Derby, Vermont.
Typical home $307,073 (+4.2% in a year).
to buy the typical home at today's mortgage rate — +$857 (+113%) since Jan 2020.
- 1 year
- Up $12,350 +4%
- $294,722$307,073 since Sep 2025
- 5 years
- Up $56,840 +23%
- $250,233$307,073 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Derby$1,612
- Vermont$2,057
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 17 years.
Typical home values in Derby, VT rose 4.2% over the past year — faster than the nation's +1.2%.
Living in Derby, Orleans County, Vermont
Derby is a town of 4,579 people in Orleans County. Half its households earn more than $80,250 a year and half less, against $70,103 across Orleans County; 7% of its people live below the poverty line. 85% of its homes are lived in by their owners and 15% are rented. Unemployment in Orleans County was 3.2% in August 2026, and the county had 2.0% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Derby is a town in Orleans County, Vermont, close to the Canadian border. People here are older than in most places, and nearly everyone owns the home they live in. Incomes run above the county's, and fewer people live below the poverty line than you might expect for a rural area. Winters are long and cold, with January the coldest month, and a great deal of snow falls over the year. Summers are mild, warmest in July, and rain and melted snow add up to a fair amount across the seasons.
Work. Many residents work in schools, hospitals and social care, in shops, in government, or in manufacturing. Some of the largest workplaces in Derby are the Derby School District, Tivoly, which makes tools and accessories for machine tools, and Michaud Memorial Manor, a retirement home with nursing care. Commutes are on the long side, which fits a rural setting, and some people work from home. Unemployment is low, though the county has fewer jobs than it did a year ago.
Things to do. The Haskell Free Library and Opera House, a theatre, is a short drive away. Lake Seymour, a lake, is also a short drive away, and the Johns River runs in or beside town. For a longer outing, Lake Memphremagog and Lake Willoughby are both lakes a longer drive off.
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- 2,224households
- 37%of adults have a degree
- 7%below the poverty line
- 32 mintypical commute
- 11%work from home
What residents work in
Employed residents by industry, from the Census survey. Orleans County had 10,320 jobs in 2025, 2.0% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 23° and lows near 4°; warmest in July, with highs near 78° and lows near 57°. About 99 inches of snow and 44 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Newport weather station, 3 miles away (NOAA).
Largest workplaces in Derby
- Derby School DistrictSchool district109FTE
- TivolyTools and accessories for machine tools manufacturing97
- North Country Union Junior High School DistrictSchool district63FTE
- Michaud Memorial ManorRetirement homes with nursing care34
- Tractor Supply Company StoreGeneral merchandise stores22
- Champlain Valley EquipmentPower equipment stores, outdoor21
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 4 workplaces with 20 or more staff, 174 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Orleans County, against the rest of the country; all of them together, very low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Orleans County.
Derby home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Derby$307,073
- Vermont$391,900
- United States$366,157
Sellers are cutting prices on about 1 in 6 Derby listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Derby17.13%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Derby30
New listings per month
Sellers arriving at the market.
- Derby9
Zip codes with a Derby address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Derby — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Derby
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 05855 | Newport | 7,412 | — | $272,455 |
| 05829 | Derby | 1,688 | — | $281,587 |