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City · 63,620 residents · Capitol Planning Region, Connecticut

West Hartford , Connecticut

In West Hartford, a typical home is worth $411,000 and typical rent is $1,756 a month. Compared with all of Capitol Planning Region, typical household income is 39% higher and the typical home value is 27% higher.

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  • Typical home value

    $411,000

    27% above the planning region

    12% above Connecticut

    • West Hartford
    • Capitol
    • Connecticut

  • Typical rent

    $1,756a month

    24% above the planning region

    18% above Connecticut

    • West Hartford
    • Capitol
    • Connecticut

  • Typical household income

    $129,890a year

    39% above the planning region

    36% above Connecticut

    • West Hartford
    • Capitol
    • Connecticut

  • Households that own their home

    67%

    2 points above the planning region

    1 points above Connecticut

    • West Hartford
    • Capitol
    • Connecticut

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

West Hartford 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 West Hartford apart

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

  1. Nearby, in New Britain, the typical home value is $223,600: 46% less than in West Hartford ($411,000).

  2. The typical household income in West Hartford is $129,890, 39% more than in Capitol Planning Region as a whole ($93,394).

  3. Nearby, in East Hartford, the typical rent is $1,225: 30% less than in West Hartford ($1,756).

  4. The typical home in West Hartford is worth $411,000, 27% more than in Capitol Planning Region as a whole ($323,700).

  5. The typical rent in West Hartford is $1,756 a month, 24% more than in Capitol Planning Region as a whole ($1,411).

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

The homes here

Housing in West Hartford

What homes there are in West Hartford, 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 West Hartford: 63% of homes, more than in Capitol Planning Region (57%).

Year built

Homes in West Hartford are older: the typical year built is 1954; in Capitol Planning Region, 1966.

Homes in West Hartford are bigger: 62% have 3 bedrooms or more; in Capitol 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
Monthly rent with utilities

About 64% of rented homes in West Hartford cost less than HUD's 2-bedroom fair market rent for Capitol Planning Region ($1,933); the rest cost more.

With a mortgage

$2,794 a month

Capitol Planning Region: $2,284 a month

Without a mortgage

$1,283 a month

Capitol Planning Region: $1,027 a month

Owners with a mortgage

63%

Capitol Planning Region: 65%

Owning costs more in West Hartford: with a mortgage, the typical cost is $2,794 a month; in Capitol Planning Region, $2,284. Without one, $1,283.

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 West Hartford rose 23%.

The typical rent in West Hartford rose 33% over the same time.

While home values in West Hartford changed +23% and rent +33%, the typical household income rose 25%.

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

MeasureWest HartfordCapitol Planning RegionConnecticutUnited States
Rental vacancy 3.5%4.8%4.3%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room 0.8%1.9%2.1%3.4%
People per household 2.412.412.462.53
Drive alone 65%70%69%69%
Carpool 8%8%8%9%
Public transit 1%3%3%3%
Walk or bike 2%2%3%3%
Work from home 23%17%16%15%
Other means 1%1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

In West Hartford, the rental vacancy rate is 3.5%; in Capitol Planning Region, 4.8%.

In West Hartford, 0.8% of households live with more than one person per room, against 1.9% in Capitol Planning Region.

By size, households in West Hartford look like those in Capitol Planning Region: 2.41 people on average.

In West Hartford, 23% of workers work from home, more than 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 West Hartford?

A typical home is tight for the typical income

We start with a typical home in West Hartford, worth $411,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in West Hartford, which is $129,890 a year. For that payment to be 28% of income, a household would need to earn about $166,642 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 West Hartford. 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 $14,385 (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

$3,888

at 7.18% · 30 years

Loan amount
$403,556
Total interest
$580,622
Paid off in
November 2056

Includes $6,941 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,031 a month

  • Tight

    $3,031 to $3,897 a month

    Your payment · 36%

  • Hard

    more than $3,897 a month

Compared with the typical household income in West Hartford ($129,890 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,888
Principal & interest$2,734
Property tax$801
Home insurance$171
FHA mortgage insurance (MIP)$182

You need at least $14,385 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

West Hartford and Capitol Planning Region

West Hartford 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).

