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City · 7,546 residents · Western Connecticut Planning Region, Connecticut

Cos Cob , Connecticut

In Cos Cob, a typical home is worth $1,210,400 and typical rent is $3,067 a month. Compared with all of Western Connecticut Planning Region, the typical home value is 85% higher and typical household income is 49% higher.

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  • Typical home value

    $1,210,400

    85% above the planning region

    230% above Connecticut

    • Cos Cob
    • Western Connecticut
    • Connecticut

  • Typical rent

    $3,067a month

    45% above the planning region

    106% above Connecticut

    • Cos Cob
    • Western Connecticut
    • Connecticut

  • Typical household income

    $190,481a year

    49% above the planning region

    99% above Connecticut

    • Cos Cob
    • Western Connecticut
    • Connecticut

  • Households that own their home

    67%

    About the same as the planning region

    About the same as Connecticut

    • Cos Cob
    • Western Connecticut
    • Connecticut

Source: U.S. Census Bureau, Average 2020–2024

Cos Cob is in Western Connecticut Planning Region. The FHA loan limit ($977,500 for a one-unit home), the fair market rents and the help on this page are those of all of Western Connecticut Planning Region. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Cos Cob apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in Cos Cob is worth $1,210,400, 85% more than in Western Connecticut Planning Region as a whole ($652,900).

  2. Nearby, in Stamford, the typical home value is $624,400: 48% less than in Cos Cob ($1,210,400).

  3. The typical household income in Cos Cob is $190,481, 49% more than in Western Connecticut Planning Region as a whole ($128,188).

  4. Cos Cob has the 3rd largest share of rent-burdened renters of the 60 cities in Connecticut with more than 5,000 people (65%).

  5. The typical rent in Cos Cob is $3,067 a month, 45% more than in Western Connecticut Planning Region as a whole ($2,110).

  6. Nearby, in Greenwich, the typical rent is $2,082: 32% less than in Cos Cob ($3,067).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Cos Cob

What homes there are in Cos Cob, 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

The detached house rules in Cos Cob: 61% of homes, more than in Western Connecticut Planning Region (57%).

Year built

In Cos Cob, 77% of homes have 3 bedrooms or more, more than in Western Connecticut Planning Region (60%).

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
Monthly rent with utilities

Without a mortgage

$1,246 a month

Western Connecticut Planning Region: $1,431 a month

Owners with a mortgage

68%

Western Connecticut Planning Region: 67%

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

Since 2015–2019, the typical home value in Cos Cob rose 15%.

Since 2015–2019, the typical rent in Cos Cob rose 55%.

While home values in Cos Cob changed +15% and rent +55%, the typical household income rose 28%.

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

MeasureCos CobWestern Connecticut Planning RegionConnecticutUnited States
Rental vacancy Unreliable estimate3.8%4.3%5.5%
Homeowner vacancy Unreliable estimate1.1%0.8%0.9%
More than one person per room Unreliable estimate2.7%2.1%3.4%
People per household 2.742.632.462.53
Drive alone 52%59%69%69%
Carpool Unreliable estimate8%8%9%
Public transit 10%7%3%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 30%22%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Western Connecticut Planning Region, a household in Cos Cob has 2.74 people on average.

In Cos Cob, 30% of workers work from home, more than in Western Connecticut Planning Region (22%).

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

Do the math

What would you pay each month for a home in Cos Cob?

A typical home costs more than the typical income allows

We start with a typical home in Cos Cob, worth $1,210,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 63% of the typical household income in Cos Cob, which is $190,481 a year. For that payment to be 28% of income, a household would need to earn about $426,914 a year. Note: at that price the loan is above the FHA limit for Western Connecticut Planning Region ($977,500), so FHA would not insure it; the payment is only a reference.

The calculator's FHA and conventional loan limits are those of all of Western Connecticut Planning Region.

