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City · 18,096 residents · Southeastern Connecticut Planning Region, Connecticut

Willimantic , Connecticut

In Willimantic, a typical home is worth $190,900 and typical rent is $1,063 a month. Compared with all of Southeastern Connecticut Planning Region, typical household income is 47% lower, the typical home value is 41% lower, and the share of households that own their home is 30 points lower.

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  • Typical home value

    $190,900

    41% below the planning region

    48% below Connecticut

    • Willimantic
    • Southeastern Connecticut
    • Connecticut

  • Typical rent

    $1,063a month

    22% below the planning region

    29% below Connecticut

    • Willimantic
    • Southeastern Connecticut
    • Connecticut

  • Typical household income

    $45,962a year

    47% below the planning region

    52% below Connecticut

    • Willimantic
    • Southeastern Connecticut
    • Connecticut

  • Households that own their home

    35%

    30 points below the planning region

    32 points below Connecticut

    • Willimantic
    • Southeastern Connecticut
    • Connecticut

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

Willimantic is in Southeastern 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 Southeastern Connecticut Planning Region. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Willimantic apart

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

  1. Willimantic has the lowest typical rent of the 63 cities in Connecticut with more than 5,000 people: $1,063.

  2. Willimantic has the lowest typical home value of the 65 cities in Connecticut with more than 5,000 people: $190,900.

  3. 35% of households in Willimantic own their home, against 65% in Southeastern Connecticut Planning Region.

  4. Willimantic has the 2nd lowest typical household income of the 65 cities in Connecticut with more than 5,000 people ($45,962).

  5. 12% of households in Willimantic have no internet at home (6% in Southeastern Connecticut Planning Region).

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

The homes here

Housing in Willimantic

What homes there are in Willimantic, 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 here are varied: buildings of 2 to 4 homes are 37% of them, more than in Southeastern Connecticut Planning Region (15%), and no kind reaches half.

Year built

The typical home in Willimantic was built in 1953, 16 years before the typical one in Southeastern Connecticut Planning Region.

Homes in Willimantic are smaller: 46% have 3 bedrooms or more; in Southeastern Connecticut 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 88% of rented homes in Willimantic cost less than HUD's 2-bedroom fair market rent for Southeastern Connecticut Planning Region ($1,902).

With a mortgage

$1,753 a month

Southeastern Connecticut Planning Region: $2,140 a month

Without a mortgage

$882 a month

Southeastern Connecticut Planning Region: $931 a month

Owners with a mortgage

67%

Southeastern Connecticut Planning Region: 61%

Owning costs less in Willimantic: with a mortgage, the typical cost is $1,753 a month; in Southeastern Connecticut Planning Region, $2,140. Without one, $882.

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

Willimantic does not have the same boundaries as in 2015–2019: that is why there is no change to compare.

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

MeasureWillimanticSoutheastern Connecticut Planning RegionConnecticutUnited States
Rental vacancy Unreliable estimate4.4%4.3%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room Unreliable estimate1.1%2.1%3.4%
People per household 2.352.322.462.53
Drive alone 70%76%69%69%
Carpool 10%7%8%9%
Public transit Unreliable estimate1%3%3%
Walk or bike 9%3%3%3%
Work from home 6%12%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Southeastern Connecticut Planning Region, a household in Willimantic has 2.35 people on average.

More people walk or bike to work in Willimantic: 9%, against 3% in Southeastern Connecticut 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 Willimantic?

A typical home costs more than the typical income allows

We start with a typical home in Willimantic, worth $190,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in Willimantic, which is $45,962 a year. For that payment to be 28% of income, a household would need to earn about $78,151 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Willimantic. 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 $6,682 (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

$1,824

at 7.18% · 30 years

Loan amount
$187,442
Total interest
$269,685
Paid off in
November 2056

Includes $3,224 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,072 a month

  • Tight

    $1,072 to $1,379 a month

  • Hard

    more than $1,379 a month

    Your payment · 48%

Compared with the typical household income in Willimantic ($45,962 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,824
Principal & interest$1,270
Property tax$390
Home insurance$80
FHA mortgage insurance (MIP)$84

You need at least $6,682 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

Willimantic and Southeastern Connecticut Planning Region

Willimantic is in Southeastern 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).

Willimantic's own numbers

Typical home value
$190,900
Typical monthly rent
$1,063
Typical yearly household income
$45,962
Households that own their home
35%
Effective property tax rate
2.45%

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

Numbers for all of Southeastern Connecticut Planning Region

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,902
Price change over 5 years (FHFA)
+65%
Homes in a high flood-risk zone
3.4%

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 Southeastern Connecticut Planning Region.

Everything about Southeastern Connecticut Planning Region

Buying

Buying a home in Willimantic

A typical home in Willimantic is worth $190,900: 41% below the planning region and 48% below Connecticut. With the typical household income in Willimantic ($45,962 a year), a typical home costs 4.2 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.

  • Willimantic 4.2 years
  • Southeastern Connecticut 3.7 years
  • Connecticut 3.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Southeastern Connecticut Planning Region

According to FHFA’s house price index, home prices in Southeastern Connecticut Planning Region rose 89% in the 10 years through 2025.

