PlainZIP

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
$144,375
Median income
$695,300
Median home value
66.2%
Bachelor's or higher

The verdict

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.

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 Vermont average), while per-capita income is $83,330. 3.7% of residents live below the poverty line, and the unemployment rate reads 1.1%. Housing costs here run $695,300 for a typical home value (122% above the state average), with rent averaging $1,738 a month; 95.5% of homes are owner-occupied.

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 -. To put 05445 in local context, 6 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Chittenden County, for a geography-aware comparison.

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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 05445?

52.2

Median Age

51.1%

Male

48.9%

Female

12.5%

Foreign-Born

White 95.2%
African American 0.3%
Asian 0.4%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.9%
Hispanic or Latino 0.4%

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

How ZIP 05445 ranks nationally

Charlotte, VT household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$144,375 Top 5% higher than 95% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). This entry sits in this band. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 81.8%
Bachelor's Degree or Higher 66.2%

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

Owner 95.5%
Renter 4.5%

$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 →

ZIP 05445 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 05445 ranks #5 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 05445 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
05482 Shelburne, VT 7,198 5.3 mi
05473 North Ferrisburgh, VT 1,413 4.8 mi
05456 Ferrisburgh, VT 1,277 7.2 mi
05461 Hinesburg, VT 4,542 6.5 mi
05403 South Burlington, VT 17,593 9.8 mi
05495 Williston, VT 9,341 10.5 mi

More ZIP Codes in Chittenden County

05401 standard
Burlington, VT
Pop: 28,185
05452 standard
Essex Junction, VT
Pop: 19,710
05403 standard
South Burlington, VT
Pop: 17,593
05446 standard
Colchester, VT
Pop: 15,373
05468 standard
Milton, VT
Pop: 12,942
05408 standard
Burlington, VT
Pop: 10,114

Related Areas

Chittenden County Charlotte, VT Vermont

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.

Read our methodology to see how this data is sourced, computed, and verified.