Zip code 05445: Charlotte, Vermont

Q: What city is zip code 05445?

05445 is assigned to Charlotte, Vermont. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 05445 in?

05445 is in Chittenden County, Vermont.

Q: What is the population of 05445?

About 3,916 people live in 05445, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 05445?

The median household income in 05445 is $144,375.

Q: What zip codes are near 05445?

The closest zip codes to 05445 are 05473, 05482, 05456, 05469, 05461.

Residential delivery areaChittenden CountyEastern Time

Population

3,916

Median household income

$144K

U.S. $81K

Median home value

$695K

U.S. $333K

Median rent

$1,738/mo

U.S. $1,413

Median age

52.2

U.S. 38.9

Land area

41 sq mi

95 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 05445

05445 is a small-town zip code in Charlotte, Vermont (Chittenden County), covering 41 sq mi of land. About 3,916 people live here, or 95 per square mile. The median resident is 52.2 years old, compared with 38.9 nationally.

The median household earns $144,375 a year, 79% above the national median of $80,734. 3.7% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $695,300, or 4.8 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 96% of occupied homes are lived in by their owners, and renters pay a median of $1,738 a month.

66% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 25.1 minutes each way, and 30% of workers work from home. The most common jobs among working residents are in management; business and finance; and office and administrative support. 32% of them are self-employed (U.S.: 10%).

How 05445 compares

Sorted from highest to lowest national percentile

Homeownership rate95.5%
99th
StrengthU.S. 65.2% · VT 73.2%16th of 247 in VT
Self-employed workers32.3%
99th
U.S. 10% · VT 13.5%11th of 249 in VT
Median age52.2
97th
U.S. 38.9 · VT 43.154th of 249 in VT
Per capita income$83,330
96th
StrengthU.S. $44,673 · VT $46,5003rd of 249 in VT
Work from home29.8%
94th
U.S. 15.1% · VT 16.9%21st of 249 in VT
Median earnings per worker$82,768
94th
StrengthU.S. $49,666 · VT $49,8435th of 248 in VT
Median household income$144,375
93rd
StrengthU.S. $80,734 · VT $81,2034th of 237 in VT
Bachelor's degree or higher66.2%
93rd
StrengthU.S. 35.7% · VT 43.8%18th of 248 in VT
Median home value$695,300
87th
U.S. $332,700 · VT $316,6002nd of 243 in VT
Housing vacancy13.9%
84th
U.S. 10.1% · VT 19.4%162nd of 247 in VT
Residents 65 and older22.3%
84th
U.S. 17.2% · VT 21.4%138th of 249 in VT
Median gross rent$1,738
70th
U.S. $1,413 · VT $1,2348th of 190 in VT
Rent-burdened renters56.1%
70th
U.S. 51.1% · VT 48.4%62nd of 234 in VT
Broadband access93.5%
62nd
U.S. 91% · VT 89.7%68th of 247 in VT
Tech workers3.5%
61st
U.S. 3.8% · VT 3.1%68th of 249 in VT
Foreign-born residents12.5%
58th
U.S. 14.1% · VT 4.3%6th of 249 in VT
Average commute25.1 min
44th
U.S. 26.4 min · VT 23.5 min139th of 240 in VT
Government workers11.5%
31st
U.S. 14.5% · VT 15%165th of 249 in VT
Income inequality (Gini)0.413
31st
U.S. 0.483 · VT 0.453137th of 246 in VT
Residents under 1819.6%
28th
U.S. 22% · VT 17.9%97th of 249 in VT
Veterans3%
15th
U.S. 6.2% · VT 6.2%215th of 249 in VT
Healthcare workers6.9%
14th
U.S. 9.7% · VT 9.9%163rd of 249 in VT
Population density95/sq mi
13th
U.S. 95/sq mi · VT 70/sq mi60th of 249 in VT
Uninsured rate3.1%
13th
StrengthU.S. 8.4% · VT 3.9%137th of 249 in VT
Population3,916
6th
U.S. 334,922,499 · VT 647,10642nd of 249 in VT
Poverty rate3.7%
5th
StrengthU.S. 12.5% · VT 10.1%208th of 247 in VT
Diversity index9.9
4th
U.S. 61.4 · VT 18.8169th of 249 in VT
Unemployment rate1.1%
2nd
StrengthU.S. 5.2% · VT 3.6%174th of 249 in VT

