City · 31,800 residents · Naugatuck Valley Planning Region, Connecticut
Naugatuck, Connecticut
In Naugatuck, a typical home is worth $259,100 and typical rent is $1,369 a month. Compared with all of Naugatuck Valley Planning Region, the typical home value is 18% lower and typical household income is 12% higher.
Naugatuck is in Naugatuck Valley 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 Naugatuck Valley Planning Region. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Waterbury, the typical home value is $208,500: 20% less than in Naugatuck ($259,100).
2
Nearby, in Cheshire Village, the typical rent is $1,118: 18% less than in Naugatuck ($1,369).
3
The typical home in Naugatuck is worth $259,100,18% less than in Naugatuck Valley Planning Region as a whole ($317,700).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Naugatuck
What homes there are in Naugatuck, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Naugatuck
Naugatuck Valley Planning Region
Connecticut
United States
Kind of home: Naugatuck and its comparisons
Measure
Naugatuck
Naugatuck Valley Planning Region
Connecticut
United States
Detached house
56%
59%
59%
61%
Attached house
9%
8%
7%
6%
Building of 2 to 4
16%
17%
16%
8%
Apartments (5 or more)
Unreliable estimate
15%
19%
19%
Mobile home
2%
1%
1%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is the most common home in Naugatuck: 56% of homes, near the figure in Naugatuck Valley Planning Region (59%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Naugatuck
Naugatuck Valley Planning Region
Connecticut
United States
Year built: Naugatuck and its comparisons
Measure
Naugatuck
Naugatuck Valley Planning Region
Connecticut
United States
Before 1960
37%
39%
41%
26%
1960–1979
30%
27%
27%
24%
1980–1999
25%
23%
20%
25%
2000–2009
8%
7%
7%
14%
2010 or later
Unreliable estimate
4%
5%
11%
In Naugatuck, half of the homes were built before 1971; in Naugatuck Valley Planning Region, before 1969.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K8%
$100K–$200K18%
$200K–$300K37%
$300K–$500K30%
$500K–$750K6%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Naugatuck and its comparisons
Measure
Naugatuck
Under $100K
8%
$100K–$200K
18%
$200K–$300K
37%
$300K–$500K
30%
$500K–$750K
6%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
By price, most homes in Naugatuck sit under the FHA limit for Naugatuck Valley Planning Region ($541,287): about 94%.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99910%
$1,000–$1,49949%
$1,500–$1,99927%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Naugatuck and its comparisons
Measure
Naugatuck
Under $500
Unreliable estimate
$500–$999
10%
$1,000–$1,499
49%
$1,500–$1,999
27%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,191 a month
Naugatuck Valley Planning Region: $2,229 a month
Without a mortgage
$1,008 a month
Naugatuck Valley Planning Region: $1,010 a month
Owners with a mortgage
63%
Naugatuck Valley Planning Region: 65%
Owning costs about the same in Naugatuck as in Naugatuck Valley Planning Region: with a mortgage, $2,191 a month; without one, $1,008.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Naugatuck+41%
Naugatuck Valley Planning RegionBoundaries changed
Connecticut+33%
United States+53%
Typical rent
Naugatuck+28%
Naugatuck Valley Planning RegionBoundaries changed
Connecticut+26%
United States+33%
Typical household income
Naugatuck+29%
Naugatuck Valley Planning RegionBoundaries changed
Connecticut+22%
United States+29%
Change since 2015–2019: Naugatuck and its comparisons
Measure
Naugatuck
Naugatuck Valley Planning Region
Connecticut
United States
Typical home value
+41%
Boundaries changed
+33%
+53%
Typical rent
+28%
Boundaries changed
+26%
+33%
Typical household income
+29%
Boundaries changed
+22%
+29%
From 2015–2019 to 2020–2024, the typical home value in Naugatuck rose 41%.
The typical rent in Naugatuck rose 28% over the same time.