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

Period Region Connecticut U.S.
Last year (2025) +7.5% +6.1% +2.9%
5 years (2020–2025) +65% +62% +47%
10 years (2015–2025) +89% +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

Willimantic next to Southeastern 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
  • Willimantic $190,900
  • Southeastern Connecticut $323,400
  • Connecticut $366,900
  • United States $332,700
Typical monthly rent
  • Willimantic $1,063
  • Southeastern Connecticut $1,365
  • Connecticut $1,488
  • United States $1,413
Typical yearly household income
  • Willimantic $45,962
  • Southeastern Connecticut $86,586
  • Connecticut $95,781
  • United States $80,734
See the full table
Willimantic next to Southeastern Connecticut Planning Region and Connecticut
Measure Willimantic Southeastern Connecticut Planning Region Connecticut U.S.
Typical home value $190,900 $323,400 $366,900 $332,700
Typical monthly rent $1,063 $1,365 $1,488 $1,413
Typical yearly household income $45,962 $86,586 $95,781 $80,734
Households that own their home 35% 65% 66% 65%
Typical yearly property tax $4,678 $5,228 $6,643 $3,119
Effective property tax rate 2.45% 1.62% 1.81% 0.94%
Renters with high rent for their income 56% 51% 53% 51%

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

For a typical $190,900 home in Willimantic, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Willimantic's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,824a month

    Least cash to close
    Down payment
    $6,682
    Cash to close
    $12,409
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $84

  • Conventional, 5% down $1,789a month

    Down payment
    $9,545
    Cash to close
    $15,272
    Rate
    7.18%
    Mortgage insurance
    PMI · $91

  • Conventional, 20% down, no PMI $1,504a month

    Down payment
    $38,180
    Cash to close
    $43,907
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,680a month

    Down payment
    $28,635
    Cash to close
    $34,362
    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 Willimantic and for Southeastern Connecticut Planning Region.

Property tax

Effective rate in Willimantic

2.45%of the home’s value each year

$4,678 a year for the typical owner in Willimantic.

  • Willimantic 2.45%
  • Southeastern Connecticut 1.62%
  • 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 Southeastern Connecticut Planning Region

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

Homes in the high-risk zone
3.4%
2,728
Of those, with NFIP insurance
61%
Region Connecticut U.S.
Homes in the high-risk zone 3.4% 3.1% 3.5%
Of those, with NFIP insurance 61% 51% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Willimantic

Typical rent in Willimantic is $1,063 a month: 22% below the planning region. In Willimantic, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Southeastern Connecticut Planning Region, by unit size. To pay the 2-bedroom one ($1,902 a month) without spending more than 30% of your income, you would need to earn $36.58 an hour working full time.

HUD fair market rent for all of Southeastern 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 $1,324 $25.46 $52,960
1 bedroom $1,518 $29.19 $60,720
2 bedrooms $1,902 $36.58 $76,080
3 bedrooms $2,418 $46.50 $96,720
4 bedrooms $2,995 $57.60 $119,800

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 Willimantic

HUD lists 11 buildings with rents for lower incomes in Willimantic. These are the largest.

  • Windham Heights Apartments 112-116 Scott RD, Willimantic 06226 350 homes, 345 low-income · For families (860) 456-1284
  • John J. Ashton Tower 621 Valley St, Willimantic 06226 250 low-income homes · Run by Willimantic Housing Authority · Average payment: $434 a month · Average wait: 15 months (860) 456-2086
  • Village Heights 108B Cameo Dr, Willimantic 06226 142 low-income homes · For families (860) 456-1518
  • Hevrin Terrace 71 Keating St, Willimantic 06226 90 low-income homes · For families (860) 456-1413
  • Kingswood Apts 466 Ash St, Willimantic 110 homes, 77 low-income · 1 bd: 8 · 2 bd: 92 · 3 bd: 10

See all 62 buildings in Southeastern Connecticut Planning Region Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Willimantic

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 Southeastern Connecticut Planning Region; none 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 Willimantic

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

Which programs do I qualify for? All programs in Connecticut

Housing counselors near Willimantic

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

  • Community Renewal Team, Inc.

    330 Market St, Hartford · 24 miles away

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

  • NSC (naca Counseling Subsidiary) - Hartford CT

    241 Main St Fl 1, Hartford · 24 miles away · Spanish

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

  • Urban League of Greater Hartford, Inc.

    140 Woodland St, Hartford · 25 miles away

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

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

Help in Spanish near Willimantic

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 Willimantic

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

  • Willimantic Housing Authority Public housing and Section 8 vouchers (860) 456-2086

2 other authorities have an office in Southeastern Connecticut Planning Region: see the list Source: HUD

Cities

Other cities in Southeastern Connecticut Planning Region

These cities are also in Southeastern 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 Southeastern Connecticut Planning Region Housing in Connecticut

Nearby cities

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

Neighboring counties

If Southeastern 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 Willimantic.

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

Questions

Housing questions about Willimantic

Short answers with the numbers for Willimantic and all of Southeastern 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 Willimantic?

The typical home value in Willimantic is $190,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Southeastern Connecticut Planning Region it is $323,400.

How much does it cost to rent in Willimantic?

Typical rent in Willimantic is $1,063 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Southeastern Connecticut Planning Region is $1,902.

What is the FHA loan limit in Willimantic?

Willimantic uses the FHA limit for all of Southeastern 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 Willimantic?

The typical homeowner in Willimantic pays $4,678 a year, according to the U.S. Census Bureau. That is 2.45% of the home’s value; in Southeastern Connecticut Planning Region, the rate is 1.62%.

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

There is 1 HUD-approved counseling agency with an office in Southeastern Connecticut Planning Region. 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).