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State

Data from November 2026

Housing , home prices, rents and assistance in Connecticut (2026)

A typical home in Connecticut is worth $366,900; the typical rent is $1,488 a month. Depending on the place, the FHA limit for a one-unit home is between $541,287 and $977,500. 13 HUD-approved counseling agencies serve Connecticut; 9 say they serve you in Spanish.

Most populous:

Typical home value by place

  • Under $317,700
  • $317,700–$323,700
  • $323,700–$353,100
  • $353,100–$428,800
  • $428,800 or more

Tap the map to see each place’s figure and open its page.

Typical home value
$366,900
10% more than the U.S.
U.S.: $332,700
Typical rent per month
$1,488
5% more than the U.S.
U.S.: $1,413
Typical household income
$95,781
19% more than the U.S.
U.S.: $80,734
FHA limit, 1 unit
$541,287 to $977,500
It changes by place. The highest applies in 2 places.
U.S.: $541,287 to $1,299,500
Property tax
1.81%
of value a year
The typical bill is $6,643 a year.
U.S.: 0.94%

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD)

In short

Living in Connecticut

A typical home in Connecticut is worth $366,900, 10% more than in the country overall. Across its 9 places, the typical value runs from $307,600 in Northeastern Connecticut Planning Region to $652,900 in Western Connecticut Planning Region. A typical household earns $95,781 a year and pays $1,488 a month in rent; 53% of renters put 30% or more of their income toward housing. 66% of households live in a home they own; they pay a typical property tax of $6,643 a year, about 1.81% of value.

The conforming loan limit for a one-unit home runs from $832,750 to $977,500 depending on the place. To pay HUD’s fair rent for a 2-bedroom apartment in Connecticut ($2,033) without spending more than 30% of income, you need about $39.10 an hour working full time.

Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

The essentials in Connecticut

More on property tax

  • State real estate conveyance tax, in price brackets

    For a home, the State charges 0.75 percent of the first $800,000 of the price, 1.25 percent of the part between $800,000.01 and $2,500,000, and 2.25 percent of the part above $2,500,000. The seller pays it; municipalities also charge their own conveyance tax.

    Connecticut Department of Revenue Services (DRS) · Verified October 23, 2026

  • Deadline to appeal the assessment: February 20

    If you disagree with what your town's assessors did, you can appeal to the board of assessment appeals. The appeal is filed in writing or by email, in the way that board sets, on or before February 20. A person who received title to the property after the assessment date can also appeal, and so can a tenant with a recorded lease who must pay the property tax under that lease.

    Connecticut General Assembly (General Statutes of Connecticut, Chapter 203) · Verified October 24, 2026

  • Tax credit for owners 65 and older or totally disabled (Circuit Breaker)

    State law gives a property tax credit to Connecticut owners who live in their home, are 65 or older or totally disabled, and whose yearly income does not go over certain limits. The local assessor figures the credit and the tax collector applies it to your tax bill. The credit can be up to $1,250 for married couples and $1,000 for single people, based on an income scale. You apply at the assessor's office between February 1 and May 15.

    Connecticut Office of Policy and Management (OPM) · Verified October 24, 2026

The homes here

Housing in Connecticut

What homes there are in Connecticut, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Connecticut, 6 in 10 homes are single-family detached houses, about the same as in the U.S..

Year built

The typical home in Connecticut was built in 1967, 13 years before the typical one in the U.S..

Homes in Connecticut are smaller: 58% have 3 bedrooms or more; in the U.S., 61%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The largest group of owner-occupied homes in Connecticut is worth between $300K and $500K: 37%.

Monthly rent with utilities

The largest group of rented homes in Connecticut pays between $1,000 and $1,499 a month: 30%.

With a mortgage

$2,429 a month

United States: $1,963 a month

Without a mortgage

$1,071 a month

United States: $638 a month

Owners with a mortgage

65%

United States: 61%

In Connecticut, 65% of owners have a mortgage, and their typical cost is $2,429 a month, against $1,963 in the U.S.. Without one it drops to $1,071.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in Connecticut gained value more slowly than in the U.S.: 33% since 2015–2019, against 53%.

Since 2015–2019, the typical rent in Connecticut rose 26%, less than in the U.S. (33%).

Here income did not keep up with housing: it rose 22%, while home values changed +33% and rent +26%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureConnecticutUnited States
Rental vacancy 4.3%5.5%
Homeowner vacancy 0.8%0.9%
More than one person per room 2.1%3.4%
People per household 2.462.53
Drive alone 69%69%
Carpool 8%9%
Public transit 3%3%
Walk or bike 3%3%
Work from home 16%15%
Other means 1%2%
Typical commute 20 to 29 minutes20 to 29 minutes

The rental vacancy rate in Connecticut is 4.3%, lower than in the U.S. (5.5%).