Your numbers

Local data
$

Starts at the typical home value in Cos Cob. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $42,364 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$9,961

at 7.18% · 30 years

Loan amount
$1,188,477
Total interest
$1,709,939
Paid off in
November 2056

Includes $20,441 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,445 a month

  • Tight

    $4,445 to $5,714 a month

  • Hard

    more than $5,714 a month

    Your payment · 63%

Compared with the typical household income in Cos Cob ($190,481 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$9,961
Principal & interest$8,051
Property tax$676
Home insurance$504
FHA mortgage insurance (MIP)$730

This loan is over the FHA limit

You'd borrow $1,168,036, but the FHA limit for a one-unit home in Cos Cob is $977,500. You'd need a bigger down payment or a different loan.

You need at least $42,364 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Cos Cob and Western Connecticut Planning Region

Cos Cob is in Western Connecticut Planning Region, Connecticut. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Cos Cob's own numbers

Typical home value
$1,210,400
Typical monthly rent
$3,067
Typical yearly household income
$190,481
Households that own their home
67%
Effective property tax rate
0.67%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Western Connecticut Planning Region

FHA limit, one-unit home
$977,500
Conventional limit, one unit
$977,500
HUD fair market rent, 2 bedrooms
$2,399
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
3.9%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Western Connecticut Planning Region.

Everything about Western Connecticut Planning Region

Buying

Buying a home in Cos Cob

A typical home in Cos Cob is worth $1,210,400: 85% above the planning region and 230% above Connecticut. With the typical household income in Cos Cob ($190,481 a year), a typical home costs 6.4 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Cos Cob 6.4 years
  • Western Connecticut 5.1 years
  • Connecticut 3.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Western Connecticut Planning Region

According to FHFA’s house price index, home prices in Western Connecticut Planning Region rose 65% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Western Connecticut Planning Region.

Period Region Connecticut U.S.
Last year (2025) +5.8% +6.1% +2.9%
5 years (2020–2025) +56% +62% +47%
10 years (2015–2025) +65% +75% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Cos Cob next to Western Connecticut Planning Region, Connecticut and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Cos Cob $1,210,400
  • Western Connecticut $652,900
  • Connecticut $366,900
  • United States $332,700
Typical monthly rent
  • Cos Cob $3,067
  • Western Connecticut $2,110
  • Connecticut $1,488
  • United States $1,413
Typical yearly household income
  • Cos Cob $190,481
  • Western Connecticut $128,188
  • Connecticut $95,781
  • United States $80,734
See the full table
Cos Cob next to Western Connecticut Planning Region and Connecticut
Measure Cos Cob Western Connecticut Planning Region Connecticut U.S.
Typical home value $1,210,400 $652,900 $366,900 $332,700
Typical monthly rent $3,067 $2,110 $1,488 $1,413
Typical yearly household income $190,481 $128,188 $95,781 $80,734
Households that own their home 67% 66% 66% 65%
Typical yearly property tax $8,168 $9,295 $6,643 $3,119
Effective property tax rate 0.67% 1.42% 1.81% 0.94%
Renters with high rent for their income 65% 53% 53% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Western Connecticut Planning Region. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Cos Cob

For a typical $1,210,400 home in Cos Cob, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cos Cob's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $9,961a month

    Above the FHA limit for Western Connecticut Planning Region ($977,500)
    Down payment
    $42,364
    Cash to close
    $78,676
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $730

  • Conventional, 5% down $9,545a month

    Above the conventional limit for Western Connecticut Planning Region ($977,500): it would be a "jumbo" loan
    Down payment
    $60,520
    Cash to close
    $96,832
    Rate
    7.18%
    Mortgage insurance
    PMI · $575

  • Conventional, 20% down, no PMI $7,740a month

    Least cash to close
    Down payment
    $242,080
    Cash to close
    $278,392
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $8,859a month

    Down payment
    $181,560
    Cash to close
    $217,872
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is Conventional, 20% down, no PMI.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Cos Cob and for Western Connecticut Planning Region.