Measure	05445	Chittenden	VT	U.S.	National percentile	Rank in VT
Homeownership rateStrength	95.5%	63.9%	73.2%	65.2%	99th	16th of 247
Self-employed workers	32.3%	11.1%	13.5%	10%	99th	11th of 249
Median age	52.2	37.3	43.1	38.9	97th	54th of 249
Per capita incomeStrength	$83,330	$52,322	$46,500	$44,673	96th	3rd of 249
Work from home	29.8%	19.8%	16.9%	15.1%	94th	21st of 249
Median earnings per workerStrength	$82,768	$53,954	$49,843	$49,666	94th	5th of 248
Median household incomeStrength	$144,375	$96,759	$81,203	$80,734	93rd	4th of 237
Bachelor's degree or higherStrength	66.2%	56.8%	43.8%	35.7%	93rd	18th of 248
Median home value	$695,300	$439,200	$316,600	$332,700	87th	2nd of 243
Housing vacancy	13.9%	4.6%	19.4%	10.1%	84th	162nd of 247
Residents 65 and older	22.3%	16.9%	21.4%	17.2%	84th	138th of 249
Median gross rent	$1,738	$1,646	$1,234	$1,413	70th	8th of 190
Rent-burdened renters	56.1%	50.4%	48.4%	51.1%	70th	62nd of 234
Broadband access	93.5%	93.4%	89.7%	91%	62nd	68th of 247
Tech workers	3.5%	4.6%	3.1%	3.8%	61st	68th of 249
Foreign-born residents	12.5%	7.9%	4.3%	14.1%	58th	6th of 249
Average commute	25.1 min	21.1 min	23.5 min	26.4 min	44th	139th of 240
Government workers	11.5%	14.3%	15%	14.5%	31st	165th of 249
Income inequality (Gini)	0.413	0.441	0.453	0.483	31st	137th of 246
Residents under 18	19.6%	17.2%	17.9%	22%	28th	97th of 249
Veterans	3%	4.5%	6.2%	6.2%	15th	215th of 249
Healthcare workers	6.9%	10.7%	9.9%	9.7%	14th	163rd of 249
Population density	95/sq mi	316/sq mi	70/sq mi	95/sq mi	13th	60th of 249
Uninsured rateStrength	3.1%	3.5%	3.9%	8.4%	13th	137th of 249
Population	3,916	169,758	647,106	334,922,499	6th	42nd of 249
Poverty rateStrength	3.7%	9.7%	10.1%	12.5%	5th	208th of 247
Diversity index	9.9	26.4	18.8	61.4	4th	169th of 249
Unemployment rateStrength	1.1%	3.2%	3.6%	5.2%	2nd	174th of 249

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

14%

5–17

18–24

25–34

11%

35–44

13%

45–54

23%

55–64

13%

65–74

75+

Median age

52.2

Under 18

19.6%

65 and over

22.3%

Race and ethnicity

White95%
Black0.3%
Hispanic0.4%
Asian0.4%
Native American0%
Pacific Islander0%
Other0.2%
Multiracial4%

Diversity index

9.9

U.S. 61.4

Foreign-born

12.5%

U.S. 14.1%

Born in state

36.1%

Language spoken at home (households)

English only

88%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 1,807
Average household size: 2.2
Family households: 65.7%
Married couples: 57.5%
Living alone: 32.4%
Veterans (of adults): 3%
Male / female: 51% / 49%

Income and poverty

Household income distribution

<$25k

$25–50k

10%

$50–75k

$75–100k

$100–150k

26%

$150–200k

24%

$200k+

26%

Median household income

05445

$144,375

Chittenden Co.

$96,759

Vermont

$81,203

United States

$80,734

Per capita income

$83,330

U.S. $44,673

Poverty rate

3.7%

U.S. 12.5%

Households earning $150K+

49.5%

U.S. 23%

Income inequality (Gini)

0.413

U.S. 0.483

Housing

Median home value

05445

$695,300

Chittenden Co.

