05445 ZIP Code — Charlotte, VT

Chittenden County, Vermont

ZIP code 05445 is located in Charlotte, Vermont, within Chittenden County. It covers approximately 41.25 square miles and serves a population of 3,910 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 802.

About ZIP code 05445

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $628,800. Owner-occupancy is high at 93%, well above the national average.

Median household income is $124,611. The poverty rate of 4% is below the national average.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 24 minutes is near the national average. Remote work is prevalent — 24% of workers work from home.

Educational attainment is high — 57% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 05445 reflects a community defined by a highly educated population, high homeownership, and a high rate of remote workers.

3,910

population

41.25

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

05445 ZIP code map

Cities in ZIP code 05445

Below are the cities the US Postal Service accepts for ZIP code 05445. Using any city not on this list may result in mail delivery delays.

City	Status
Charlotte	Acceptable
Charlotte	Preferred

Nearby ZIP codes

05473 North Ferrisburgh (4.9 mi) 05482 Shelburne (5.8 mi) 05456 Ferrisburgh (7 mi) 05461 Hinesburg (7.2 mi) 12996 Willsboro (8.6 mi) 12936 Essex (8.7 mi) 05495 Williston (10.8 mi) 05405 Burlington (11.7 mi) 05401 Burlington (12 mi) 05472 New Haven (12.2 mi) 05487 Starksboro (12.6 mi) 12993 Westport (13.1 mi)

Demographics updated 05/2026

Population
Total population	3,910
Population density	95 / sq mi
State FIPS	50
County FIPS	007

Geography
Land area	41.25 sq mi
Water area	9.11 sq mi
Latitude	44.3111
Longitude	-73.2362
Timezone	Eastern (ET)
Area code	802

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	19.0%	32.9%	39.3%
$50k – $100k	25.7%	30.1%	32.2%
$100k – $200k	33.6%	27.3%	22.5%
Over $200k	21.7%	9.6%	6.0%

Demographics & statistics

3,910

Population

People per sq mi

50.1

Median age

$124,611

Median household income

$63,122

Per capita income

$628,800

Median home value

$1,515

Median monthly rent

92.5%

Home ownership

4.0%

Poverty rate

1.5%

Unemployment

1,955

Housing units

56.7%

Bachelor's or higher

Age distribution

Male Female

104

Under 5

117

5–9

116

10–14

132

150

15–19

170

20–24

115

25–34

130

173

35–44

196

276

45–54

313

190

55–59

215

190

60–64

214

268

65–74

303

108

75–84

123

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	798	20.4%
18 and over	3,112	79.6%
65 and over	875	22.4%
Median age	50.1 years

Race & ethnicity

White 95.6%

Two or more races 2.9%

Hispanic or Latino 0.4%

Other race 0.4%

Asian 0.3%

Black or African American 0.3%

Group	Count	%
White	3,755	95.6%
Two or more races	114	2.9%
Hispanic or Latino	16	0.4%
Other race	16	0.4%
Asian	13	0.3%
Black or African American	12	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	19.0%	32.9%	39.3%
$50k – $100k	25.7%	30.1%	32.2%
$100k – $200k	33.6%	27.3%	22.5%
Over $200k	21.7%	9.6%	6.0%

Under $10k 4.4%

$15k–$25k 2.0%

$25k–$35k 6.4%

$35k–$50k 3.3%

$50k–$75k 12.7%

$75k–$100k 7.6%

$100k–$150k 28.2%

$150k–$200k 14.8%

$200k+ 20.5%

Range	% of households
Under $10k	4.4%
$15k–$25k	2.0%
$25k–$35k	6.4%
$35k–$50k	3.3%
$50k–$75k	12.7%
$75k–$100k	7.6%
$100k–$150k	28.2%
$150k–$200k	14.8%
$200k+	20.5%
Median income	$124,611

Housing

Home values

$200k–$300k 5.6%

$300k–$500k 23.7%

$500k–$1M 56.5%

$1M+ 14.2%

Housing overview

Metric	Value
Median home value	$628,800
Median rent / month	$1,515
Owner occupied	92.5%
Renter occupied	7.5%
Vacant	18.0%
Single-family detached	91.2%
Large apartment buildings	0.0%
Mobile homes	1.8%
Median rooms	7.2
Avg household size (owned)	2.30

Year built

Era	%
2020 or later	0.0%
2010–2019	7.2%
2000–2009	11.8%
1990–1999	16.6%
1980–1989	16.1%
1970–1979	9.6%
1960–1969	6.9%
1950–1959	2.8%
1940–1949	2.0%
1939 or earlier	26.9%

Bedrooms

Size	% of units
No bedroom (studio)	0.6%
1 bedroom	5.2%
2 bedrooms	9.6%
3 bedrooms	45.2%
4 bedrooms	28.8%
5+ bedrooms	10.7%

