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City · 6,198 residents · Capitol Planning Region, Connecticut

Simsbury Center , Connecticut

In Simsbury Center, a typical home is worth $412,800 and typical rent is $2,360 a month. Compared with all of Capitol Planning Region, typical rent is 67% higher and typical household income is 48% higher.

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  • Typical home value

    $412,800

    28% above the planning region

    13% above Connecticut

    • Simsbury Center
    • Capitol
    • Connecticut

  • Typical rent

    $2,360a month

    67% above the planning region

    59% above Connecticut

    • Simsbury Center
    • Capitol
    • Connecticut

  • Typical household income

    $138,242a year

    48% above the planning region

    44% above Connecticut

    • Simsbury Center
    • Capitol
    • Connecticut

  • Households that own their home

    67%

    1 points above the planning region

    1 points above Connecticut

    • Simsbury Center
    • Capitol
    • Connecticut

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

Simsbury Center 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 Simsbury Center apart

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

  1. Simsbury Center has the smallest share of rent-burdened renters of the 60 cities in Connecticut with more than 5,000 people: 34%.

  2. The typical rent in Simsbury Center is $2,360 a month, 67% more than in Capitol Planning Region as a whole ($1,411).

  3. Nearby, in East Hartford, the typical rent is $1,225: 48% less than in Simsbury Center ($2,360).

  4. Nearby, in Hartford, the typical home value is $228,600: 45% less than in Simsbury Center ($412,800).

  5. The typical household income in Simsbury Center is $138,242, 48% more than in Capitol Planning Region as a whole ($93,394).

  6. The typical home in Simsbury Center is worth $412,800, 28% more than in Capitol Planning Region as a whole ($323,700).

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

The homes here

Housing in Simsbury Center

What homes there are in Simsbury Center, 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 houses, standing on their own, make up 65% of homes here, against 57% in Capitol Planning Region.

Year built

The typical home in Simsbury Center was built in 1973, 7 years after the typical one 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
Monthly rent with utilities

With a mortgage

$2,656 a month

Capitol Planning Region: $2,284 a month

Without a mortgage

$1,247 a month

Capitol Planning Region: $1,027 a month

Owners with a mortgage

63%

Capitol Planning Region: 65%

The typical cost for an owner with a mortgage in Simsbury Center is $2,656 a month, more than in Capitol Planning Region ($2,284); without one, $1,247.

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 Simsbury Center rose 37%.

The typical rent in Simsbury Center rose 58% from 2015–2019 to 2020–2024.

Here income did not keep up with housing: it rose 21%, while home values changed +37% and rent +58%.

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

MeasureSimsbury CenterCapitol Planning RegionConnecticutUnited States
Rental vacancy Unreliable estimate4.8%4.3%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room Unreliable estimate1.9%2.1%3.4%
People per household 2.332.412.462.53
Drive alone 57%70%69%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimate3%3%3%
Walk or bike 5%2%3%3%
Work from home 28%17%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Simsbury Center look like those in Capitol Planning Region: 2.33 people on average.

Many people here do not commute at all: 28% work from home; in Capitol Planning Region, 17%.

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 Simsbury Center?

A typical home is tight for the typical income

We start with a typical home in Simsbury Center, worth $412,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Simsbury Center, which is $138,242 a year. For that payment to be 28% of income, a household would need to earn about $162,949 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 Simsbury Center. 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 $14,448 (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

$3,802

at 7.18% · 30 years

Loan amount
$405,323
Total interest
$583,165
Paid off in
November 2056

Includes $6,971 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,226 a month

  • Tight

    $3,226 to $4,147 a month

    Your payment · 33%

  • Hard

    more than $4,147 a month

Compared with the typical household income in Simsbury Center ($138,242 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,802
Principal & interest$2,746
Property tax$702
Home insurance$172
FHA mortgage insurance (MIP)$183

You need at least $14,448 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

Simsbury Center and Capitol Planning Region

Simsbury Center 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).

Simsbury Center's own numbers

Typical home value
$412,800
Typical monthly rent
$2,360
Typical yearly household income
$138,242
Households that own their home
67%
Effective property tax rate
2.04%

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 Simsbury Center

A typical home in Simsbury Center is worth $412,800: 28% above the planning region and 13% above Connecticut. With the typical household income in Simsbury Center ($138,242 a year), a typical home costs 3.0 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.

  • Simsbury Center 3.0 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

Simsbury Center 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
  • Simsbury Center $412,800
  • Capitol $323,700
  • Connecticut $366,900
  • United States $332,700
Typical monthly rent
  • Simsbury Center $2,360
  • Capitol $1,411
  • Connecticut $1,488
  • United States $1,413
Typical yearly household income
  • Simsbury Center $138,242
  • Capitol $93,394
  • Connecticut $95,781
  • United States $80,734
See the full table
Simsbury Center next to Capitol Planning Region and Connecticut
Measure Simsbury Center Capitol Planning Region Connecticut U.S.
Typical home value $412,800 $323,700 $366,900 $332,700
Typical monthly rent $2,360 $1,411 $1,488 $1,413
Typical yearly household income $138,242 $93,394 $95,781 $80,734
Households that own their home 67% 66% 66% 65%
Typical yearly property tax $8,417 $6,454 $6,643 $3,119
Effective property tax rate 2.04% 1.99% 1.81% 0.94%
Renters with high rent for their income 34% 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 Simsbury Center

For a typical $412,800 home in Simsbury Center, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Simsbury Center's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,802a month

    Least cash to close
    Down payment
    $14,448
    Cash to close
    $26,832
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $183

  • Conventional, 5% down $3,726a month

    Down payment
    $20,640
    Cash to close
    $33,024
    Rate
    7.18%
    Mortgage insurance
    PMI · $196

  • Conventional, 20% down, no PMI $3,111a month

    Down payment
    $82,560
    Cash to close
    $94,944
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,493a month

    Down payment
    $61,920
    Cash to close
    $74,304
    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 Simsbury Center and for Capitol Planning Region.

Property tax

Effective rate in Simsbury Center

2.04%of the home’s value each year

$8,417 a year for the typical owner in Simsbury Center.

  • Simsbury Center 2.04%
  • 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 Simsbury Center

Typical rent in Simsbury Center is $2,360 a month: 67% above the planning region. In Simsbury Center, 34% 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

Free help

Help to buy or rent in Simsbury Center

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

HUD counseling is free or low-cost

Assistance programs in Simsbury Center

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

Which programs do I qualify for? All programs in Connecticut

Housing counselors near Simsbury Center

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

  • Urban League of Greater Hartford, Inc.

    140 Woodland St, Hartford · 9 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (860) 527-0147

  • Mutual Housing Association of Greater Hartford, Inc.

    95 Niles St, Hartford · 9 miles away · Spanish

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

  • Community Renewal Team, Inc.

    330 Market St, Hartford · 10 miles away

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

Every agency in Capitol Planning Region All counseling agencies in Connecticut

Help in Spanish near Simsbury Center

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 Simsbury Center

In HUD’s record, no housing authority with an office in Capitol Planning Region is named for Simsbury Center or Capitol Planning Region.

19 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 Simsbury Center, 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 Simsbury Center.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Simsbury Center

Short answers with the numbers for Simsbury Center 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 Simsbury Center?

The typical home value in Simsbury Center is $412,800, 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 Simsbury Center?

Typical rent in Simsbury Center is $2,360 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 Simsbury Center?

Simsbury Center 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 Simsbury Center?

The typical homeowner in Simsbury Center pays $8,417 a year, according to the U.S. Census Bureau. That is 2.04% 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 Simsbury Center?

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).