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City · 121,127 residents · Capitol Planning Region, Connecticut

Hartford , Connecticut

In Hartford, a typical home is worth $228,600 and typical rent is $1,269 a month. Compared with all of Capitol Planning Region, typical household income is 50% lower, the typical home value is 29% lower, and the share of households that own their home is 40 points lower.

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  • Typical home value

    $228,600

    29% below the planning region

    38% below Connecticut

    • Hartford
    • Capitol
    • Connecticut

  • Typical rent

    $1,269a month

    10% below the planning region

    15% below Connecticut

    • Hartford
    • Capitol
    • Connecticut

  • Typical household income

    $46,411a year

    50% below the planning region

    52% below Connecticut

    • Hartford
    • Capitol
    • Connecticut

  • Households that own their home

    26%

    40 points below the planning region

    41 points below Connecticut

    • Hartford
    • Capitol
    • Connecticut

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

Hartford is in Capitol Planning Region. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Capitol Planning Region. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Hartford apart

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

  1. 26% of households in Hartford own their home, against 66% in Capitol Planning Region.

  2. The typical household income in Hartford is $46,411, 50% less than in Capitol Planning Region as a whole ($93,394).

  3. The typical home in Hartford is worth $228,600, 29% less than in Capitol Planning Region as a whole ($323,700).

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

The homes here

Housing in Hartford

What homes there are in Hartford, 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

There are more apartments in Hartford than in Capitol Planning Region: 44% of homes, against 21%.

Year built

Homes in Hartford are older: the typical year built is 1951; in Capitol Planning Region, 1966.

In Hartford, 34% of homes have 1 bedroom or none (studios); 35% have 3 bedrooms or more, against 58% in Capitol Planning Region.

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

By price, most homes in Hartford sit under the FHA limit for Capitol Planning Region ($541,287): about 94%.

Monthly rent with utilities

By rent, most homes in Hartford cost less than HUD's 2-bedroom fair market rent ($1,933): about 91%.

With a mortgage

$1,922 a month

Capitol Planning Region: $2,284 a month

Without a mortgage

$905 a month

Capitol Planning Region: $1,027 a month

Owners with a mortgage

71%

Capitol Planning Region: 65%

Owning costs less in Hartford: with a mortgage, the typical cost is $1,922 a month; in Capitol Planning Region, $2,284. Without one, $905.

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

The typical home value in Hartford rose 38% from 2015–2019 to 2020–2024.

The typical rent in Hartford rose 29% over the same time.

To compare: typical income in Hartford rose 28%; the home, +38%; the rent, +29%.

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

MeasureHartfordCapitol Planning RegionConnecticutUnited States
Rental vacancy 6.2%4.8%4.3%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room 4.0%1.9%2.1%3.4%
People per household 2.322.412.462.53
Drive alone 58%70%69%69%
Carpool 11%8%8%9%
Public transit 13%3%3%3%
Walk or bike 5%2%3%3%
Work from home 9%17%16%15%
Other means 3%1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

There is more rental housing open in Hartford: 6.2% is empty and offered for rent, against 4.8% in Capitol Planning Region.

More than one person per room: that is how 4.0% of households in Hartford live, more than in Capitol Planning Region (1.9%).

Much as in Capitol Planning Region, a household in Hartford has 2.32 people on average.

Public transit matters here: 13% of workers take it to work, against 3% in Capitol Planning Region.

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 Hartford?

A typical home costs more than the typical income allows

We start with a typical home in Hartford, worth $228,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 54% of the typical household income in Hartford, which is $46,411 a year. For that payment to be 28% of income, a household would need to earn about $89,993 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Hartford. 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 $8,001 (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

$2,100

at 7.18% · 30 years

Loan amount
$224,459
Total interest
$322,945
Paid off in
November 2056

Includes $3,860 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,083 a month

  • Tight

    $1,083 to $1,392 a month

  • Hard

    more than $1,392 a month

    Your payment · 54%

Compared with the typical household income in Hartford ($46,411 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,100
Principal & interest$1,521
Property tax$383
Home insurance$95
FHA mortgage insurance (MIP)$101

You need at least $8,001 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

Hartford and Capitol Planning Region

Hartford is in Capitol 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).

Hartford's own numbers

Typical home value
$228,600
Typical monthly rent
$1,269
Typical yearly household income
$46,411
Households that own their home
26%
Effective property tax rate
2.01%

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

Numbers for all of Capitol Planning Region

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,933
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
0.8%

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 Capitol Planning Region.

Everything about Capitol Planning Region

Buying

Buying a home in Hartford

A typical home in Hartford is worth $228,600: 29% below the planning region and 38% below Connecticut. With the typical household income in Hartford ($46,411 a year), a typical home costs 4.9 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.

  • Hartford 4.9 years
  • Capitol 3.5 years
  • Connecticut 3.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Capitol Planning Region

According to FHFA’s house price index, home prices in Capitol Planning Region rose 73% in the 10 years through 2025.