$439,200

Vermont

$316,600

United States

$332,700

Median gross rent

05445

$1,738

Chittenden Co.

$1,646

Vermont

$1,234

United States

$1,413

Types of housing

Single-family

95%

2–4 units

5–19 units

20+ units

Mobile home

Boat, RV, van

Housing units: 2,098
Owner-occupied: 95.5%
Vacant: 13.9%
Median year built: 1982
Median rooms: 7.2
Renters paying 30%+ of income: 56.1%
Renters paying 50%+ of income: 25.6%
Home value to income: 4.8× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

57%

Carpooled

Transit

Walked

Bicycle

Worked from home

30%

Other

0.5%

Commute time (one way)

<10 min

13%

10–19

18%

20–29

39%

30–44

23%

45–59

0.7%

60+

Average commute

25.1 min

U.S. 26.4 min

Unemployment

1.1%

U.S. 5.2%

In labor force

67.9%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

23%

Business and finance

13%

Office and admin

Sales

Healthcare

Construction and repair

Education

Legal and social services

Engineering and science

Transportation and moving

Computer and math

Cleaning and personal care

Production

Arts, media and sports

Farming, fishing and forestry

Food service

0.9%

Police and fire

Industries

Professional and technical services

16%

Health care and social assistance

13%

Construction

13%

Manufacturing

11%

Retail

Education

Finance, insurance and real estate

Public administration

Other services

Transportation, warehousing and utilities

Restaurants and hotels

Admin, support and management

Agriculture and mining

Wholesale

Information

Arts and recreation

0.3%

Median earnings per worker

$82,768

U.S. $49,666

Self-employed

32.3%

U.S. 10%

Government workers

11.5%

U.S. 14.5%

Nonprofit workers

10.6%

U.S. 8.8%

Median earnings by type of work

Type of work	05445	U.S.
Management, business, science and arts	$116,214	$74,888
Service	$15,750	$26,804
Sales and office	$50,500	$40,476
Construction and maintenance	$49,688	$49,199
Production and transportation	$7,213	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

16%

Some college

10%

Associate's

Bachelor's

29%

Graduate

37%

High school graduate or higher: 98.1%
Bachelor's degree or higher: 66.2%
Graduate or professional degree: 36.9%
Households with broadband: 93.5%
Cable, fiber or DSL: 88.5%
No internet access: 6.2%
Without health insurance: 3.1%
Limited-English households: 0%

Geography

City (USPS): Charlotte
State: Vermont
County: Chittenden County
Center point: 44.3057° N, 73.2356° W
Land area: 41 sq mi
Water area: 9.1 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

West Charlotte (unincorporated)2% of zip
East Charlotte (unincorporated)1% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 05445

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
05473	North Ferrisburgh, VT	4.9 mi	1,423	$99,919	$435,100
05482	Shelburne, VT	6 mi	7,969	$115,963	$588,100
05456	Ferrisburgh, VT	6.5 mi	998	$106,691	$400,000
05469	Monkton, VT · PO box	6.7 mi	—	—	—
05461	Hinesburg, VT	7.1 mi	4,898	$109,712	$460,200
12936	Essex, NY	8.3 mi	691	$77,321	$290,800
05403	South Burlington, VT	10 mi	20,614	$105,616	$442,400
12996	Willsboro, NY	11 mi	1,903	$69,766	$237,900
05495	Williston, VT	11 mi	10,956	$107,054	$470,300
05401	Burlington, VT	12 mi	31,662	$65,657	$492,100
05405	Burlington, VT	12 mi	3,136	—	—
05402	Burlington, VT · PO box	12 mi	—	—	—

Zip codes like 05445 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 05445

What city is zip code 05445?

05445 is assigned to Charlotte, Vermont. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 05445 in?

05445 is in Chittenden County, Vermont.

What is the population of 05445?

About 3,916 people live in 05445, according to the Census Bureau's American Community Survey.

What time zone is 05445 in?

05445 is in Eastern Time.

What is the median household income in 05445?

The median household income in 05445 is $144,375.

What zip codes are near 05445?

The closest zip codes to 05445 are 05473, 05482, 05456, 05469, 05461.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 05445, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.