City · 12,579 residents · Capitol Planning Region, Connecticut
Windsor Locks, Connecticut
In Windsor Locks, a typical home is worth $258,800 and typical rent is $1,394 a month. Compared with all of Capitol Planning Region, the typical home value is 20% lower, typical household income is 13% lower, and the share of households that own their home is 11 points higher.
Windsor Locks 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
What this place has that others do not, from public data, most unusual first.
1
The typical home in Windsor Locks is worth $258,800,20% less than in Capitol Planning Region as a whole ($323,700).
2
77% of households in Windsor Locks own their home, against 66% in Capitol Planning Region.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Windsor Locks
What homes there are in Windsor Locks, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Windsor Locks
Capitol Planning Region
Connecticut
United States
Kind of home: Windsor Locks and its comparisons
Measure
Windsor Locks
Capitol Planning Region
Connecticut
United States
Detached house
66%
57%
59%
61%
Attached house
9%
6%
7%
6%
Building of 2 to 4
11%
16%
16%
8%
Apartments (5 or more)
15%
21%
19%
19%
Mobile home
Unreliable estimate
1%
1%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 66% of homes here, against 57% in Capitol Planning Region.
Year built
Before 19601960–19791980–19992000–20092010 or later
Windsor Locks
Capitol Planning Region
Connecticut
United States
Year built: Windsor Locks and its comparisons
Measure
Windsor Locks
Capitol Planning Region
Connecticut
United States
Before 1960
49%
41%
41%
26%
1960–1979
25%
28%
27%
24%
1980–1999
16%
21%
20%
25%
2000–2009
8%
6%
7%
14%
2010 or later
4%
5%
5%
11%
In Windsor Locks, half of the homes were built before 1961; in Capitol Planning Region, before 1966.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K15%
$200K–$300K46%
$300K–$500K32%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Windsor Locks and its comparisons
Measure
Windsor Locks
Under $100K
Unreliable estimate
$100K–$200K
15%
$200K–$300K
46%
$300K–$500K
32%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49934%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Windsor Locks and its comparisons
Measure
Windsor Locks
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
34%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,820 a month
Capitol Planning Region: $2,284 a month
Without a mortgage
$786 a month
Capitol Planning Region: $1,027 a month
Owners with a mortgage
60%
Capitol Planning Region: 65%
In Windsor Locks, 60% of owners have a mortgage, and their typical cost is $1,820 a month, against $2,284 in Capitol Planning Region. Without one it drops to $786.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Windsor Locks+38%
Capitol Planning RegionBoundaries changed
Connecticut+33%
United States+53%
Typical rent
Windsor LocksNo clear change
Capitol Planning RegionBoundaries changed
Connecticut+26%
United States+33%
Typical household income
Windsor LocksNo clear change
Capitol Planning RegionBoundaries changed
Connecticut+22%
United States+29%
Change since 2015–2019: Windsor Locks and its comparisons
Measure
Windsor Locks
Capitol Planning Region
Connecticut
United States
Typical home value
+38%
Boundaries changed
+33%
+53%
Typical rent
No clear change
Boundaries changed
+26%
+33%
Typical household income
No clear change
Boundaries changed
+22%
+29%
From 2015–2019 to 2020–2024, the typical home value in Windsor Locks rose 38%.
Rent in Windsor Locks moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Windsor Locks and its comparisons
Measure
Windsor Locks
Capitol Planning Region
Connecticut
United States
Rental vacancy
Unreliable estimate
4.8%
4.3%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.9%
2.1%
3.4%
People per household
2.38
2.41
2.46
2.53
Drive alone
68%
70%
69%
69%
Carpool
Unreliable estimate
8%
8%
9%
Public transit
Unreliable estimate
3%
3%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
18%
17%
16%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Capitol Planning Region, a household in Windsor Locks has 2.38 people on average.
To get to work, 68% of workers in Windsor Locks drive alone; in Capitol Planning Region, 70%.
Do the math
What would you pay each month for a home in Windsor Locks?
A typical home is tight for the typical income
We start with a typical home in Windsor Locks, worth $258,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Windsor Locks, which is $81,205 a year. For that payment to be 28% of income, a household would need to earn about $96,521 a year.
The calculator's FHA and conventional loan limits are those of all of Capitol Planning Region.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Windsor Locks. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $9,058 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,252
at 7.18% · 30 years
Loan amount
$254,112
Total interest
$365,608
Paid off in
November 2056
Includes $4,370 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,895 a month
Tight
$1,895 to $2,436 a month
Your payment · 33%
Hard
more than $2,436 a month
Compared with the typical household income in Windsor Locks ($81,205 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,721
Property tax
$308
Home insurance
$108
FHA mortgage insurance (MIP)
$114
You need at least $9,058 for the down payment, plus closing costs.
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.
Total monthly payment $2,252; principal and interest $1,721.
The city and its county
Windsor Locks and Capitol Planning Region
Windsor Locks 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).
Windsor Locks
Map of Capitol Planning Region, Connecticut, with Windsor Locks marked. Around it, the neighboring counties.
Windsor Locks
Capitol Planning Region
Other cities with a page
Windsor Locks's own numbers
Typical home value
$258,800
Typical monthly rent
$1,394
Typical yearly household income
$81,205
Households that own their home
77%
Effective property tax rate
1.43%
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.
