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City · 39,973 residents · Southeastern Connecticut Planning Region, Connecticut

Norwich , Connecticut

In Norwich, a typical home is worth $242,300 and typical rent is $1,253 a month. Compared with all of Southeastern Connecticut Planning Region, the typical home value is 25% lower, typical household income is 25% lower, and the share of households that own their home is 11 points lower.

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  • Typical home value

    $242,300

    25% below the planning region

    34% below Connecticut

    • Norwich
    • Southeastern Connecticut
    • Connecticut

  • Typical rent

    $1,253a month

    8% below the planning region

    16% below Connecticut

    • Norwich
    • Southeastern Connecticut
    • Connecticut

  • Typical household income

    $65,024a year

    25% below the planning region

    32% below Connecticut

    • Norwich
    • Southeastern Connecticut
    • Connecticut

  • Households that own their home

    54%

    11 points below the planning region

    13 points below Connecticut

    • Norwich
    • Southeastern Connecticut
    • Connecticut

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

Norwich is in Southeastern 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 Southeastern Connecticut Planning Region. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Norwich apart

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

  1. Nearby, in Willimantic, the typical home value is $190,900: 21% less than in Norwich ($242,300).

  2. The typical home in Norwich is worth $242,300, 25% less than in Southeastern Connecticut Planning Region as a whole ($323,400).

  3. The typical household income in Norwich is $65,024, 25% less than in Southeastern Connecticut Planning Region as a whole ($86,586).

  4. Nearby, in Willimantic, the typical rent is $1,063: 15% less than in Norwich ($1,253).

  5. 54% of households in Norwich own their home, against 65% in Southeastern Connecticut Planning Region.

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

The homes here

Housing in Norwich

What homes there are in Norwich, 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

Homes in Norwich are varied: detached houses are the largest group, at 43%, against 61% in Southeastern Connecticut Planning Region.

Year built

In Norwich, half of the homes were built before 1957; in Southeastern Connecticut Planning Region, before 1969.

Homes in Norwich are smaller: 47% have 3 bedrooms or more; in Southeastern Connecticut Planning Region, 58%.

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 FHA limit for Southeastern Connecticut Planning Region is high ($541,287): at least 95% of owner-occupied homes in Norwich are worth less than $500,000.

Monthly rent with utilities

About 87% of rented homes in Norwich cost less than HUD's 2-bedroom fair market rent for Southeastern Connecticut Planning Region ($1,902).

With a mortgage

$1,957 a month

Southeastern Connecticut Planning Region: $2,140 a month

Without a mortgage

$886 a month

Southeastern Connecticut Planning Region: $931 a month

Owners with a mortgage

58%

Southeastern Connecticut Planning Region: 61%

Owning costs less in Norwich: with a mortgage, the typical cost is $1,957 a month; in Southeastern Connecticut Planning Region, $2,140. Without one, $886.

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 Norwich rose 48%.

Since 2015–2019, the typical rent in Norwich rose 18%.

Housing prices ran ahead of income in Norwich: typical income rose 14%, against +48% for home values and +18% for rent.

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

MeasureNorwichSoutheastern Connecticut Planning RegionConnecticutUnited States
Rental vacancy 6.8%4.4%4.3%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room Unreliable estimate1.1%2.1%3.4%
People per household 2.322.322.462.53
Drive alone 76%76%69%69%
Carpool 12%7%8%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 7%12%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Norwich, the rental vacancy rate is 6.8%; in Southeastern Connecticut Planning Region, 4.4%.

By size, households in Norwich look like those in Southeastern Connecticut Planning Region: 2.32 people on average.

Carpooling is common in Norwich: 12% of workers get to work that way, against 7% in Southeastern Connecticut 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 Norwich?

A typical home costs more than the typical income allows

We start with a typical home in Norwich, worth $242,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Norwich, which is $65,024 a year. For that payment to be 28% of income, a household would need to earn about $94,780 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Norwich. 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 $8,481 (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

$2,212

at 7.18% · 30 years

Loan amount
$237,911
Total interest
$342,298
Paid off in
November 2056

Includes $4,092 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,517 a month

  • Tight

    $1,517 to $1,951 a month

  • Hard

    more than $1,951 a month

    Your payment · 41%

Compared with the typical household income in Norwich ($65,024 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,212
Principal & interest$1,612
Property tax$392
Home insurance$101
FHA mortgage insurance (MIP)$107

You need at least $8,481 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

Norwich and Southeastern Connecticut Planning Region

Norwich is in Southeastern 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).

Norwich's own numbers

Typical home value
$242,300
Typical monthly rent
$1,253
Typical yearly household income
$65,024
Households that own their home
54%
Effective property tax rate
1.94%

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

Numbers for all of Southeastern Connecticut Planning Region

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,902
Price change over 5 years (FHFA)
+65%
Homes in a high flood-risk zone
3.4%

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 Southeastern Connecticut Planning Region.

Everything about Southeastern Connecticut Planning Region

Buying

Buying a home in Norwich

A typical home in Norwich is worth $242,300: 25% below the planning region and 34% below Connecticut. With the typical household income in Norwich ($65,024 a year), a typical home costs 3.7 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.

  • Norwich 3.7 years
  • Southeastern Connecticut 3.7 years
  • Connecticut 3.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Southeastern Connecticut Planning Region

According to FHFA’s house price index, home prices in Southeastern Connecticut Planning Region rose 89% in the 10 years through 2025.

