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City · 35,547 residents · Northwest Hills Planning Region, Connecticut

Torrington , Connecticut

In Torrington, a typical home is worth $215,500 and typical rent is $1,169 a month. Compared with all of Northwest Hills Planning Region, the typical home value is 36% lower, typical household income is 24% lower, and the share of households that own their home is 10 points lower.

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  • Typical home value

    $215,500

    36% below the planning region

    41% below Connecticut

    • Torrington
    • Northwest Hills
    • Connecticut

  • Typical rent

    $1,169a month

    2% below the planning region

    21% below Connecticut

    • Torrington
    • Northwest Hills
    • Connecticut

  • Typical household income

    $70,856a year

    24% below the planning region

    26% below Connecticut

    • Torrington
    • Northwest Hills
    • Connecticut

  • Households that own their home

    66%

    10 points below the planning region

    About the same as Connecticut

    • Torrington
    • Northwest Hills
    • Connecticut

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

Torrington is in Northwest Hills 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 Northwest Hills Planning Region. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Torrington apart

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

  1. Torrington has the 3rd lowest typical home value of the 65 cities in Connecticut with more than 5,000 people ($215,500).

  2. The typical household income in Torrington is $70,856, 24% less than in Northwest Hills Planning Region as a whole ($93,551).

  3. 66% of households in Torrington own their home, against 76% in Northwest Hills Planning Region.

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

The homes here

Housing in Torrington

What homes there are in Torrington, 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 are the majority in Torrington (57%), but less so than in Northwest Hills Planning Region (75%).

Year built

Homes in Torrington are older: the typical year built is 1960; in Northwest Hills Planning Region, 1967.

In Torrington, 15% of homes have 1 bedroom or none (studios); 52% have 3 bedrooms or more, against 65% in Northwest Hills 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 96% of owner-occupied homes in Torrington are worth less than the FHA loan limit for Northwest Hills Planning Region ($541,287).

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Northwest Hills Planning Region is $1,560; about 78% of rents in Torrington are below it.

With a mortgage

$1,775 a month

Northwest Hills Planning Region: $2,155 a month

Without a mortgage

$898 a month

Northwest Hills Planning Region: $965 a month

Owners with a mortgage

63%

Northwest Hills Planning Region: 62%

Owning costs less in Torrington: with a mortgage, the typical cost is $1,775 a month; in Northwest Hills Planning Region, $2,155. Without one, $898.

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 typical home value in Torrington rose 40% from 2015–2019 to 2020–2024.

Since 2015–2019, the typical rent in Torrington rose 23%.

The typical household income in Torrington rose 12%: less than home values (+40%) and rent (+23%).

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

MeasureTorringtonNorthwest Hills Planning RegionConnecticutUnited States
Rental vacancy Unreliable estimate3.1%4.3%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.0%2.1%3.4%
People per household 2.262.322.462.53
Drive alone 77%72%69%69%
Carpool 11%7%8%9%
Public transit Unreliable estimate1%3%3%
Walk or bike 3%4%3%3%
Work from home 9%15%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Torrington has 2.26 people on average, about the same as in Northwest Hills Planning Region (2.32).

Carpooling is common in Torrington: 11% of workers get to work that way, against 7% in Northwest Hills 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 Torrington?

A typical home is tight for the typical income

We start with a typical home in Torrington, worth $215,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Torrington, which is $70,856 a year. For that payment to be 28% of income, a household would need to earn about $87,375 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Torrington. 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 $7,543 (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

$2,039

at 7.18% · 30 years

Loan amount
$211,596
Total interest
$304,437
Paid off in
November 2056

Includes $3,639 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,653 a month

  • Tight

    $1,653 to $2,126 a month

    Your payment · 35%

  • Hard

    more than $2,126 a month

Compared with the typical household income in Torrington ($70,856 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,039
Principal & interest$1,433
Property tax$420
Home insurance$90
FHA mortgage insurance (MIP)$95

You need at least $7,543 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

Torrington and Northwest Hills Planning Region

Torrington is in Northwest Hills 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).

Torrington's own numbers

Typical home value
$215,500
Typical monthly rent
$1,169
Typical yearly household income
$70,856
Households that own their home
66%
Effective property tax rate
2.34%

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

Numbers for all of Northwest Hills Planning Region

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,560
Price change over 5 years (FHFA)
+65%
Homes in a high flood-risk zone
0.1%

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 Northwest Hills Planning Region.

Everything about Northwest Hills Planning Region

Buying

Buying a home in Torrington

A typical home in Torrington is worth $215,500: 36% below the planning region and 41% below Connecticut. With the typical household income in Torrington ($70,856 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.

  • Torrington 3.0 years
  • Northwest Hills 3.6 years
  • Connecticut 3.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Northwest Hills Planning Region

According to FHFA’s house price index, home prices in Northwest Hills 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 Northwest Hills Planning Region.