More than one person per room: that is how 2.1% of households in Connecticut live, less than in the U.S. (3.4%).

Much as in the U.S., a household in Connecticut has 2.46 people on average.

To get to work, 69% of workers in Connecticut drive alone; in the U.S., 69%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Places

Explore the places in Connecticut

Sort by any column. Each name leads to its page.

See the places page
Population, typical home value, FHA limit, 2-bedroom fair rent and typical income by place in Connecticut
Capitol Planning Region977,290$323,700$541,287$1,933$93,394
Western Connecticut Planning Region627,071$652,900$977,500$2,399$128,188
South Central Connecticut Planning Region570,598$353,100$541,287$2,091$88,197
Naugatuck Valley Planning Region454,969$317,700$541,287$1,745$86,191
Greater Bridgeport Planning Region329,259$428,800$977,500$2,399$89,667
Southeastern Connecticut Planning Region279,971$323,400$541,287$1,902$86,586
Lower Connecticut River Valley Planning Region175,822$379,700$541,287$1,933$104,428
Northwest Hills Planning Region113,216$335,600$541,287$1,560$93,551
Northeastern Connecticut Planning Region96,312$307,600$541,287$1,568$90,589

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

Calculator

Work out your payment in Connecticut

Start from the typical home value in Connecticut, $366,900, and this week’s average rate. Move the price and the down payment to see your monthly payment. If you already visited a county, the calculator uses its numbers.

More math for Connecticut

$
%

Estimated monthly payment

$3,309

FHA loan over 30 years, with estimated taxes and insurance.

See the full calculation

Prices and risks

Three official measures that help you decide: how much home prices have changed according to FHFA, how prices compare with the national average according to BEA, and how many homes sit in a flood zone according to FEMA.

Home prices

How have home prices changed?

According to the FHFA House Price Index, home prices in Connecticut rose 75% in the 10 years through 2025.

Price change each year

Period Connecticut United States
In 2025 +6.1% +2.9%
5 years (2020–2025) +62% +47%
10 years (2015–2025) +75% +85%

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual state indexes experimental.

Source: FHFA House Price Index (HPI) Data from 2025 data FHFA House Price Index (HPI)

Cost of living

How expensive are prices here?

According to the Bureau of Economic Analysis (BEA), in 2024 prices in Connecticut were 4% higher than the U.S. average. Housing rents were 16% higher than nationwide.

Category Connecticut United States Versus the U.S.
All prices Consumer goods and services 103.6 100.0 4% more
Housing rents What renters pay 117.0 100.6 16% more
Water, power and gas Water, sewer, electricity and gas 146.5 98.4 49% more
Goods Food, clothing, transportation and more 97.3 99.6 2% less
Other services Services other than rent 102.7 100.1 3% more

BEA expresses each index as a percentage of the average U.S. price level: a higher number means higher prices, and a lower one, lower prices.

Source: Regional price parities (BEA) Data from 2024 data Regional price parities (BEA)

Flooding

Is there a flood risk?

According to FEMA, in Connecticut 3.1% of homes (31,281) are in a high-risk flood zone. Of those homes, 51% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. 44 CFR 59.1
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. 42 U.S.C. 4012a
  • Most homeowners insurance does not cover flood damage. FEMA, FloodSmart
Connecticut United States
Homes in a high-risk zone 3.1% 3.5%
Of those, with NFIP insurance 51% 48%
All homes with NFIP insurance 2.1% 2.9%

The NFIP is the federal flood insurance program; private policies are not counted. FEMA counts homes with its National Structure Inventory. We add up the county figures FEMA publishes.

Look up your address on FEMA’s map Source: Homes with flood insurance (NFIP, FEMA) As of August 3, 2026 Homes with flood insurance (NFIP, FEMA)

Places

Cities in Connecticut

The 16 most populous cities with a page. Each one compares its prices and rents with its county.

See the other cities (49)

    Help to buy

    Assistance programs in Connecticut

    Our list has 3 official programs that help you buy in Connecticut. Each card says what kind of help it gives and when we checked its official page.

    See all 3 programs
    1. Downpayment Assistance Program (DAP) Loan

      Connecticut state agency second mortgage for the down payment and closing costs: 4% of the price, between $3,000 and $15,000, together with a CHFA mortgage. Offered by Connecticut Housing Finance Authority (CHFA).

      Repayable Verified November 5, 2026

    2. Time To Own - Forgivable Down Payment Assistance

      Connecticut state agency loan of up to $25,000, with no interest or monthly payments, for the down payment and closing costs, forgiven 10% each year over ten years; it goes with a CHFA mortgage. Offered by Connecticut Housing Finance Authority (CHFA), on behalf of the CT Department of Housing.

