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City · 6,186 residents · South Central Connecticut Planning Region, Connecticut

Northford , Connecticut

In Northford, a typical home is worth $403,800 and typical rent is $1,408 a month. Compared with all of South Central Connecticut Planning Region, typical household income is 19% higher, the typical home value is 14% higher, and the share of households that own their home is 30 points higher.

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  • Typical home value

    $403,800

    14% above the planning region

    10% above Connecticut

    • Northford
    • South Central Connecticut
    • Connecticut

  • Typical rent

    $1,408a month

    8% below the planning region

    5% below Connecticut

    • Northford
    • South Central Connecticut
    • Connecticut

  • Typical household income

    $105,174a year

    19% above the planning region

    10% above Connecticut

    • Northford
    • South Central Connecticut
    • Connecticut

  • Households that own their home

    90%

    30 points above the planning region

    24 points above Connecticut

    • Northford
    • South Central Connecticut
    • Connecticut

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

Northford is in South Central Connecticut 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 South Central Connecticut Planning Region. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Northford apart

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

  1. 90% of households in Northford own their home, against 61% in South Central Connecticut Planning Region.

  2. Nearby, in New Haven, the typical home value is $287,100: 29% less than in Northford ($403,800).

  3. The typical household income in Northford is $105,174, 19% more than in South Central Connecticut Planning Region as a whole ($88,197).

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

The homes here

Housing in Northford

What homes there are in Northford, 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 Northford: 89% of homes, more than in South Central Connecticut Planning Region (53%).

Year built

Homes in Northford are newer: the typical year built is 1977; in South Central Connecticut Planning Region, 1964.

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

With a mortgage

$2,432 a month

South Central Connecticut Planning Region: $2,377 a month

Without a mortgage

$1,019 a month

South Central Connecticut Planning Region: $1,107 a month

Owners with a mortgage

60%

South Central Connecticut Planning Region: 65%

The typical cost for an owner with a mortgage in Northford is $2,432 a month, near the figure in South Central Connecticut Planning Region ($2,377).

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 boundaries of Northford changed since 2015–2019, so the Census does not compare its figures from then and now.

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

MeasureNorthfordSouth Central Connecticut Planning RegionConnecticutUnited States
Rental vacancy Unreliable estimate4.5%4.3%5.5%
Homeowner vacancy Unreliable estimate0.5%0.8%0.9%
More than one person per room Unreliable estimate2.6%2.1%3.4%
People per household 2.732.382.462.53
Drive alone 79%69%69%69%
Carpool 9%7%8%9%
Public transit Unreliable estimate3%3%3%
Walk or bike Unreliable estimate5%3%3%
Work from home Unreliable estimate14%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.73 on average, against 2.38 in South Central Connecticut Planning Region.

In Northford, 79% of workers drive alone to work; in South Central Connecticut Planning Region, 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

Do the math

What would you pay each month for a home in Northford?

A typical home costs more than the typical income allows

We start with a typical home in Northford, worth $403,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Northford, which is $105,174 a year. For that payment to be 28% of income, a household would need to earn about $156,079 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Northford. 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 $14,133 (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

$3,642

at 7.18% · 30 years

Loan amount
$396,486
Total interest
$570,451
Paid off in
November 2056

Includes $6,819 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,454 a month

  • Tight

    $2,454 to $3,155 a month

  • Hard

    more than $3,155 a month

    Your payment · 42%

Compared with the typical household income in Northford ($105,174 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,642
Principal & interest$2,686
Property tax$609
Home insurance$168
FHA mortgage insurance (MIP)$179

You need at least $14,133 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

Northford and South Central Connecticut Planning Region

Northford is in South Central 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).

Northford's own numbers

Typical home value
$403,800
Typical monthly rent
$1,408
Typical yearly household income
$105,174
Households that own their home
90%
Effective property tax rate
1.81%

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

Numbers for all of South Central Connecticut Planning Region

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,091
Price change over 5 years (FHFA)
+61%
Homes in a high flood-risk zone
4.9%

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 South Central Connecticut Planning Region.

Everything about South Central Connecticut Planning Region

Buying

Buying a home in Northford

A typical home in Northford is worth $403,800: 14% above the planning region and 10% above Connecticut. With the typical household income in Northford ($105,174 a year), a typical home costs 3.8 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.

  • Northford 3.8 years
  • South Central Connecticut 4.0 years
  • Connecticut 3.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in South Central Connecticut Planning Region

According to FHFA’s house price index, home prices in South Central Connecticut Planning Region rose 76% in the 10 years through 2025.