The typical household income in Naugatuck rose 29% over that time; home values changed +41% and rent +28%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Naugatuck and its comparisons
Measure
Naugatuck
Naugatuck Valley Planning Region
Connecticut
United States
Rental vacancy
Unreliable estimate
4.3%
4.3%
5.5%
Homeowner vacancy
Unreliable estimate
1.0%
0.8%
0.9%
More than one person per room
Unreliable estimate
2.4%
2.1%
3.4%
People per household
2.47
2.49
2.46
2.53
Drive alone
74%
74%
69%
69%
Carpool
6%
9%
8%
9%
Public transit
Unreliable estimate
1%
3%
3%
Walk or bike
Unreliable estimate
1%
3%
3%
Work from home
15%
13%
16%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
A household in Naugatuck has 2.47 people on average, about the same as in Naugatuck Valley Planning Region (2.49).
In Naugatuck, 74% of workers drive alone to work; in Naugatuck Valley Planning Region, 74%.
Do the math
What would you pay each month for a home in Naugatuck?
A typical home is tight for the typical income
We start with a typical home in Naugatuck, worth $259,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Naugatuck, which is $96,324 a year. For that payment to be 28% of income, a household would need to earn about $106,164 a year.
The calculator's FHA and conventional loan limits are those of all of Naugatuck Valley Planning Region.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Naugatuck. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $9,069 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,477
at 7.18% · 30 years
Loan amount
$254,407
Total interest
$366,031
Paid off in
November 2056
Includes $4,376 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,248 a month
Tight
$2,248 to $2,890 a month
Your payment · 31%
Hard
more than $2,890 a month
Compared with the typical household income in Naugatuck ($96,324 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,723
Property tax
$531
Home insurance
$108
FHA mortgage insurance (MIP)
$115
You need at least $9,069 for the down payment, plus closing costs.
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.
Total monthly payment $2,477; principal and interest $1,723.
The city and its county
Naugatuck and Naugatuck Valley Planning Region
Naugatuck is in Naugatuck Valley 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).
Naugatuck
Map of Naugatuck Valley Planning Region, Connecticut, with Naugatuck marked. Around it, the neighboring counties.
Naugatuck
Naugatuck Valley Planning Region
Other cities with a page
Naugatuck's own numbers
Typical home value
$259,100
Typical monthly rent
$1,369
Typical yearly household income
$96,324
Households that own their home
68%
Effective property tax rate
2.46%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Naugatuck Valley Planning Region
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$851,000
HUD fair market rent, 2 bedrooms
$1,745
Price change over 5 years (FHFA)
+65%
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 Naugatuck Valley Planning Region.
A typical home in Naugatuck is worth $259,100: 18% below the planning region and 29% below Connecticut. With the typical household income in Naugatuck ($96,324 a year), a typical home costs 2.7 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.
Naugatuck2.7 years
Naugatuck Valley3.7 years
Connecticut3.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Naugatuck Valley Planning Region
According to FHFA’s house price index, home prices in Naugatuck Valley Planning Region rose 81% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Naugatuck Valley Planning Region.
Yearly change in FHFA’s price index in Naugatuck Valley Planning Region, 2016 to 2025
2016: −0.1% −0.1% 2016
2017: +0.9% +0.9% 2017
2018: +2.1% +2.1% 2018
2019: +2.5% +2.5% 2019
2020: +4.3% +4.3% 2020
2021: +13.3% +13.3% 2021
2022: +14.1% +14.1% 2022
2023: +11.3% +11.3% 2023
2024: +7.7% +7.7% 2024
2025: +6.4% +6.4% 2025
Change in FHFA’s price index in Naugatuck Valley Planning Region, Connecticut and the United States
Period
Region
Connecticut
U.S.
Last year (2025)
+6.4%
+6.1%
+2.9%
5 years (2020–2025)
+65%
+62%
+47%
10 years (2015–2025)
+81%
+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
Naugatuck next to Naugatuck Valley 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
Naugatuck$259,100
Naugatuck Valley$317,700
Connecticut$366,900
United States$332,700
Typical monthly rent
Naugatuck$1,369
Naugatuck Valley$1,330
Connecticut$1,488
United States$1,413
Typical yearly household income
Naugatuck$96,324
Naugatuck Valley$86,191
Connecticut$95,781
United States$80,734
See the full table
Naugatuck next to Naugatuck Valley Planning Region and Connecticut
Measure
Naugatuck
Naugatuck Valley Planning Region
Connecticut
U.S.