Vehicles per household

Vehicles	% of households
No vehicle	1.5%
1 vehicle	27.5%
2 vehicles	45.8%
3 or more	25.2%

Heating fuel

Fuel type	%
Electricity	7.9%
Propane / LP gas	27.3%
Fuel oil	47.8%
Wood	15.1%
Solar	1.3%

Households & families

Household type	Count	%
Married-couple family	1,084	63.5%
Cohabiting couple	66	3.9%
Male householder, no spouse	207	12.1%
Female householder, no spouse	351	20.6%
Households with children under 18	477	27.9%
Households with seniors (65+)	636	37.2%
Average household size	2.29

Marital status

Status	Male	Female
Never married	17.5%	20.9%
Married	68.8%	60.7%
Separated	0.0%	0.0%
Widowed	3.4%	8.2%
Divorced	10.2%	10.3%

Education

Less than 9th grade 0.0%

Some HS, no diploma 0.4%

HS graduate 19.4%

Some college, no degree 15.4%

Associate's degree 8.1%

Bachelor's degree 26.7%

Graduate / professional 30.0%

Metric	%
HS diploma or higher	99.6%
Bachelor's or higher	56.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	17	2.5%
Elementary school	285	42.0%
High school	275	40.5%
College / grad school	102	15.0%

Employment

Industry of employment

Education & healthcare 22.2%

Construction 14.9%

Professional & management 14.0%

Manufacturing 12.1%

Retail trade 11.8%

Other services 5.1%

Agriculture & mining 4.9%

Finance & real estate 4.1%

Public administration 4.1%

Transportation & utilities 2.5%

Arts, food & hospitality 1.9%

Information 1.6%

Wholesale trade 0.7%

Occupation

Category	%
Management, business & arts	59.8%
Service	6.5%
Sales & office	17.8%
Natural resources & construction	12.3%
Production & transportation	3.7%

Employment type

Type	%
Private sector	72.5%
Government	13.6%
Self-employed	12.4%
Unpaid family workers	1.5%

Commute

Method	%
Drive alone	62.0%
Carpool	10.8%
Public transit	0.0%
Walk	2.8%
Work from home	24.1%
Other means	0.4%
Avg commute (minutes)	23.8

Poverty

All people 4.0%

Under 18 years 4.1%

18 and over 3.9%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	29.8%
Retirement income	23.2%
Supplemental Security	0.0%
Cash public assistance	0.4%
Food stamps / SNAP	3.2%

Health indicators

Condition	%
Obesity	20.7%
High blood pressure	24.8%
High cholesterol	29.1%
Diabetes	6.1%
Heart disease	4.6%
Stroke	2.0%
Asthma	9.1%
Arthritis	20.7%
Kidney disease	2.1%
Pulmonary disease	4.1%
Cancer	7.0%

Behavior / access	%
Smoking	8.9%
Binge drinking	17.5%
No physical activity	10.7%
Less than 7 hrs sleep	22.6%
Depression	20.9%
Fair or poor health	6.6%
Poor mental health	11.2%
Poor physical health	6.6%
No health insurance	5.5%
Visited doctor (checkup)	70.2%
Visited dentist	80.3%
Cholesterol screening	93.1%
Teeth loss	6.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	131	4.2%

Disability	%
Any disability	8.3%
Under 18	8.9%
18–64 years	3.8%
65 and over	19.3%

Health insurance coverage

Type	%
Private insurance	78.8%
Public insurance	33.1%
No insurance	5.1%
Uninsured under 19	7.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,689	94.3%
Spanish	18	0.5%
Other Indo-European	18	0.5%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,561	91.1%
Born in same state	3,464	88.6%
Born in different state	1,497	38.3%
Foreign born	97	2.5%
Naturalized citizen	349	8.9%
Not a US citizen	243	69.6%

Ancestry

Ancestry	Count	%
French	658	16.8%
Italian	491	12.6%
Arab	216	5.5%
German	208	5.3%

Ancestry	Count	%
English	87	2.2%
Polish	80	2%
Irish	57	1.5%
Dutch	20	0.5%

Technology access

Metric	% of households
Computer access	43.7%
Internet access	99.3%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 05445

What city is ZIP code 05445 in?

ZIP code 05445 is primarily assigned to Charlotte, Vermont.

What county is ZIP code 05445 in?

ZIP code 05445 falls within Chittenden County, Vermont.

Is ZIP code 05445 mostly owner-occupied?

93% of occupied units in ZIP code 05445 are owner-occupied, well above the national average.

How educated is the population of ZIP code 05445?

57% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the median household income in ZIP code 05445?

The median household income in ZIP code 05445 is $124,611, above the national median of ~$75,000.

What is the typical home value in ZIP code 05445?

The median home value in ZIP code 05445 is $628,800.

What timezone is ZIP code 05445 in?

ZIP code 05445 observes the EST timezone.