PlainZIP

Colchester, VT · standard

ZIP Code 05446

Chittenden County, Vermont - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

15,373
162/sq mi
$97,475
Median income
$393,200
Median home value
40.9%
Bachelor's or higher

The verdict

Colchester pairs an upper-quartile household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 21%
household income, US ZIPs
Top 21%
home value, US ZIPs
162
people per sq mi
74%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 05446 against every reporting US ZIP.

ZIP code 05446 is a mid-sized community (a standard USPS delivery area) in Colchester, Chittenden County, Vermont, home to 15,373 residents across 95.0 square miles, a density of 162 people per square mile, in the New York time zone.

ZIP 05446 lands in the middle-income range, with a median household income of $97,475 (18% above the Vermont average), while per-capita income is $49,847. 7.0% of residents live below the poverty line, and the unemployment rate reads 3.9%. The typical home here is valued at $393,200 (26% above the state average); renters pay a median of $1,474 monthly, and 74.2% of units are owner-occupied.

A solid share of residents have a four-year degree: 40.9% of adults hold a bachelor's degree or higher, the median age is 41.3, and the average commute is 20 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 05446, plus 6 more within Chittenden County, give a clearer read than the national average alone.

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 05446

Top 5 sectors by establishment count in Colchester, VT

Which industries have the most business establishments in ZIP 05446.

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 05446, Colchester, 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

15,373

Population

95.0

Area (sq mi)

162

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 05446?

41.3

Median Age

49.7%

Male

50.3%

Female

7.3%

Foreign-Born

White 88.1%
African American 2.1%
Asian 2.2%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 7.1%
Hispanic or Latino 3.1%

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?

$97,475

Median Household Income

+18% vs state

$49,847

Per Capita Income

7.0%

Poverty Rate

3.9%

Unemployment Rate

20.4 min

Mean Commute Time

How ZIP 05446 ranks nationally

Colchester, VT household income vs. every US ZIP code

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

$97,475 Top 21% higher than 79% 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%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $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 68.4%
Bachelor's Degree or Higher 40.9%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

7,876

Total Housing Units

7,115

Occupied Units

761

Vacant Units

2.28

Avg Household Size

Occupancy Type

Owner 74.2%
Renter 25.8%

$393,200

Median Home Value

+26% vs state

$1,474

Median Rent

1981

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)

306

HPI Index (2000 = 100)

+206%

Total Change Since 2000

Home values in ZIP 05446 have increased 8.1% over the past year (2024). Since 2000, this ZIP has seen +206% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.3% 198
2021 +11.3% 221
2022 +14.4% 253
2023 +12.1% 283
2024 +8.1% 306

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 505 business establishments in ZIP 05446, employing approximately 8,275 people with a combined annual payroll of $557,166,000.

505

Businesses

8,275

Employees

$557.2M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Construction 80 15.8%
Health care and social assistance 61 12.1%
Professional, scientific, and technical services 55 10.9%
Retail trade 48 9.5%
Finance and insurance 35 6.9%
Accommodation and food services 34 6.7%
Other services (except public administration) 34 6.7%
Administrative and support and waste management and remediation services 30 5.9%
Real estate and rental and leasing 28 5.5%
Wholesale trade 27 5.3%
Manufacturing 23 4.5%
Information 14 2.8%
Arts, entertainment, and recreation 12 2.4%
Transportation and warehousing 9 1.8%
Educational services 8 1.6%
Management of companies and enterprises 3 0.6%

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 05446 vs 05404 →

ZIP 05446 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 05446 ranks #4 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 05446 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 05446 ranks #6 of 9 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
05404 Winooski, VT 7,240 3.7 mi
05439 Colchester, VT 1,734 3.8 mi
05405 Burlington, VT 4,406 5.2 mi
05401 Burlington, VT 28,185 5.1 mi
05408 Burlington, VT 10,114 4.0 mi
05403 South Burlington, VT 17,593 7.0 mi
05468 Milton, VT 12,942 7.6 mi
05452 Essex Junction, VT 19,710 6.3 mi
05495 Williston, VT 9,341 9.4 mi
05486 South Hero, VT 1,654 8.9 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
05468 standard
Milton, VT
Pop: 12,942
05408 standard
Burlington, VT
Pop: 10,114
05495 standard
Williston, VT
Pop: 9,341

Related Areas

Chittenden County Colchester, VT Vermont

Frequently Asked Questions

What county is ZIP code 05446 in? ▼
ZIP code 05446 (Colchester) 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 05446? ▼
ZIP code 05446 in Colchester, VT has a population of 15,373 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 05446? ▼
The median household income in ZIP 05446 is $97,475, which is 28% above the national average of $76,288.
What is the average home value in ZIP 05446? ▼
The median home value in ZIP 05446 is $393,200, which is 41% above the national average of $278,155.
What is the demographic makeup of ZIP 05446? ▼
The largest racial group in ZIP 05446 is White at 88.1%. Hispanic or Latino residents make up 3.1% of the population.
How many businesses are in ZIP code 05446? ▼
ZIP code 05446 has 505 business establishments employing approximately 8,275 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 05446? ▼
The top industries by establishment count in ZIP 05446 are: Construction (80), Health care and social assistance (61), Professional, scientific, and technical services (55). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 05446? ▼
According to the FHFA House Price Index, home values in ZIP 05446 increased by 8.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 206%. 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 05446? ▼
In ZIP code 05446, 68.4% of residents aged 25+ have a high school diploma or higher, and 40.9% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 05446? ▼
The mean commute time for workers in ZIP code 05446 is 20.4 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 05446? ▼
In ZIP code 05446, approximately 74.2% of occupied housing units are owner-occupied and 25.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 05446? ▼
The poverty rate in ZIP code 05446 is 7.0% 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.