Residential delivery area · Vermont
ZIP Code 05445: Charlotte, VT
ZIP code 05445 uses the postal name Charlotte, Vermont and lies entirely in Chittenden County (Census 2020 ZIP-county file). About 3,900 people live there (Census Bureau, ACS 2020-2024). Median household income is $144,375 (Census Bureau, ACS 2020-2024). By Census place, its land lies in West Charlotte (2%) and East Charlotte (1%); 97% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Charlotte · its only residential ZIP
- County
- Chittenden County
- Census places
- West Charlotte (2%) census-designated place; East Charlotte (1%) census-designated place
- Metro area
- Burlington-South Burlington, VT
- House district
- VT at large 119th Congress
- State
- Vermont
- Time zone
- Eastern
- Land area
- 41.3 sq mi · 95 people per sq mi
Where is ZIP code 05445?
05445 centers on 44.306°, -73.236° and covers 41.3 square miles of land plus 9.1 of water. It borders 4 ZIP codes: 05473, 05482, 05461, 05491.
The map draws ZIP code areas only. For the streets inside 05445, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 05445 compare with the rest of Chittenden County?
| Measure | 05445 | In Chittenden County | In VT |
|---|---|---|---|
| People (ACS 2020-2024) | 3,916 | 14th of 20 | 42nd of 265 |
| Median household income | $144k | 1st of 17 | 3rd of 100 |
| Median home value | $695k | 1st of 18 | 1st of 125 |
Its median household income is higher than in 95% of U.S. residential ZIP codes, and it is denser than 53% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 05445?
The 2020 Census counted 3,912 people in 05445; the ACS, which samples households over 2020-2024, estimates 3,916. Between the 2010 and 2020 censuses its population grew 4.2% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 3,916
- 2020 Census count
- 3,912+4.2% since 2010 (3,754)
- Households
- 1,807
- Median age
- 52.2
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 05445?
Of the 3,916 people the ACS estimates in 05445, 19.6% are under 18 and 22.3% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (94.8%).
- Under 1819.6%
- 18 to 6458.1%
- 65 and older22.3%
- White, not Hispanic94.8%
- Other or two or more4.1%
- Hispanic or Latino0.4%
- Asian, not Hispanic0.4%
- Black, not Hispanic0.3%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 05445 earn?
Median household income is $144,375 (ACS 2020-2024), the highest of the 17 ranked ZIP codes in Chittenden County. It is not measurably different from 2015-2019 ($133,265 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $144,375±$27,387
- Income per person
- $83,330
- Below the poverty line
- 3.7%
- Unemployed (of the labor force)
- 1.1%
- Adults 25+ with a bachelor's degree
- 66.2%
- Adjusted gross income per tax return, 2022
- $209,5121,990 returns; wages 47% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 05445?
FHFA's house price index for 05445, built from repeat sales and appraisals of the same homes, rose 96% from 2015 to 2025 and rose 68% from 2020 to 2025, and moved +6.5% in 2025.
- Median home value (owners' estimate)
- $695,300
- Median gross rent
- $1,738
- Homes owned by their occupants
- 95.5%
- Housing units
- 2,098
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 05445?
107 business establishments had a location in this ZIP code in 2023, 2 fewer than in 2018; the most are in professional, scientific, and technical services (ZIP Code Business Patterns).
- Professional, scientific, and technical services20
- Construction19
- Administrative and support and waste management and remediation services11
- Retail trade9
- Health care and social assistance9
- Other services (except public administration)7
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 05445?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 05473 | North Ferrisburgh | 1,423 | $100k | 4.9 mi |
| 05482 | Shelburne | 7,969 | $116k | 6.0 mi |
| 05461 | Hinesburg | 4,898 | $110k | 7.1 mi |
| 05491 | Vergennes | 5,767 | $88k | 13.6 mi |
| 05456 | Ferrisburgh | 998 | $107k | 6.5 mi (near) |
| 12936 | Essex, NY | 691 | $77k | 8.3 mi (near) |
| 05403 | South Burlington | 20,614 | $106k | 10.1 mi (near) |
| 05495 | Williston | 10,956 | $107k | 11.0 mi (near) |
| 12996 | Willsboro, NY | 1,903 | $70k | 11.0 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.