Period Region Connecticut U.S.
Last year (2025) +6.8% +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

Torrington next to Northwest Hills 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
  • Torrington $215,500
  • Northwest Hills $335,600
  • Connecticut $366,900
  • United States $332,700
Typical monthly rent
  • Torrington $1,169
  • Northwest Hills $1,193
  • Connecticut $1,488
  • United States $1,413
Typical yearly household income
  • Torrington $70,856
  • Northwest Hills $93,551
  • Connecticut $95,781
  • United States $80,734
See the full table
Torrington next to Northwest Hills Planning Region and Connecticut
Measure Torrington Northwest Hills Planning Region Connecticut U.S.
Typical home value $215,500 $335,600 $366,900 $332,700
Typical monthly rent $1,169 $1,193 $1,488 $1,413
Typical yearly household income $70,856 $93,551 $95,781 $80,734
Households that own their home 66% 76% 66% 65%
Typical yearly property tax $5,042 $5,593 $6,643 $3,119
Effective property tax rate 2.34% 1.67% 1.81% 0.94%
Renters with high rent for their income 48% 44% 53% 51%

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

For a typical $215,500 home in Torrington, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Torrington's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,039a month

    Least cash to close
    Down payment
    $7,543
    Cash to close
    $14,008
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $95

  • Conventional, 5% down $1,999a month

    Down payment
    $10,775
    Cash to close
    $17,240
    Rate
    7.18%
    Mortgage insurance
    PMI · $102

  • Conventional, 20% down, no PMI $1,678a month

    Down payment
    $43,100
    Cash to close
    $49,565
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,877a month

    Down payment
    $32,325
    Cash to close
    $38,790
    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 Torrington and for Northwest Hills Planning Region.

Property tax

Effective rate in Torrington

2.34%of the home’s value each year

$5,042 a year for the typical owner in Torrington.

  • Torrington 2.34%
  • Northwest Hills 1.67%
  • 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 Northwest Hills Planning Region

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

Homes in the high-risk zone
0.1%
34
Of those, with NFIP insurance
—
Region Connecticut U.S.
Homes in the high-risk zone 0.1% 3.1% 3.5%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Torrington

Typical rent in Torrington is $1,169 a month: 2% below the planning region. In Torrington, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Northwest Hills Planning Region, by unit size. To pay the 2-bedroom one ($1,560 a month) without spending more than 30% of your income, you would need to earn $30.00 an hour working full time.

HUD fair market rent for all of Northwest Hills 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 $1,086 $20.88 $43,440
1 bedroom $1,280 $24.62 $51,200
2 bedrooms $1,560 $30.00 $62,400
3 bedrooms $2,061 $39.63 $82,440
4 bedrooms $2,359 $45.37 $94,360

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 Torrington

HUD lists 14 buildings with rents for lower incomes in Torrington. These are the largest.

  • Torrington Towers Torrington 06790 200 low-income homes · Run by Torrington Housing Authority · Average payment: $442 a month · Average wait: 17 months (860) 482-3581
  • Woodland Hills Apts 330 Highland Ave, Torrington 176 low-income homes · 1 bd: 24 · 2 bd: 108 · 3 bd: 44 · In service since 2004 · For families
  • Woodland Hills Apts 330 Highland Ave, Torrington 06790 176 low-income homes · For families (860) 496-1606
  • Michael R. Koury Terrace Torrington 06790 100 low-income homes · Run by Torrington Housing Authority · Average payment: $463 a month · Average wait: 27 months (860) 482-3581
  • Torringford West 356 Torringford West St, Torrington 06790 79 low-income homes · For older adults (860) 489-7328

See all 30 buildings in Northwest Hills Planning Region Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Torrington

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.

We found no HUD-approved agencies with an office in Northwest Hills Planning Region. The nearest ones are below; many serve by phone or online.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Torrington

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

Which programs do I qualify for? All programs in Connecticut

Housing counselors near Torrington

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

  • Neighborhood Housing Services of Waterbury, Inc. (NEST)

    193 Grand St, Waterbury · 20 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (203) 753-1896

  • Neighborhood Housing Services of New Britain, Inc.

    223 Broad St, New Britain · 21 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (860) 224-2433

  • Mutual Housing Association of Greater Hartford, Inc.

    95 Niles St, Hartford · 23 miles away · Spanish

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

All counseling agencies in Connecticut

Help in Spanish near Torrington

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 Torrington

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

  • Torrington Housing Authority Public housing and Section 8 vouchers (860) 482-3581

One other authority has an office in Northwest Hills Planning Region: see the list Source: HUD

Cities

Other cities in Northwest Hills Planning Region

These cities are also in Northwest Hills Planning Region. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Northwest Hills Planning Region Housing in Connecticut

Nearby cities

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

Neighboring counties

If Northwest Hills 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 Torrington.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Torrington

Short answers with the numbers for Torrington and all of Northwest Hills 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 Torrington?

The typical home value in Torrington is $215,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Northwest Hills Planning Region it is $335,600.

How much does it cost to rent in Torrington?

Typical rent in Torrington is $1,169 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Northwest Hills Planning Region is $1,560.

What is the FHA loan limit in Torrington?

Torrington uses the FHA limit for all of Northwest Hills 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 Torrington?

The typical homeowner in Torrington pays $5,042 a year, according to the U.S. Census Bureau. That is 2.34% of the home’s value; in Northwest Hills Planning Region, the rate is 1.67%.

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

We found no HUD-approved counseling agencies with an office in Northwest Hills Planning Region; the nearest ones are on this page. 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).