Ludlow, Vermont.
Typical home $590,727 (+2.1% in a year). Lebanon, NH-VT metro.
to buy the typical home at today's mortgage rate — +$1,776 (+134%) since Jan 2020.
- 1 year
- Up $12,119 +2%
- $578,607$590,727 since Sep 2025
- 5 years
- Up $84,140 +17%
- $506,587$590,727 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.
- Ludlow$3,101
- Vermont$2,057
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 23 years.
Typical home values in Ludlow, VT rose 2.1% over the past year — faster than the nation's +1.2%.
Living in Ludlow, Windsor County, Vermont
Ludlow is a village of 773 people in Windsor County. 51% of its homes are lived in by their owners and 49% are rented. Unemployment in Windsor County was 2.4% in August 2026, and the county had 0.2% more jobs in 2025 than the year before. The most residents work in schools and health care, then restaurants and hotels.
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 It can be wrong or out of date.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. Ludlow is a small village in Windsor County, Vermont, where winters are cold and long and snow falls heavily. Summers are warm without being hot. Fewer homes are lived in by their owners than in many small towns, and typical home values run high, which fits a place built around a ski mountain.
Work. Residents work mostly in schools, hospitals and social care, in restaurants, hotels and entertainment, in the building trades, and in manufacturing. Across Windsor County, some of the largest workplaces are Springfield Hospital, Hartford School District and the Veterans Health Administration. Unemployment is low, and a fair number of people work from home.
Things to do. Okemo Mountain, a ski area in or beside town, draws people through the snowy months. A short drive away are Lake Rescue, a lake, and Okemo State Forest, a protected area with room to walk. The Hall Art Foundation, a museum, is also a short drive away.
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- 418households
- 39%of adults have a degree
- 9%below the poverty line
- 21 mintypical commute
- 17%work from home
What residents work in
Employed residents by industry, from the Census survey. Windsor County had 23,203 jobs in 2025, 0.2% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 30° and lows near 8°; warmest in July, with highs near 82° and lows near 56°. About 83 inches of snow and 47 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Cavendish weather station, 5 miles away (NOAA).
Largest workplaces in Windsor County
- Veterans Health AdministrationFederal government · Department of Veterans Affairs1,001
- Hartford School DistrictSchool district321FTE
- Mt Ascutney Hospital and Health CentCritical access hospital317FTE
- VR NE HoldingsAlpine skiing facilities without accommodations308
- Precision Valley CommunicationsEngineering services282
- Springfield HospitalCritical access hospital244FTE
- Vermont Law and Graduate SchoolUniversity or college224
- Mountain Views Unified Union School District #76School district171FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 44 workplaces with 20 or more staff, 3,232 people in all across the county; Ludlow has one of its own. Federal offices come from OPM's federal workforce data (2026), school districts from the Common Core of Data (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) and colleges from IPEDS (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
- Inland floodingRelatively high
- Winter weatherRelatively high
- Ice stormsRelatively moderate
- LightningRelatively moderate
- Strong windRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Ludlow’s census tracts, against the rest of the country; all of them together, relatively moderate. 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 Windsor County and the Lebanon, NH-VT metro.
Ludlow home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Ludlow$590,727
- Vermont$391,900
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 11 Ludlow listings — the market is heating up.
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.
- Ludlow9.12%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Ludlow77
New listings per month
Sellers arriving at the market.
- Ludlow20
Zip codes with a Ludlow address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Ludlow — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.