      Forgivable Verified November 5, 2026

    3. Next Move with Deferred Down Payment Assistance Program

      Connecticut state agency mortgage for first-time buyers and for people who have owned a home before, with deferred 0% help of up to 3.5% of the loan for the down payment or closing costs. Offered by Connecticut Housing Finance Authority (CHFA).

      Deferred Verified November 5, 2026

    Tenant rights

    Tenant rights in Connecticut

    Connecticut law answers 1 of these 5 questions, each answer with its citation. Where it says “Data not available”, we have not verified it against the source yet.

    A summary of state law, not legal advice. Cities may have additional rules.

    See every right

    1. How much can they charge for a deposit?

      By law, the security deposit may not be more than two months' rent; if you are 62 or older, it may not be more than one month's rent.

      Conn. Gen. Stat. §47a-21(b)

    2. When must they return my deposit?

      Data not available

    3. If I fall behind on rent, what notice must I get?

      Data not available

    4. How much notice ends a month-to-month rental?

      Data not available

    5. Are there limits on late fees?

      Data not available

    A mother holding her baby watches her daughter blow bubbles outdoors.

    Help and advice

    Who can help you in Connecticut?

    You do not have to do this alone. A HUD-approved housing counselor gives independent advice on buying, renting, late payments and credit, often free or at low cost.

    13 HUD-approved counseling agencies serve Connecticut; 9 say they serve you in Spanish. Choose your place to see the closest ones with their phone number.

    50 public housing authorities run Section 8 vouchers and public housing in Connecticut.

    See all 13 agencies See the housing agencies

    Who runs the help in Connecticut

    • Connecticut Housing Finance Authority (CHFA)

      The Connecticut Housing Finance Authority (CHFA) says it can help with financing. It offers 30-year, fixed-rate mortgages with below-market interest rates to low- to moderate-income families and individuals in Connecticut. Its guide explains how to buy a house with a CHFA loan.

      The agency's official page · Verified October 24, 2026

    Where to file a complaint in Connecticut

    • Where to file a housing discrimination complaint

      Connecticut law prohibits illegal discrimination in employment, housing, public accommodations and credit. If you believe you experienced illegal discrimination, the Connecticut Commission on Human Rights and Opportunities (CHRO) will investigate at no cost to you. The complaint must be in writing and under oath, and filed within 300 days of the date of the act of discrimination.

      Connecticut Commission on Human Rights and Opportunities (CHRO) · Verified October 24, 2026

    • Help with insurance complaints or questions

      The Connecticut Insurance Department's Consumer Affairs Unit receives, reviews and responds to complaints and questions from state residents about insurance issues with insurance companies, agents and adjusters. Complaints should be submitted in writing.

      Connecticut Insurance Department (CID) · Verified October 24, 2026

    • CT FAIR Plan: insurer of last resort for your home

      The Insurance Department encourages you to shop around, because underwriting standards vary by insurer. If you cannot get coverage in the private market, the CT FAIR Plan is Connecticut's insurer of last resort.

      Connecticut Insurance Department (CID) · Verified October 24, 2026

    Guides

    Guides for you in Connecticut

    We picked them with the numbers of Connecticut. Each one says why it can help you.

    Frequently asked questions about housing in Connecticut

    What is the FHA limit in Connecticut in 2026?

    In Connecticut, the FHA limit for a one-unit home runs from $541,287 to $977,500. The highest is in Greater Bridgeport Planning Region.

    How much does a typical home cost in Connecticut?

    The typical home value in Connecticut is $366,900 (Average 2020–2024, U.S. Census). The highest is in Western Connecticut Planning Region ($652,900) and the lowest in Northeastern Connecticut Planning Region ($307,600).

    How much does it cost to rent in Connecticut?

    The typical rent in Connecticut is $1,488 a month (Average 2020–2024, U.S. Census).

    How much do you need to earn to rent a 2-bedroom apartment in Connecticut?

    At HUD's average fair market rent in Connecticut ($2,033, Fiscal year 2027), about $39.10 an hour working full time, so rent stays under 30% of income.

    How much is property tax in Connecticut?

    The typical property tax in Connecticut is $6,643 a year, about 1.81% of home value (Average 2020–2024, U.S. Census).

    Where can I find free help in Spanish to buy a home in Connecticut?

    There are 13 HUD-approved counseling agencies in Connecticut; 9 say they serve you in Spanish. Each place page lists the closest ones with their phone number.

    Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); Regional price parities (2024 data); Census Bureau cartographic boundary files (2024 data).