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

Period Region Connecticut U.S.
Last year (2025) +6.3% +6.1% +2.9%
5 years (2020–2025) +61% +62% +47%
10 years (2015–2025) +76% +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

Northford next to South Central 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
  • Northford $403,800
  • South Central Connecticut $353,100
  • Connecticut $366,900
  • United States $332,700
Typical monthly rent
  • Northford $1,408
  • South Central Connecticut $1,525
  • Connecticut $1,488
  • United States $1,413
Typical yearly household income
  • Northford $105,174
  • South Central Connecticut $88,197
  • Connecticut $95,781
  • United States $80,734
See the full table
Northford next to South Central Connecticut Planning Region and Connecticut
Measure Northford South Central Connecticut Planning Region Connecticut U.S.
Typical home value $403,800 $353,100 $366,900 $332,700
Typical monthly rent $1,408 $1,525 $1,488 $1,413
Typical yearly household income $105,174 $88,197 $95,781 $80,734
Households that own their home 90% 61% 66% 65%
Typical yearly property tax $7,302 $6,759 $6,643 $3,119
Effective property tax rate 1.81% 1.91% 1.81% 0.94%

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

For a typical $403,800 home in Northford, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Northford's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,642a month

    Least cash to close
    Down payment
    $14,133
    Cash to close
    $26,247
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $179

  • Conventional, 5% down $3,568a month

    Down payment
    $20,190
    Cash to close
    $32,304
    Rate
    7.18%
    Mortgage insurance
    PMI · $192

  • Conventional, 20% down, no PMI $2,966a month

    Down payment
    $80,760
    Cash to close
    $92,874
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,339a month

    Down payment
    $60,570
    Cash to close
    $72,684
    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 Northford and for South Central Connecticut Planning Region.

Property tax

Effective rate in Northford

1.81%of the home’s value each year

$7,302 a year for the typical owner in Northford.

  • Northford 1.81%
  • South Central Connecticut 1.91%
  • 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 South Central Connecticut Planning Region

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

Homes in the high-risk zone
4.9%
7,427
Of those, with NFIP insurance
52%
Region Connecticut U.S.
Homes in the high-risk zone 4.9% 3.1% 3.5%
Of those, with NFIP insurance 52% 51% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Northford

Typical rent in Northford is $1,408 a month: 8% below the planning region.

HUD publishes a fair market rent for all of South Central Connecticut Planning Region, by unit size. To pay the 2-bedroom one ($2,091 a month) without spending more than 30% of your income, you would need to earn $40.21 an hour working full time.

HUD fair market rent for all of South Central 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 $1,609 $30.94 $64,360
1 bedroom $1,743 $33.52 $69,720
2 bedrooms $2,091 $40.21 $83,640
3 bedrooms $2,602 $50.04 $104,080
4 bedrooms $2,935 $56.44 $117,400

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 Northford

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 4 HUD-approved agencies with an office in South Central Connecticut Planning Region; 3 say they serve in Spanish.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Northford

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

Which programs do I qualify for? All programs in Connecticut

Housing counselors near Northford

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

  • Capital for Change, Inc. (housing Counseling Office)

    10 Alexander Dr, Wallingford · 6 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (203) 624-7406

  • Mutual Housing Association of South Central Ct, Inc. DBA Neighborworks New Horizons

    235 Grand Ave, New Haven · 8 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 4 more
    (203) 562-4514

  • Urban League of Southern Connecticut

    10 Wintergreen Ave, New Haven · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (203) 327-5810

Every agency in South Central Connecticut Planning Region All counseling agencies in Connecticut

Help in Spanish near Northford

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 Northford

In HUD’s record, no housing authority with an office in South Central Connecticut Planning Region is named for Northford or South Central Connecticut Planning Region.

7 other authorities have an office in South Central Connecticut Planning Region: see the list Source: HUD

Cities

Other cities in South Central Connecticut Planning Region

These cities are also in South Central 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 South Central Connecticut Planning Region Housing in Connecticut

Nearby cities

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

Neighboring counties

If South Central 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 Northford.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Northford

Short answers with the numbers for Northford and all of South Central 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 Northford?

The typical home value in Northford is $403,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in South Central Connecticut Planning Region it is $353,100.

How much does it cost to rent in Northford?

Typical rent in Northford is $1,408 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in South Central Connecticut Planning Region is $2,091.

What is the FHA loan limit in Northford?

Northford uses the FHA limit for all of South Central Connecticut 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 Northford?

The typical homeowner in Northford pays $7,302 a year, according to the U.S. Census Bureau. That is 1.81% of the home’s value; in South Central Connecticut Planning Region, the rate is 1.91%.

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

There are 4 HUD-approved counseling agencies with an office in South Central Connecticut 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).