Charlotte, VT · standard
ZIP Code 05445
Chittenden County, Vermont - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 3,754
- 35/sq mi Moderate-density area
- $144,375
- Median income Above-median income area
- $695,300
- Median home value Above-median home value
- 66.2%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Charlotte pairs a top-decile household income with top-decile home values, in a rural, homeowner-dominated area.
- Top 5%
- household income, US ZIPs
- Top 6%
- home value, US ZIPs
- 35
- people per sq mi
- 96%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 05445 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 05445 (Charlotte, VT) rose +8.1% from 2023 to 2024. The all-transactions index moved from 281.7 in 2023 to 304.3 in 2024 (2000 = 100).
ZIP code 05445 covers 107.0 square miles in Charlotte, Chittenden County, Vermont (a standard USPS delivery area), with a modest 3,754 residents on file, a density of 35 people per square mile, in the New York time zone.
ZIP 05445 skews affluent, with a median household income of $144,375 (74% above the average Vermont ZIP), while per-capita income is $83,330. Both reported hardship measures are comparatively low in absolute terms: poverty is 3.7% and unemployment is 1.1%. Housing is both higher-cost and owner-heavy: median home value is $695,300 (122% above the average Vermont ZIP), while 95.5% of occupied homes are owner-occupied and median rent is $1,738.
This is a highly-educated ZIP: 66.2% of adults hold a bachelor's degree or higher, the median age is 52.2, and the average commute is -. The page also surfaces 6 ZIP codes within roughly 10 miles and 6 more in Chittenden County, so 05445 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 05445
Top 5 sectors by establishment count in Charlotte, VT
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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, 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; 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 ZIP avg
$83,330
Per Capita Income
3.7%
Poverty Rate
1.1%
Unemployment Rate
How ZIP 05445 ranks among Vermont ZIPs
Charlotte, VT household income vs. every Vermont ZIP code
Median household income among 238 reporting Vermont ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$144,375 Top 2% higher than 98% of 238 Vermont ZIPs
Each bar is a $20K-wide band; taller bars hold more Vermont ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
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?
Housing stock: occupied vs vacant
2,098housing units
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 ZIP avg
$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 →
ZIP 05445 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 05403
South Burlington (05403)
17,593 residents
- 05495
Williston (05495)
9,341 residents
- 05482
Shelburne (05482)
7,198 residents
- 05461 4,542
Hinesburg (05461)
4,542 residents
- 05445 3,754
Charlotte (05445)
3,754 residents
- 05473 1,413
North Ferrisburgh (05473)
1,413 residents
- 05456 1,277
Ferrisburgh (05456)
1,277 residents
What this shows Among its immediate neighbors, ZIP 05445 ranks #5 by population - useful context the national average alone can't give.
ZIP 05445 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 05445
Charlotte (05445)
$144,375 median income
- 05482
Shelburne (05482)
$115,963 median income
- 05461
Hinesburg (05461)
$109,712 median income
- 05495
Williston (05495)
$107,054 median income
- 05456
Ferrisburgh (05456)
$106,691 median income
- 05403
South Burlington (05403)
$105,616 median income
- 05473
North Ferrisburgh (05473)
$99,919 median income
What this shows By household income, ZIP 05445 ranks the highest of 7 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 05445, both outside VT so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (3,754 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Chittenden County
Related Areas
Frequently Asked Questions
What county is ZIP code 05445 in?
ZIP code 05445 (Charlotte) is located in Chittenden County, Vermont. Chittenden County contains multiple ZIP codes, see the full list at /counties/chittenden-vt.
What is the population of ZIP code 05445?
ZIP code 05445 in Charlotte, VT has a population of 3,754 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 05445?
The median household income in ZIP 05445 is $144,375, which is 89% above the national average of $76,288.
What is the average home value in ZIP 05445?
The median home value in ZIP 05445 is $695,300, which is 150% above the national average of $278,155.
What is the demographic makeup of ZIP 05445?
The largest racial group in ZIP 05445 is White at 95.2%. Hispanic or Latino residents make up 0.4% of the population.
How many businesses are in ZIP code 05445?
ZIP code 05445 has 107 business establishments employing approximately 373 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 05445?
The top industries by establishment count in ZIP 05445 are: Professional, scientific, and technical services (20), Construction (19), Administrative and support and waste management and remediation services (11). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 05445?
According to the FHFA House Price Index, home values in ZIP 05445 increased by 8.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 204%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 05445?
In ZIP code 05445, 81.8% of residents aged 25+ have a high school diploma or higher, and 66.2% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 05445?
In ZIP code 05445, approximately 95.5% of occupied housing units are owner-occupied and 4.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 05445?
The poverty rate in ZIP code 05445 is 3.7% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 05445's numbers, next.
- See how ZIP 05445 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Charlotte, VT ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.