Typical home value
$259,100 ▼18% below the planning region
$317,700
$366,900
$332,700
Typical monthly rent
$1,369 ▲3% above the planning region
$1,330
$1,488
$1,413
Typical yearly household income
$96,324 ▲12% above the planning region
$86,191
$95,781
$80,734
Households that own their home
68% ▼1 points below the planning region
69%
66%
65%
Typical yearly property tax
$6,362 ▲6% above the planning region
$5,983
$6,643
$3,119
Effective property tax rate
2.46% ▲0.58 points above the planning region
1.88%
1.81%
0.94%
Renters with high rent for their income
42% ▼11 points below the planning region
53%
53%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Naugatuck Valley 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 Naugatuck
For a typical $259,100 home in Naugatuck, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Naugatuck's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,477a month
Least cash to close
Down payment
$9,069
Cash to close
$16,842
Rate
7.18%
Mortgage insurance
FHA MIP · $115
Conventional, 5% down$2,430a month
Down payment
$12,955
Cash to close
$20,728
Rate
7.18%
Mortgage insurance
PMI · $123
Conventional, 20% down, no PMI$2,043a month
Down payment
$51,820
Cash to close
$59,593
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,283a month
Down payment
$38,865
Cash to close
$46,638
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Naugatuck
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,477
$9,069
$254,407
7.18%
FHA MIP · $115
$16,842
580
Conventional, 5% down
$2,430
$12,955
$246,145
7.18%
PMI · $123
$20,728
620*
Conventional, 20% down, no PMI
$2,043
$51,820
$207,280
7.18%
None
$59,593
620*
ITIN, 15% down (example)
$2,283
$38,865
$220,235
8.18%
None
$46,638
Set by the lender
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.
Typical rent in Naugatuck is $1,369 a month: 3% above the planning region. In Naugatuck, 42% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Naugatuck Valley Planning Region, by unit size. To pay the 2-bedroom one ($1,745 a month) without spending more than 30% of your income, you would need to earn $33.56 an hour working full time.
George B. Lewis II71 Osborn Rd, Naugatuck 06770104 low-income homes · Run by Naugatuck Housing Authority · Average payment: $652 a month · Average wait: 37 months(203) 729-8214
Lewis Circle Apartments14 Lewis Cir, Naugatuck 0677032 low-income homes · Run by Naugatuck Housing Authority · Average payment: $542 a month · Average wait: 93 months(203) 729-8214
66 Prospect ST66 Prospect St, Naugatuck6 low-income homes · In service since 1988
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 Naugatuck Valley Planning Region; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Naugatuck or Naugatuck Valley Planning Region. The ones below are statewide in Connecticut: they work in Naugatuck the same as in the rest of the state.
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).
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.
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).
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 Naugatuck
HUD’s record names them for Naugatuck or Naugatuck Valley Planning Region. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.
Naugatuck Housing AuthorityPublic housing and Section 8 vouchers(203) 729-8214
No legal help resource on our list is for Naugatuck or Naugatuck Valley Planning Region in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
These cities are also in Naugatuck Valley Planning Region. They share its loan limits and fair market rents, but home values and rent change from one to the next.
Short answers with the numbers for Naugatuck and all of Naugatuck Valley 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 Naugatuck?
The typical home value in Naugatuck is $259,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Naugatuck Valley Planning Region it is $317,700.
How much does it cost to rent in Naugatuck?
Typical rent in Naugatuck is $1,369 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Naugatuck Valley Planning Region is $1,745.
What is the FHA loan limit in Naugatuck?
Naugatuck uses the FHA limit for all of Naugatuck Valley 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 Naugatuck?
The typical homeowner in Naugatuck pays $6,362 a year, according to the U.S. Census Bureau. That is 2.46% of the home’s value; in Naugatuck Valley Planning Region, the rate is 1.88%.
Where can I find free help to buy or rent in Naugatuck?
There is 1 HUD-approved counseling agency with an office in Naugatuck Valley Planning Region. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
