What stands out worked out from the figures below

Ludlow has the most renters (48.6% rent).

Jay has grown the fastest since 2010 (+5.8%).

What matters to you?

Pick a few. We’ll pull those rows to the top and mark which town comes out ahead on each. There’s no overall score: what matters is up to you.

Raising kidsAffordabilityOwning a homeShort commuteWorking from homeYounger crowdSettled, older crowdGrowing town

Measure	Ludlow	Jay
People
Population	808Highest	471Lowest
Growth since 20102010 → 2020 census	-4.7%Lowest VT: +2.8%	+5.8%Highest VT: +2.8%
Median age	48.7±5.6Lowest 13% above VT	52.1±10.5Highest 21% above VT
	Jay and Ludlow are within the Census margin of error here, so we can’t say which is really higher.
Kids under 18	13.1%±3.7Lowest VT: 17.9%	14.2%±7.3Highest VT: 17.9%
	Jay and Ludlow are within the Census margin of error here, so we can’t say which is really higher.
Age 65+	30.4%±0.5Highest VT: 21.4%	15.5%±6.3Lowest VT: 21.4%
Bachelor’s degree+adults 25+	39.3%Lowest VT: 43.8%	45.1%Highest VT: 43.8%
Enrolled in collegeshare of residents	2.6%±1.6Highest VT: 7%	1.9%±2.5Lowest VT: 7%
	Ludlow and Jay are within the Census margin of error here, so we can’t say which is really higher.
Cost of living
Household incomemedian	$56,667±$19kLowest 30% below VT	$74,792±$25kHighest 8% below VT
	Jay and Ludlow are within the Census margin of error here, so we can’t say which is really higher.
Home valuemedian, owner-occupied	$304,000±$32kHighest 4% below VT	$234,200±$45kLowest 26% below VT
	Ludlow and Jay are within the Census margin of error here, so we can’t say which is really higher.
Rentmedian gross, monthly	$1,018±$91 18% below VT	—
Property taxmedian, yearly	$4,237Highest 16% below VT	$3,588Lowest 29% below VT
Renters paying 30%+of income on rent	33%±13.8Lowest VT: 48.4%	40%±100Highest VT: 48.4%
	Jay and Ludlow are within the Census margin of error here, so we can’t say which is really higher.
Below poverty line	8.7% VT: 10.1%	8.7% VT: 10.1%
Housing
Homeownersof occupied homes	51.4%Lowest VT: 73.2%	97%Highest VT: 73.2%
Typical home builtmedian year	1938Lowest 38 yrs older than VT	2001Highest 25 yrs newer than VT
Getting to work
Average commuteone way	21 minLowest 10% below VT	40 minHighest 69% above VT
Work from home	17.3%±6.4Lowest VT: 16.9%	27.3%±13.7Highest VT: 16.9%
	Jay and Ludlow are within the Census margin of error here, so we can’t say which is really higher.
Schools
School district	—	Jay/Westfield Joint Elementary School District
High school in town	—	None in town
On TownTapestry
Old photos in History	None yet	None yet

VT average · Sources: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024; 2010 & 2020 decennial census; NCES Common Core of Data. “±” is the Census margin of error. Property tax is top-coded by the Census at $10,000+. School rank compares math and reading proficiency against the state average.