Montpelier, VT vs Georgetown, DE: Cost of Living

Which city costs less?

Georgetown, DE has a modeled overall cost index 0.8% higher than Montpelier, VT.

Montpelier, VT · modeled 2BR rent
$1,570 / month
Georgetown, DE · modeled 2BR rent
$1,390 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Montpelier, VT and Georgetown, DE using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

$
Numbers update automatically as you type

Estimated extra cost: $113/month in Georgetown, DE

$150,000 in your current city has a modeled equivalent of $151,362 in Georgetown, DE

Regional cost estimates: Montpelier, VT uses Boston, MA. Georgetown, DE uses Baltimore, MD. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 0.8%
More expensive
Monthly Impact
$113
Extra cost
Annual Impact
$1.4K
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Montpelier, VT

Population:8K
Cost Index:
90.5
100 = national average
Typical Home:$406K

Georgetown, DE

Population:8K
Cost Index:
91.2
100 = national average
Typical Home:$361K

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Montpelier, VT

The Green Mountain State

8K
Population
State Tax
Yes

Located in Vermont, this city has a population of 8K residents.

Georgetown, DE

The First State

8K
Population
State Tax
Yes

Located in Delaware, this city has a population of 8K residents.

Cost Breakdown by Category

Estimated monthly spending: Montpelier, VT vs Georgetown, DE

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Housing
↓ 16.3%
Montpelier, VT
$3,054
Georgetown, DE
$2,557
Difference
$497
less
Other
↑ 32.5%
Montpelier, VT
$1,174
Georgetown, DE
$1,556
Difference
$382
more
Groceries
↑ 20.1%
Montpelier, VT
$891
Georgetown, DE
$1,070
Difference
$179
more
Transportation
↑ 6.8%
Montpelier, VT
$1,177
Georgetown, DE
$1,257
Difference
$79.62
more
Healthcare
↓ 5.8%
Montpelier, VT
$614
Georgetown, DE
$578
Difference
$35.47
less
All Utilities
↑ 0.8%
Montpelier, VT
$591
Georgetown, DE
$596
Difference
$4.99
more

🏠Rent Comparison

Studio
From$1,190
To$1,050
↓ $140
1 Bed
From$1,200
To$1,060
↓ $140
2 Bed
From$1,570
To$1,390
↓ $180
3 Bed
From$1,930
To$1,750
↓ $180
Montpelier, VTZIP-level data

1BR range: $1,200–$1,200/mo

Georgetown, DEZIP-level data

1BR range: $1,060–$1,060/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Montpelier, VT
$7,613
Monthly in Georgetown, DE
$113
Difference

Home Values

Montpelier
Georgetown
$406K
Median Value
$361K
↑ +0.8%
YoY Change
0%
↑ +29.2%
5-Year Change
↑ +27.6%

Homes in Georgetown are 11% less expensive than Montpelier

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $194
Per year
Monthly Difference
$16.14
More take-home
Effective Rate Diff
0.1%
Rate difference

Montpelier, VT

Federal Income Tax
Effective: 18.9%
$25.5K
Vermont State Tax
Effective: 6.1%
$9.1K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.7%
$46.1K
Take-Home Pay
$8,659/month
$103.9K

Georgetown, DE

Federal Income Tax
Effective: 18.9%
$25.5K
Delaware State Tax
Effective: 5.9%
$8.9K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.6%
$45.9K
Take-Home Pay
$8,675/month
$104.1K

Additional Tax Information

Montpelier, VT Tax Rates

Sales Tax:7.1%
Property Tax:1.9%

Georgetown, DE Tax Rates

Sales Tax:0.0%
Property Tax:0.6%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Montpelier
Georgetown
36 Good
Air Quality
45 Good
79.5%
Good Air Days
65.6%
94 Moderate
Climate Risk
95 High
🌊🌅🌀
Top Hazards
🌊🌡🌪
▲+2.5°F
2050 Outlook
▲+3.0°F
6 days
Heat Days >95°F
30 days
▲+2.5°F
2050 Outlook
▲+3.0°F
6 days
Heat Days >95°F
30 days

Before moving from Montpelier, VT to Georgetown, DE

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in Georgetown, DE for the same bedroom count and included utilities as your home in Montpelier, VT. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Montpelier to Georgetown moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Georgetown, DE by cost, housing, population and region.

Frequently Asked Questions: Montpelier, VT vs Georgetown, DE

How do the cost estimates for Montpelier, VT and Georgetown, DE compare?

Georgetown, DE has a modeled overall cost index 0.8% higher than Montpelier, VT. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Montpelier, VT, the model estimates $151,362 in Georgetown, DE. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Montpelier, VT and Georgetown, DE?

The modeled two-bedroom rents are $1,570/month in Montpelier, VT and $1,390/month in Georgetown, DE. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Vermont and Delaware on TaxTakeHome.com

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