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Homestead Exemption Laws in Vermont

Vermont protects a homestead up to $125,000 in value, with no acreage limit stated in the statute.

Last checked . General information, not legal advice.

Vermont at a glance

Exemption amount
$125,000
Unlimited in value
No
Acreage limit
No acreage limit
Covers the dwelling house, outbuildings and the land used with them.

Sources

Last checked

The rules in Vermont

How much home equity does the homestead exemption protect in Vermont?

Exemption amount in Vermont: $125,000.

Is the homestead exemption unlimited in value in Vermont?

No. Unlimited in value in Vermont: no.

Is there an acreage limit on the homestead exemption in Vermont?

Acreage limit in Vermont: No acreage limit. Covers the dwelling house, outbuildings and the land used with them.

Where do the Vermont homestead exemption laws come from?

The rules above come from Vt. Stat. Ann. tit. 27, 101. Each source is linked on this page. We last checked them in October 2026.

Good to know

The section was last amended by 2023 Vt. Acts No. 6, effective July 1, 2023, and still states $125,000.

What this means in practice

The exemption applies to equity, not to the full value of the home. Equity is the market value minus the mortgages and other liens on the property. A lender that holds a mortgage on the home, and certain other claims such as taxes on the property, can usually still be enforced against it regardless of the exemption.

Check whether you need to take a step to claim the protection. Some states protect a home automatically once it is your residence, while others require you to record a homestead declaration with the county or to claim the exemption in court when a creditor tries to collect.

In bankruptcy, federal law can limit a state homestead exemption for a home bought within a set period before the filing, and residency rules decide which state's exemptions apply if you moved recently. Some states also let filers choose the federal bankruptcy exemptions instead of the state list. A bankruptcy attorney can confirm which rules apply to your situation.

General information, not legal advice. Laws change, and cities can add their own rules, so check the current statute before you rely on it.