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City · 137,144 residents · Western Connecticut Planning Region, Connecticut

Stamford , Connecticut

In Stamford, a typical home is worth $624,400 and typical rent is $2,276 a month. Compared with all of Western Connecticut Planning Region, typical household income is 13% lower, typical rent is 8% higher, and the share of households that own their home is 18 points lower.

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  • Typical home value

    $624,400

    4% below the planning region

    70% above Connecticut

    • Stamford
    • Western Connecticut
    • Connecticut

  • Typical rent

    $2,276a month

    8% above the planning region

    53% above Connecticut

    • Stamford
    • Western Connecticut
    • Connecticut

  • Typical household income

    $111,586a year

    13% below the planning region

    17% above Connecticut

    • Stamford
    • Western Connecticut
    • Connecticut

  • Households that own their home

    49%

    18 points below the planning region

    18 points below Connecticut

    • Stamford
    • Western Connecticut
    • Connecticut

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

Stamford is in Western Connecticut Planning Region. The FHA loan limit ($977,500 for a one-unit home), the fair market rents and the help on this page are those of all of Western Connecticut Planning Region. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Stamford apart

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

  1. 49% of households in Stamford own their home, against 66% in Western Connecticut Planning Region.

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

The homes here

Housing in Stamford

What homes there are in Stamford, 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

In Stamford, the apartment is the most common kind of home: 44%, against 23% in Western Connecticut Planning Region.

Year built

By age, homes in Stamford look like those in Western Connecticut Planning Region: the typical year built is 1973.

In Stamford, 27% of homes have 1 bedroom or none (studios); 42% have 3 bedrooms or more, against 60% in Western Connecticut 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

About 84% of owner-occupied homes in Stamford are worth less than the FHA loan limit for Western Connecticut Planning Region ($977,500).

Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($2,399), about 55% of rented homes in Stamford cost less.

With a mortgage

$3,460 a month

Western Connecticut Planning Region: $3,494 a month

Without a mortgage

$1,450 a month

Western Connecticut Planning Region: $1,431 a month

Owners with a mortgage

66%

Western Connecticut Planning Region: 67%

In Stamford, 66% of owners have a mortgage; their typical cost is $3,460 a month, about the same as in Western Connecticut Planning Region.

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 Stamford rose 17%.

The typical rent in Stamford rose 26% from 2015–2019 to 2020–2024.

To compare: typical income in Stamford rose 20%; the home, +17%; the rent, +26%.

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

MeasureStamfordWestern Connecticut Planning RegionConnecticutUnited States
Rental vacancy 3.7%3.8%4.3%5.5%
Homeowner vacancy Unreliable estimate1.1%0.8%0.9%
More than one person per room 5.0%2.7%2.1%3.4%
People per household 2.452.632.462.53
Drive alone 56%59%69%69%
Carpool 9%8%8%9%
Public transit 10%7%3%3%
Walk or bike 5%3%3%3%
Work from home 19%22%16%15%
Other means 1%1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Stamford, the rental vacancy rate is 3.7%, about the same as in Western Connecticut Planning Region.

More households are short on space in Stamford: 5.0% have more than one person per room; in Western Connecticut Planning Region, 2.7%.

On average, a household in Stamford has 2.45 people, fewer than in Western Connecticut Planning Region (2.63).

The car rules in Stamford: 56% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 Stamford?

A typical home costs more than the typical income allows

We start with a typical home in Stamford, worth $624,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 59% of the typical household income in Stamford, which is $111,586 a year. For that payment to be 28% of income, a household would need to earn about $234,211 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Stamford. 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 $21,854 (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

$5,465

at 7.18% · 30 years

Loan amount
$613,091
Total interest
$882,093
Paid off in
November 2056

Includes $10,545 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,604 a month

  • Tight

    $2,604 to $3,348 a month

  • Hard

    more than $3,348 a month

    Your payment · 59%

Compared with the typical household income in Stamford ($111,586 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,465
Principal & interest$4,153
Property tax$775
Home insurance$260
FHA mortgage insurance (MIP)$276

You need at least $21,854 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

Stamford and Western Connecticut Planning Region

Stamford is in Western 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).

Stamford's own numbers

Typical home value
$624,400
Typical monthly rent
$2,276
Typical yearly household income
$111,586
Households that own their home
49%
Effective property tax rate
1.49%

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

Numbers for all of Western Connecticut Planning Region

FHA limit, one-unit home
$977,500
Conventional limit, one unit
$977,500
HUD fair market rent, 2 bedrooms
$2,399
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
3.9%

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 Western Connecticut Planning Region.

Everything about Western Connecticut Planning Region

Buying

Buying a home in Stamford

A typical home in Stamford is worth $624,400: 4% below the planning region and 70% above Connecticut. With the typical household income in Stamford ($111,586 a year), a typical home costs 5.6 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.

  • Stamford 5.6 years
  • Western Connecticut 5.1 years
  • Connecticut 3.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Western Connecticut Planning Region

According to FHFA’s house price index, home prices in Western Connecticut Planning Region rose 65% in the 10 years through 2025.