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

Period Region Connecticut U.S.
Last year (2025) +5.7% +6.1% +2.9%
5 years (2020–2025) +62% +62% +47%
10 years (2015–2025) +73% +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

Hartford next to Capitol 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
  • Hartford $228,600
  • Capitol $323,700
  • Connecticut $366,900
  • United States $332,700
Typical monthly rent
  • Hartford $1,269
  • Capitol $1,411
  • Connecticut $1,488
  • United States $1,413
Typical yearly household income
  • Hartford $46,411
  • Capitol $93,394
  • Connecticut $95,781
  • United States $80,734
See the full table
Hartford next to Capitol Planning Region and Connecticut
Measure Hartford Capitol Planning Region Connecticut U.S.
Typical home value $228,600 $323,700 $366,900 $332,700
Typical monthly rent $1,269 $1,411 $1,488 $1,413
Typical yearly household income $46,411 $93,394 $95,781 $80,734
Households that own their home 26% 66% 66% 65%
Typical yearly property tax $4,603 $6,454 $6,643 $3,119
Effective property tax rate 2.01% 1.99% 1.81% 0.94%
Renters with high rent for their income 59% 52% 53% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Capitol 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 Hartford

For a typical $228,600 home in Hartford, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hartford's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,100a month

    Least cash to close
    Down payment
    $8,001
    Cash to close
    $14,859
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $101

  • Conventional, 5% down $2,058a month

    Down payment
    $11,430
    Cash to close
    $18,288
    Rate
    7.18%
    Mortgage insurance
    PMI · $109

  • Conventional, 20% down, no PMI $1,717a month

    Down payment
    $45,720
    Cash to close
    $52,578
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,928a month

    Down payment
    $34,290
    Cash to close
    $41,148
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • 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 Hartford and for Capitol Planning Region.

Property tax

Effective rate in Hartford

2.01%of the home’s value each year

$4,603 a year for the typical owner in Hartford.

  • Hartford 2.01%
  • Capitol 1.99%
  • 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 Capitol Planning Region

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

Homes in the high-risk zone
0.8%
2,055
Of those, with NFIP insurance
32%
Region Connecticut U.S.
Homes in the high-risk zone 0.8% 3.1% 3.5%
Of those, with NFIP insurance 32% 51% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Hartford

Typical rent in Hartford is $1,269 a month: 10% below the planning region. In Hartford, 59% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Capitol Planning Region, by unit size. To pay the 2-bedroom one ($1,933 a month) without spending more than 30% of your income, you would need to earn $37.17 an hour working full time.

HUD fair market rent for all of Capitol 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 $1,346 $25.88 $53,840
1 bedroom $1,543 $29.67 $61,720
2 bedrooms $1,933 $37.17 $77,320
3 bedrooms $2,303 $44.29 $92,120
4 bedrooms $2,542 $48.88 $101,680

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

Low-income apartments

Low-income apartments in Hartford

HUD lists 111 buildings with rents for lower incomes in Hartford. These are the largest.

  • Percival C. Smith Towers 80 Charter Oak Ave, Hartford 06106 482 homes, 479 low-income · Run by Housing Authority of the City of Hartford · Average payment: $347 a month · Average wait: 38 months (860) 723-8400
  • Shepherd Park 170 Sisson Ave, Hartford 373 low-income homes · Studio: 17 · 1 bd: 290 · 2 bd: 66 · In service since 2010 · For older adults, families
  • Shepherd Park 170 Sisson Ave, Hartford 06105 372 low-income homes · For older adults (860) 523-9159
  • Sana Apartments 1630 Main St, Hartford 06120 256 low-income homes · For families (860) 278-4460
  • New Communities/Mary Shephard Place 58 Theodore Napper Ln, Hartford 06120 242 low-income homes · Run by Housing Authority of the City of Hartford · Average payment: $734 a month · Average wait: 36 months (860) 723-8400

See all 256 buildings in Capitol Planning Region Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Hartford

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 are 5 HUD-approved agencies with an office in Capitol Planning Region; 3 say they serve in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Hartford

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

Which programs do I qualify for? All programs in Connecticut

Housing counselors near Hartford

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

  • NSC (naca Counseling Subsidiary) - Hartford CT

    241 Main St Fl 1, Hartford · 1 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    203-562-6220-1385

  • Community Renewal Team, Inc.

    330 Market St, Hartford · 1 miles away

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 2 more
    (860) 560-5600

  • Mutual Housing Association of Greater Hartford, Inc.

    95 Niles St, Hartford · 1 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (860) 904-6865

Every agency in Capitol Planning Region All counseling agencies in Connecticut

Help in Spanish near Hartford

2 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 Hartford

HUD’s record names them for Hartford or Capitol Planning Region. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • City of Hartford Housing Authority Section 8 vouchers (860) 757-9031
  • Housing Authority of the City of Hartford Public housing and Section 8 vouchers (860) 723-8400

17 other authorities have an office in Capitol Planning Region: see the list Source: HUD

Cities

Other cities in Capitol Planning Region

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

Everything about Capitol Planning Region Housing in Connecticut
See 4 more cities in Capitol Planning Region, with prices and rents

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

Nearby cities

The cities closest to Hartford, with the typical home value.

Neighboring counties

If Capitol 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 Hartford.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Hartford

Short answers with the numbers for Hartford and all of Capitol 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 Hartford?

The typical home value in Hartford is $228,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Capitol Planning Region it is $323,700.

How much does it cost to rent in Hartford?

Typical rent in Hartford is $1,269 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Capitol Planning Region is $1,933.

What is the FHA loan limit in Hartford?

Hartford uses the FHA limit for all of Capitol Planning Region (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Hartford?

The typical homeowner in Hartford pays $4,603 a year, according to the U.S. Census Bureau. That is 2.01% of the home’s value; in Capitol Planning Region, the rate is 1.99%.

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

There are 5 HUD-approved counseling agencies with an office in Capitol Planning Region. 3 say they serve 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).