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City · 55,351 residents · South Central Connecticut Planning Region, Connecticut

West Haven , Connecticut

In West Haven, a typical home is worth $291,700 and typical rent is $1,442 a month. Compared with all of South Central Connecticut Planning Region, the typical home value is 17% lower, typical household income is 16% lower, and the share of households that own their home is 10 points lower.

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  • Typical home value

    $291,700

    17% below the planning region

    20% below Connecticut

    • West Haven
    • South Central Connecticut
    • Connecticut

  • Typical rent

    $1,442a month

    5% below the planning region

    3% below Connecticut

    • West Haven
    • South Central Connecticut
    • Connecticut

  • Typical household income

    $74,382a year

    16% below the planning region

    22% below Connecticut

    • West Haven
    • South Central Connecticut
    • Connecticut

  • Households that own their home

    51%

    10 points below the planning region

    16 points below Connecticut

    • West Haven
    • South Central Connecticut
    • Connecticut

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

West Haven is in South Central 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 South Central Connecticut Planning Region. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets West Haven apart

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

  1. The typical home in West Haven is worth $291,700, 17% less than in South Central Connecticut Planning Region as a whole ($353,100).

  2. The typical household income in West Haven is $74,382, 16% less than in South Central Connecticut Planning Region as a whole ($88,197).

  3. 51% of households in West Haven own their home, against 61% in South Central Connecticut Planning Region.

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

The homes here

Housing in West Haven

What homes there are in West Haven, 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 West Haven are varied: detached houses are the largest group, at 46%, against 53% in South Central Connecticut Planning Region.

Year built

Homes in West Haven are older: the typical year built is 1959; in South Central Connecticut Planning Region, 1964.

Homes in West Haven are smaller: 44% have 3 bedrooms or more; in South Central Connecticut Planning Region, 52%.

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 95% of owner-occupied homes in West Haven are worth less than the FHA loan limit for South Central Connecticut Planning Region ($541,287).

Monthly rent with utilities

About 89% of rented homes in West Haven cost less than HUD's 2-bedroom fair market rent for South Central Connecticut Planning Region ($2,091).

With a mortgage

$2,223 a month

South Central Connecticut Planning Region: $2,377 a month

Without a mortgage

$1,132 a month

South Central Connecticut Planning Region: $1,107 a month

Owners with a mortgage

65%

South Central Connecticut Planning Region: 65%

The typical cost for an owner with a mortgage in West Haven is $2,223 a month, less than in South Central Connecticut Planning Region ($2,377); without one, $1,132.

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 West Haven rose 51% from 2015–2019 to 2020–2024.

The typical rent in West Haven rose 24% from 2015–2019 to 2020–2024.

Here income did not keep up with housing: it rose 18%, while home values changed +51% and rent +24%.

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 HavenSouth Central Connecticut Planning RegionConnecticutUnited States
Rental vacancy Unreliable estimate4.5%4.3%5.5%
Homeowner vacancy Unreliable estimate0.5%0.8%0.9%
More than one person per room 5.2%2.6%2.1%3.4%
People per household 2.472.382.462.53
Drive alone 73%69%69%69%
Carpool 12%7%8%9%
Public transit 3%3%3%3%
Walk or bike 3%5%3%3%
Work from home 9%14%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More households are short on space in West Haven: 5.2% have more than one person per room; in South Central Connecticut Planning Region, 2.6%.

Much as in South Central Connecticut Planning Region, a household in West Haven has 2.47 people on average.

In West Haven, 12% of workers share a car to get to work; in South Central Connecticut Planning Region, 7%.

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 Haven?

A typical home costs more than the typical income allows

We start with a typical home in West Haven, worth $291,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in West Haven, which is $74,382 a year. For that payment to be 28% of income, a household would need to earn about $118,688 a year.

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

Your numbers

Local data
$

Starts at the typical home value in West Haven. 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 $10,210 (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

$2,769

at 7.18% · 30 years

Loan amount
$286,416
Total interest
$412,086
Paid off in
November 2056

Includes $4,926 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,736 a month

  • Tight

    $1,736 to $2,231 a month

  • Hard

    more than $2,231 a month

    Your payment · 45%

Compared with the typical household income in West Haven ($74,382 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,769
Principal & interest$1,940
Property tax$579
Home insurance$122
FHA mortgage insurance (MIP)$129

You need at least $10,210 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 Haven and South Central Connecticut Planning Region

West Haven is in South Central 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).

West Haven's own numbers

Typical home value
$291,700
Typical monthly rent
$1,442
Typical yearly household income
$74,382
Households that own their home
51%
Effective property tax rate
2.38%

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

Numbers for all of South Central Connecticut Planning Region

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,091
Price change over 5 years (FHFA)
+61%
Homes in a high flood-risk zone
4.9%

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 South Central Connecticut Planning Region.

Everything about South Central Connecticut Planning Region

Buying

Buying a home in West Haven

A typical home in West Haven is worth $291,700: 17% below the planning region and 20% below Connecticut. With the typical household income in West Haven ($74,382 a year), a typical home costs 3.9 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 Haven 3.9 years
  • South Central Connecticut 4.0 years
  • Connecticut 3.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in South Central Connecticut Planning Region

According to FHFA’s house price index, home prices in South Central Connecticut Planning Region rose 76% in the 10 years through 2025.

