ZIP Code 05445
standardSource:
Charlotte · Chittenden County · Vermont
- Population
- 3,754
- Median income
- $144,375
- Median home value
- $695,300
- Bachelor's or higher
- 66.2%
- Land area
- 107.0 sq mi
35/sq mi
▲ 89% vs US
higher than 95% of US ZIPs
▲ 150% vs US
higher than 94% of US ZIPs
Median age 52.2
New York
ZIP code 05445 in Charlotte, Vermont has a population of 3,754. The median household income is $144,375, which is 89% above the national average. Median home value is $695,300, 150% above the US average. 66.2% of residents hold a bachelor's degree or higher.
ZIP code 05445 is classified by USPS as a standard delivery area and covers roughly 107.0 square miles in Charlotte, Chittenden County, Vermont. The area is home to 3,754 residents, producing a population density of 35 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 05445 against Vermont and the nation.
On the economic side, the median household income for ZIP 05445 sits at $144,375 (74% above the Vermont average), while per-capita income is $83,330. The poverty rate stands at 3.7% and the unemployment rate at 1.1%. On housing, the median home value is $695,300 (122% above the state average) with median rent at $1,738 per month, and 95.5% of occupied units are owner-occupied, a direct signal of whether 05445 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 66.2% of adults hold a bachelor's degree or higher, the median age is 52.2, and the average commute is —. We also surface 6 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Chittenden County, so you can benchmark 05445 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 05445
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 05445.
- Professional, scientific, and technical services
Professional, scientific, and technical services
20 establishments
- Construction
Construction
19 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
11 establishments
- Retail trade
Retail trade
9 establishments
- Health care and social assistance
Health care and social assistance
9 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 05445, Charlotte, VT · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
3,754
Population
107.0
Area (sq mi)
35
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 05445?
52.2
Median Age
51.1%
Male
48.9%
Female
12.5%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$144,375
Median Household Income
+74% vs state
$83,330
Per Capita Income
3.7%
Poverty Rate
1.1%
Unemployment Rate
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
2,098
Total Housing Units
1,807
Occupied Units
291
Vacant Units
2.17
Avg Household Size
Occupancy Type
$695,300
Median Home Value
+122% vs state
$1,738
Median Rent
1982
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+8.1%
YoY Change (2024)
304
HPI Index (2000 = 100)
+204%
Total Change Since 2000
Home values in ZIP 05445 have increased 8.1% over the past year (2024). Since 2000, this ZIP has seen +204% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.0% | 192 |
| 2021 | +10.0% | 211 |
| 2022 | +12.9% | 238 |
| 2023 | +18.3% | 282 |
| 2024 | +8.1% | 304 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 107 business establishments in ZIP 05445, employing approximately 373 people with a combined annual payroll of $22,534,000.
107
Businesses
373
Employees
$22.5M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Professional, scientific, and technical services | 20 | 18.7% |
| Construction | 19 | 17.8% |
| Administrative and support and waste management and remediation services | 11 | 10.3% |
| Retail trade | 9 | 8.4% |
| Health care and social assistance | 9 | 8.4% |
| Other services (except public administration) | 7 | 6.5% |
| Arts, entertainment, and recreation | 6 | 5.6% |
| Real estate and rental and leasing | 5 | 4.7% |
| Information | 4 | 3.7% |
| Agriculture, forestry, fishing and hunting | 3 | 2.8% |
| Manufacturing | 3 | 2.8% |
| Wholesale trade | 3 | 2.8% |
| Transportation and warehousing | 3 | 2.8% |
| Accommodation and food services | 3 | 2.8% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 05445 vs 05482 →
More ZIP Codes in Chittenden County
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Frequently Asked Questions
What county is ZIP code 05445 in? ▼
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What is the median household income in ZIP 05445? ▼
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What is the demographic makeup of ZIP 05445? ▼
How many businesses are in ZIP code 05445? ▼
What are the main industries in ZIP code 05445? ▼
How have home values changed in ZIP code 05445? ▼
What is the education level in ZIP code 05445? ▼
What percentage of residents own vs. rent in ZIP 05445? ▼
What is the poverty rate in ZIP code 05445? ▼
ZIP Code Research Guides
Official Data Resources for Charlotte, VT
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
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Read our methodology , how this data is sourced, computed, and verified.