West Hartford's own numbers

Typical home value
$411,000
Typical monthly rent
$1,756
Typical yearly household income
$129,890
Households that own their home
67%
Effective property tax rate
2.34%

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 West Hartford

A typical home in West Hartford is worth $411,000: 27% above the planning region and 12% above Connecticut. With the typical household income in West Hartford ($129,890 a year), a typical home costs 3.2 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.

  • West Hartford 3.2 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

West Hartford 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
  • West Hartford $411,000
  • Capitol $323,700
  • Connecticut $366,900
  • United States $332,700
Typical monthly rent
  • West Hartford $1,756
  • Capitol $1,411
  • Connecticut $1,488
  • United States $1,413
Typical yearly household income
  • West Hartford $129,890
  • Capitol $93,394
  • Connecticut $95,781
  • United States $80,734
See the full table
West Hartford next to Capitol Planning Region and Connecticut
Measure West Hartford Capitol Planning Region Connecticut U.S.
Typical home value $411,000 $323,700 $366,900 $332,700
Typical monthly rent $1,756 $1,411 $1,488 $1,413
Typical yearly household income $129,890 $93,394 $95,781 $80,734
Households that own their home 67% 66% 66% 65%
Typical yearly property tax $9,598 $6,454 $6,643 $3,119
Effective property tax rate 2.34% 1.99% 1.81% 0.94%
Renters with high rent for their income 42% 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 West Hartford

For a typical $411,000 home in West Hartford, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, West Hartford's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,888a month

    Least cash to close
    Down payment
    $14,385
    Cash to close
    $26,715
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $182

  • Conventional, 5% down $3,813a month

    Down payment
    $20,550
    Cash to close
    $32,880
    Rate
    7.18%
    Mortgage insurance
    PMI · $195

  • Conventional, 20% down, no PMI $3,200a month

    Down payment
    $82,200
    Cash to close
    $94,530
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,580a month

    Down payment
    $61,650
    Cash to close
    $73,980
    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 West Hartford and for Capitol Planning Region.

Property tax

Effective rate in West Hartford

2.34%of the home’s value each year

$9,598 a year for the typical owner in West Hartford.

  • West Hartford 2.34%
  • 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 West Hartford

Typical rent in West Hartford is $1,756 a month: 24% above the planning region. In West Hartford, 42% 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

Low-income apartments

Low-income apartments in West Hartford

HUD lists 4 buildings with rents for lower incomes in West Hartford. These are the largest.

  • Alfred E. Plant Elderly Housing 759 Farmington Ave, West Hartford 137 low-income homes · Studio: 4 · 1 bd: 133 · In service since 2012 · For older adults
  • Federation Square Apts 2 Starkel Rd, West Hartford 06117 88 low-income homes · For older adults (860) 232-6345
  • West Hartford Fellowship III 60 Starkel Rd, West Hartford 06117 45 homes, 43 low-income · For older adults (860) 523-0881
  • Continuum Supportive Housing of West Hartford 100 Beverly Rd, West Hartford 06119 10 low-income homes · For people with disabilities (860) 242-2274

See all 256 buildings in Capitol Planning Region Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in West Hartford

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 grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in West Hartford

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

Which programs do I qualify for? All programs in Connecticut

Housing counselors near West Hartford

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

  • Mutual Housing Association of Greater Hartford, Inc.

    95 Niles St, Hartford · 3 miles away · Spanish

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

  • Urban League of Greater Hartford, Inc.

    140 Woodland St, Hartford · 3 miles away

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

  • NSC (naca Counseling Subsidiary) - Hartford CT

    241 Main St Fl 1, Hartford · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    203-562-6220-1385

Every agency in Capitol Planning Region All counseling agencies in Connecticut

Help in Spanish near West Hartford

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 West Hartford

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

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about West Hartford

Short answers with the numbers for West Hartford 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 West Hartford?

The typical home value in West Hartford is $411,000, 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 West Hartford?

Typical rent in West Hartford is $1,756 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 West Hartford?

West Hartford 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 West Hartford?

The typical homeowner in West Hartford pays $9,598 a year, according to the U.S. Census Bureau. That is 2.34% 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 West Hartford?

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).