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

Period Region Connecticut U.S.
Last year (2025) +6.3% +6.1% +2.9%
5 years (2020–2025) +61% +62% +47%
10 years (2015–2025) +76% +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 Haven next to South Central 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
  • West Haven $291,700
  • South Central Connecticut $353,100
  • Connecticut $366,900
  • United States $332,700
Typical monthly rent
  • West Haven $1,442
  • South Central Connecticut $1,525
  • Connecticut $1,488
  • United States $1,413
Typical yearly household income
  • West Haven $74,382
  • South Central Connecticut $88,197
  • Connecticut $95,781
  • United States $80,734
See the full table
West Haven next to South Central Connecticut Planning Region and Connecticut
Measure West Haven South Central Connecticut Planning Region Connecticut U.S.
Typical home value $291,700 $353,100 $366,900 $332,700
Typical monthly rent $1,442 $1,525 $1,488 $1,413
Typical yearly household income $74,382 $88,197 $95,781 $80,734
Households that own their home 51% 61% 66% 65%
Typical yearly property tax $6,941 $6,759 $6,643 $3,119
Effective property tax rate 2.38% 1.91% 1.81% 0.94%
Renters with high rent for their income 53% 54% 53% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below South Central 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 West Haven

For a typical $291,700 home in West Haven, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, West Haven's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,769a month

    Least cash to close
    Down payment
    $10,210
    Cash to close
    $18,961
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $129

  • Conventional, 5% down $2,716a month

    Down payment
    $14,585
    Cash to close
    $23,336
    Rate
    7.18%
    Mortgage insurance
    PMI · $139

  • Conventional, 20% down, no PMI $2,281a month

    Down payment
    $58,340
    Cash to close
    $67,091
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,551a month

    Down payment
    $43,755
    Cash to close
    $52,506
    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 Haven and for South Central Connecticut Planning Region.

Property tax

Effective rate in West Haven

2.38%of the home’s value each year

$6,941 a year for the typical owner in West Haven.

  • West Haven 2.38%
  • South Central Connecticut 1.91%
  • 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 South Central Connecticut Planning Region

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

Homes in the high-risk zone
4.9%
7,427
Of those, with NFIP insurance
52%
Region Connecticut U.S.
Homes in the high-risk zone 4.9% 3.1% 3.5%
Of those, with NFIP insurance 52% 51% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in West Haven

Typical rent in West Haven is $1,442 a month: 5% below the planning region. In West Haven, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of South Central Connecticut Planning Region, by unit size. To pay the 2-bedroom one ($2,091 a month) without spending more than 30% of your income, you would need to earn $40.21 an hour working full time.

HUD fair market rent for all of South Central 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 $1,609 $30.94 $64,360
1 bedroom $1,743 $33.52 $69,720
2 bedrooms $2,091 $40.21 $83,640
3 bedrooms $2,602 $50.04 $104,080
4 bedrooms $2,935 $56.44 $117,400

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 Haven

HUD lists 5 buildings with rents for lower incomes in West Haven. These are the largest.

  • Meadow Landing I 397 Meadowbrook Ct, West Haven 230 low-income homes · 2 bd: 188 · 3 bd: 42 · In service since 1999
  • Rolling Ridge Apts 16 Ridge Ct W, West Haven 180 low-income homes · 1 bd: 72 · 2 bd: 108 · In service since 2000
  • Springhaven LP 15 Ridge Ct E, West Haven 180 low-income homes · 1 bd: 72 · 2 bd: 108
  • Morrissey Manor 174 Center St, West Haven 06516 160 homes, 159 low-income · Run by West Haven Housing Authority · Average payment: $523 a month · Average wait: 23 months (203) 934-8671
  • Spring Heights 27A Glade St, West Haven 06516 95 homes, 91 low-income · Run by West Haven Housing Authority · Average payment: $690 a month · Average wait: 31 months (203) 934-8671

See all 166 buildings in South Central Connecticut Planning Region Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in West Haven

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 4 HUD-approved agencies with an office in South Central Connecticut Planning Region; 3 say they serve in Spanish.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in West Haven

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

Which programs do I qualify for? All programs in Connecticut

Housing counselors near West Haven

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

  • Neighborhood Housing Services of New Haven

    333 Sherman Ave, New Haven · 3 miles away · Spanish

    Also serves in other languages.

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

  • Urban League of Southern Connecticut

    10 Wintergreen Ave, New Haven · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (203) 327-5810

  • Mutual Housing Association of South Central Ct, Inc. DBA Neighborworks New Horizons

    235 Grand Ave, New Haven · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 4 more
    (203) 562-4514

Every agency in South Central Connecticut Planning Region All counseling agencies in Connecticut

Help in Spanish near West Haven

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 West Haven

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

  • West Haven Housing Authority Public housing and Section 8 vouchers (203) 934-8671

6 other authorities have an office in South Central Connecticut Planning Region: see the list Source: HUD

Cities

Other cities in South Central Connecticut Planning Region

These cities are also in South Central 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 South Central Connecticut Planning Region Housing in Connecticut

Nearby cities

The cities closest to West Haven, with the typical home value.

Neighboring counties

If South Central 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 West Haven.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about West Haven

Short answers with the numbers for West Haven and all of South Central 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 West Haven?

The typical home value in West Haven is $291,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in South Central Connecticut Planning Region it is $353,100.

How much does it cost to rent in West Haven?

Typical rent in West Haven is $1,442 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in South Central Connecticut Planning Region is $2,091.

What is the FHA loan limit in West Haven?

West Haven uses the FHA limit for all of South Central 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 West Haven?

The typical homeowner in West Haven pays $6,941 a year, according to the U.S. Census Bureau. That is 2.38% of the home’s value; in South Central Connecticut Planning Region, the rate is 1.91%.

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

There are 4 HUD-approved counseling agencies with an office in South Central Connecticut 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).