Property tax

Effective rate in Cos Cob

0.67%of the home’s value each year

$8,168 a year for the typical owner in Cos Cob.

  • Cos Cob 0.67%
  • Western Connecticut 1.42%
  • Connecticut 1.81%

What Connecticut publishes Deadline to appeal the assessment: February 20 (Connecticut General Assembly (General Statutes of Connecticut, Chapter 203))

Exemptions and deadlines in Connecticut

Flood risk in Western Connecticut Planning Region

FEMA does not publish these numbers by city: they are for all of Western Connecticut Planning Region.

Homes in the high-risk zone
3.9%
6,453
Of those, with NFIP insurance
57%
Region Connecticut U.S.
Homes in the high-risk zone 3.9% 3.1% 3.5%
Of those, with NFIP insurance 57% 51% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cos Cob

Typical rent in Cos Cob is $3,067 a month: 45% above the planning region. In Cos Cob, 65% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Western Connecticut Planning Region, by unit size. To pay the 2-bedroom one ($2,399 a month) without spending more than 30% of your income, you would need to earn $46.13 an hour working full time.

HUD fair market rent for all of Western Connecticut Planning Region

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,671 $32.13 $66,840
1 bedroom $2,071 $39.83 $82,840
2 bedrooms $2,399 $46.13 $95,960
3 bedrooms $2,878 $55.35 $115,120
4 bedrooms $3,573 $68.71 $142,920

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

Free help

Help to buy or rent in Cos Cob

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Western Connecticut Planning Region; 1 says it serves in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Cos Cob

No down payment, repair or rent-help program on our list is for Cos Cob or Western Connecticut Planning Region. The ones below are statewide in Connecticut: they work in Cos Cob the same as in the rest of the state.

Which programs do I qualify for? All programs in Connecticut

Housing counselors near Cos Cob

The HUD-approved agencies closest to the center of Cos Cob, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Housing Development Fund, Inc

    100 Prospect St, Stamford · 3 miles away · Spanish

    Also serves in Portuguese.

    • Pre-purchase counseling
    • Homebuyer education workshops
    203-969-1830-1010

  • Building Neighborhoods Together, Inc.

    570 State St, Bridgeport · 22 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (203) 290-4255

  • Neighborhood Housing Services of New Haven

    333 Sherman Ave, New Haven · 39 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (203) 562-0598

Every agency in Western Connecticut Planning Region All counseling agencies in Connecticut

Help in Spanish near Cos Cob

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Cos Cob

In HUD’s record, no housing authority with an office in Western Connecticut Planning Region is named for Cos Cob or Western Connecticut Planning Region.

4 other authorities have an office in Western Connecticut Planning Region: see the list Source: HUD

Cities

Other cities in Western Connecticut Planning Region

These cities are also in Western Connecticut Planning Region. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Western Connecticut Planning Region Housing in Connecticut
See 1 more city in Western Connecticut Planning Region, with its price and rent

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Cos Cob, with the typical home value.

Neighboring counties

If Western Connecticut Planning Region is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Cos Cob.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Cos Cob

Short answers with the numbers for Cos Cob and all of Western Connecticut Planning Region. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Cos Cob?

The typical home value in Cos Cob is $1,210,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Western Connecticut Planning Region it is $652,900.

How much does it cost to rent in Cos Cob?

Typical rent in Cos Cob is $3,067 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Western Connecticut Planning Region is $2,399.

What is the FHA loan limit in Cos Cob?

Cos Cob uses the FHA limit for all of Western Connecticut Planning Region (2026): $977,500 for a one-unit home and $1,879,850 for a four-unit home.

How much property tax do owners pay in Cos Cob?

The typical homeowner in Cos Cob pays $8,168 a year, according to the U.S. Census Bureau. That is 0.67% of the home’s value; in Western Connecticut Planning Region, the rate is 1.42%.

Where can I find free help to buy or rent in Cos Cob?

There is 1 HUD-approved counseling agency with an office in Western Connecticut Planning Region. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).