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

Period Region Connecticut U.S.
Last year (2025) +5.8% +6.1% +2.9%
5 years (2020–2025) +56% +62% +47%
10 years (2015–2025) +65% +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

Stamford next to Western 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
  • Stamford $624,400
  • Western Connecticut $652,900
  • Connecticut $366,900
  • United States $332,700
Typical monthly rent
  • Stamford $2,276
  • Western Connecticut $2,110
  • Connecticut $1,488
  • United States $1,413
Typical yearly household income
  • Stamford $111,586
  • Western Connecticut $128,188
  • Connecticut $95,781
  • United States $80,734
See the full table
Stamford next to Western Connecticut Planning Region and Connecticut
Measure Stamford Western Connecticut Planning Region Connecticut U.S.
Typical home value $624,400 $652,900 $366,900 $332,700
Typical monthly rent $2,276 $2,110 $1,488 $1,413
Typical yearly household income $111,586 $128,188 $95,781 $80,734
Households that own their home 49% 66% 66% 65%
Typical yearly property tax $9,314 $9,295 $6,643 $3,119
Effective property tax rate 1.49% 1.42% 1.81% 0.94%
Renters with high rent for their income 53% 53% 53% 51%

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

For a typical $624,400 home in Stamford, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Stamford's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,465a month

    Least cash to close
    Down payment
    $21,854
    Cash to close
    $40,586
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $276

  • Conventional, 5% down $5,350a month

    Down payment
    $31,220
    Cash to close
    $49,952
    Rate
    7.18%
    Mortgage insurance
    PMI · $297

  • Conventional, 20% down, no PMI $4,419a month

    Down payment
    $124,880
    Cash to close
    $143,612
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,997a month

    Down payment
    $93,660
    Cash to close
    $112,392
    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 Stamford and for Western Connecticut Planning Region.

Property tax

Effective rate in Stamford

1.49%of the home’s value each year

$9,314 a year for the typical owner in Stamford.

  • Stamford 1.49%
  • Western Connecticut 1.42%
  • 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 Western Connecticut Planning Region

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

Homes in the high-risk zone
3.9%
6,453
Of those, with NFIP insurance
57%
Region Connecticut U.S.
Homes in the high-risk zone 3.9% 3.1% 3.5%
Of those, with NFIP insurance 57% 51% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Stamford

Typical rent in Stamford is $2,276 a month: 8% above the planning region. In Stamford, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Western Connecticut Planning Region, by unit size. To pay the 2-bedroom one ($2,399 a month) without spending more than 30% of your income, you would need to earn $46.13 an hour working full time.

HUD fair market rent for all of Western 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 $1,671 $32.13 $66,840
1 bedroom $2,071 $39.83 $82,840
2 bedrooms $2,399 $46.13 $95,960
3 bedrooms $2,878 $55.35 $115,120
4 bedrooms $3,573 $68.71 $142,920

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 Stamford

HUD lists 54 buildings with rents for lower incomes in Stamford. These are the largest.

  • Stamford Manor 26 W Main St, Stamford 06902 215 low-income homes · Run by Housing Authority of the City of Stamford · Average payment: $401 a month · Average wait: 13 months (203) 977-1400
  • Bayview Towers 300 Tresser Blvd, Stamford 200 homes, 190 low-income · 1 bd: 40 · 2 bd: 120 · 3 bd: 32 · 4 bd: 8 · In service since 2012 · For families
  • Shippan Place 521 Shippan Ave, Stamford 06902 148 low-income homes · For older adults (203) 324-0734
  • Friendship House 28 Perry St, Stamford 121 low-income homes · 1 bd: 25 · 2 bd: 72 · 3 bd: 24 · In service since 2010 · For families
  • Augustus Manor 101 Main St, Stamford 06901 105 low-income homes · For older adults (203) 357-1281

See all 142 buildings in Western Connecticut Planning Region Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Stamford

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 Western Connecticut Planning Region; 1 says it serves in Spanish.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Stamford

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

Which programs do I qualify for? All programs in Connecticut

Housing counselors near Stamford

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

  • Housing Development Fund, Inc

    100 Prospect St, Stamford · 2 miles away · Spanish

    Also serves in Portuguese.

    • Pre-purchase counseling
    • Homebuyer education workshops
    203-969-1830-1010

  • Building Neighborhoods Together, Inc.

    570 State St, Bridgeport · 19 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (203) 290-4255

  • Neighborhood Housing Services of New Haven

    333 Sherman Ave, New Haven · 35 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (203) 562-0598

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

Help in Spanish near Stamford

3 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 Stamford

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

  • Housing Authority of the City of Stamford Public housing and Section 8 vouchers (203) 977-1400

3 other authorities have an office in Western Connecticut Planning Region: see the list Source: HUD

Cities

Other cities in Western Connecticut Planning Region

These cities are also in Western 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 Western Connecticut Planning Region Housing in Connecticut
See 1 more city in Western Connecticut Planning Region, with its price and rent

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

Nearby cities

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

Neighboring counties

If Western 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 Stamford.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Stamford

Short answers with the numbers for Stamford and all of Western 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 Stamford?

The typical home value in Stamford is $624,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Western Connecticut Planning Region it is $652,900.

How much does it cost to rent in Stamford?

Typical rent in Stamford is $2,276 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Western Connecticut Planning Region is $2,399.

What is the FHA loan limit in Stamford?

Stamford uses the FHA limit for all of Western Connecticut Planning Region (2026): $977,500 for a one-unit home and $1,879,850 for a four-unit home.

How much property tax do owners pay in Stamford?

The typical homeowner in Stamford pays $9,314 a year, according to the U.S. Census Bureau. That is 1.49% of the home’s value; in Western Connecticut Planning Region, the rate is 1.42%.

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

There is 1 HUD-approved counseling agency with an office in Western Connecticut Planning Region. 1 says it serves 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).