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

Period Region Connecticut U.S.
Last year (2025) +7.5% +6.1% +2.9%
5 years (2020–2025) +65% +62% +47%
10 years (2015–2025) +89% +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

Norwich next to Southeastern 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
  • Norwich $242,300
  • Southeastern Connecticut $323,400
  • Connecticut $366,900
  • United States $332,700
Typical monthly rent
  • Norwich $1,253
  • Southeastern Connecticut $1,365
  • Connecticut $1,488
  • United States $1,413
Typical yearly household income
  • Norwich $65,024
  • Southeastern Connecticut $86,586
  • Connecticut $95,781
  • United States $80,734
See the full table
Norwich next to Southeastern Connecticut Planning Region and Connecticut
Measure Norwich Southeastern Connecticut Planning Region Connecticut U.S.
Typical home value $242,300 $323,400 $366,900 $332,700
Typical monthly rent $1,253 $1,365 $1,488 $1,413
Typical yearly household income $65,024 $86,586 $95,781 $80,734
Households that own their home 54% 65% 66% 65%
Typical yearly property tax $4,703 $5,228 $6,643 $3,119
Effective property tax rate 1.94% 1.62% 1.81% 0.94%
Renters with high rent for their income 56% 51% 53% 51%

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

For a typical $242,300 home in Norwich, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Norwich's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,212a month

    Least cash to close
    Down payment
    $8,481
    Cash to close
    $15,750
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $107

  • Conventional, 5% down $2,167a month

    Down payment
    $12,115
    Cash to close
    $19,384
    Rate
    7.18%
    Mortgage insurance
    PMI · $115

  • Conventional, 20% down, no PMI $1,806a month

    Down payment
    $48,460
    Cash to close
    $55,729
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,030a month

    Down payment
    $36,345
    Cash to close
    $43,614
    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 Norwich and for Southeastern Connecticut Planning Region.

Property tax

Effective rate in Norwich

1.94%of the home’s value each year

$4,703 a year for the typical owner in Norwich.

  • Norwich 1.94%
  • Southeastern Connecticut 1.62%
  • 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 Southeastern Connecticut Planning Region

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

Homes in the high-risk zone
3.4%
2,728
Of those, with NFIP insurance
61%
Region Connecticut U.S.
Homes in the high-risk zone 3.4% 3.1% 3.5%
Of those, with NFIP insurance 61% 51% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Norwich

Typical rent in Norwich is $1,253 a month: 8% below the planning region. In Norwich, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Southeastern Connecticut Planning Region, by unit size. To pay the 2-bedroom one ($1,902 a month) without spending more than 30% of your income, you would need to earn $36.58 an hour working full time.

HUD fair market rent for all of Southeastern 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 $1,324 $25.46 $52,960
1 bedroom $1,518 $29.19 $60,720
2 bedrooms $1,902 $36.58 $76,080
3 bedrooms $2,418 $46.50 $96,720
4 bedrooms $2,995 $57.60 $119,800

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 Norwich

HUD lists 17 buildings with rents for lower incomes in Norwich. These are the largest.

  • Oakwood Knoll Norwich 06360 177 low-income homes · Run by Norwich Housing Authority · Average payment: $530 a month · Average wait: 63 months (860) 887-1605
  • Hamilton Park 281 Hamilton Ave, Norwich 06360 120 low-income homes · For older adults (860) 887-4912
  • Mohegan Commons 90 North St, Norwich 06360 183 homes, 88 low-income · For families (860) 886-4088
  • Village Court 70 Mechanic St, Norwich 06360 75 low-income homes · For older adults (860) 887-7805
  • Hedgewood Apts 101 Sandy Ln, Norwich 100 homes, 72 low-income · 1 bd: 8 · 2 bd: 84 · 3 bd: 8

See all 62 buildings in Southeastern Connecticut Planning Region Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Norwich

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 Southeastern Connecticut Planning Region; none says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Norwich

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

Which programs do I qualify for? All programs in Connecticut

Housing counselors near Norwich

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

  • New London Homeless Hospitality Center

    727 Bank St, New London · 14 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 3 more
    (860) 501-9900

  • NSC (naca Counseling Subsidiary) - Hartford CT

    241 Main St Fl 1, Hartford · 34 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 · 34 miles away

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

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

Help in Spanish near Norwich

1 of the 3 agencies on this list says it serves 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 Norwich

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

  • Norwich Housing Authority Public housing and Section 8 vouchers (860) 887-1605

2 other authorities have an office in Southeastern Connecticut Planning Region: see the list Source: HUD

Cities

Other cities in Southeastern Connecticut Planning Region

These cities are also in Southeastern 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 Southeastern Connecticut Planning Region Housing in Connecticut

Nearby cities

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

Neighboring counties

If Southeastern 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 Norwich.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Norwich

Short answers with the numbers for Norwich and all of Southeastern 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 Norwich?

The typical home value in Norwich is $242,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Southeastern Connecticut Planning Region it is $323,400.

How much does it cost to rent in Norwich?

Typical rent in Norwich is $1,253 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Southeastern Connecticut Planning Region is $1,902.

What is the FHA loan limit in Norwich?

Norwich uses the FHA limit for all of Southeastern 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 Norwich?

The typical homeowner in Norwich pays $4,703 a year, according to the U.S. Census Bureau. That is 1.94% of the home’s value; in Southeastern Connecticut Planning Region, the rate is 1.62%.

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

There is 1 HUD-approved counseling agency with an office in Southeastern Connecticut Planning Region. 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).