A typical home in Windsor Locks is worth $258,800: 20% below the planning region and 29% below Connecticut. With the typical household income in Windsor Locks ($81,205 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.
Windsor Locks3.2 years
Capitol3.5 years
Connecticut3.8 years
United States4.1 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.
Yearly change in FHFA’s price index in Capitol Planning Region, 2016 to 2025
2016: +0.0% +0.0% 2016
2017: +1.1% +1.1% 2017
2018: +1.0% +1.0% 2018
2019: +2.2% +2.2% 2019
2020: +2.8% +2.8% 2020
2021: +10.7% +10.7% 2021
2022: +13.5% +13.5% 2022
2023: +10.8% +10.8% 2023
2024: +9.7% +9.7% 2024
2025: +5.7% +5.7% 2025
Change in FHFA’s price index in Capitol Planning Region, Connecticut and the United States
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
Windsor Locks 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
Windsor Locks$258,800
Capitol$323,700
Connecticut$366,900
United States$332,700
Typical monthly rent
Windsor Locks$1,394
Capitol$1,411
Connecticut$1,488
United States$1,413
Typical yearly household income
Windsor Locks$81,205
Capitol$93,394
Connecticut$95,781
United States$80,734
See the full table
Windsor Locks next to Capitol Planning Region and Connecticut
Measure
Windsor Locks
Capitol Planning Region
Connecticut
U.S.
Typical home value
$258,800 ▼20% below the planning region
$323,700
$366,900
$332,700
Typical monthly rent
$1,394
$1,411
$1,488
$1,413
Typical yearly household income
$81,205 ▼13% below the planning region
$93,394
$95,781
$80,734
Households that own their home
77% ▲11 points above the planning region
66%
66%
65%
Typical yearly property tax
$3,688 ▼43% below the planning region
$6,454
$6,643
$3,119
Effective property tax rate
1.43% ▼0.56 points below the planning region
1.99%
1.81%
0.94%
Renters with high rent for their income
58% ▲6 points above the planning region
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 Windsor Locks
For a typical $258,800 home in Windsor Locks, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Windsor Locks's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,252a month
Least cash to close
Down payment
$9,058
Cash to close
$16,822
Rate
7.18%
Mortgage insurance
FHA MIP · $114
Conventional, 5% down$2,205a month
Down payment
$12,940
Cash to close
$20,704
Rate
7.18%
Mortgage insurance
PMI · $123
Conventional, 20% down, no PMI$1,819a month
Down payment
$51,760
Cash to close
$59,524
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,058a month
Down payment
$38,820
Cash to close
$46,584
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Windsor Locks
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,252
$9,058
$254,112
7.18%
FHA MIP · $114
$16,822
580
Conventional, 5% down
$2,205
$12,940
$245,860
7.18%
PMI · $123
$20,704
620*
Conventional, 20% down, no PMI
$1,819
$51,760
$207,040
7.18%
None
$59,524
620*
ITIN, 15% down (example)
$2,058
$38,820
$219,980
8.18%
None
$46,584
Set by the lender
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.
Typical rent in Windsor Locks is $1,394 a month: about the same as the planning region. In Windsor Locks, 58% 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.
HUD fair market rent in Capitol Planning Region (Fiscal year 2027)
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 Windsor Locks
HUD lists 2 buildings with rents for lower incomes in Windsor Locks. These are the largest.
Chestnut Hill / Oak Grove Terrace Apts22 Grove St, Windsor Locks 0609676 low-income homes · Run by Windsor Locks Housing Authority · Average payment: $551 a month · Average wait: 70 months · Homes at several sites(860) 627-1455
ST Mary's School55 Grove St, Windsor Locks21 low-income homes · 2 bd: 10 · 3 bd: 11 · In service since 1995
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.
No down payment, repair or rent-help program on our list is for Windsor Locks or Capitol Planning Region. The ones below are statewide in Connecticut: they work in Windsor Locks the same as in the rest of the state.
Connecticut state agency second mortgage for the down payment and closing costs: 4% of the price, between $3,000 and $15,000, together with a CHFA mortgage.Offered by Connecticut Housing Finance Authority (CHFA).
Connecticut state agency loan of up to $25,000, with no interest or monthly payments, for the down payment and closing costs, forgiven 10% each year over ten years; it goes with a CHFA mortgage.Offered by Connecticut Housing Finance Authority (CHFA), on behalf of the CT Department of Housing.
Connecticut state agency mortgage for first-time buyers and for people who have owned a home before, with deferred 0% help of up to 3.5% of the loan for the down payment or closing costs.Offered by Connecticut Housing Finance Authority (CHFA).
The HUD-approved agencies closest to the center of Windsor Locks, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
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 Windsor Locks
HUD’s record names them for Windsor Locks or Capitol Planning Region. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.
Windsor Locks Housing AuthorityPublic housing and Section 8 vouchers(860) 627-1455
No legal help resource on our list is for Windsor Locks or Capitol Planning Region in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
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.
Short answers with the numbers for Windsor Locks 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 Windsor Locks?
The typical home value in Windsor Locks is $258,800, 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 Windsor Locks?
Typical rent in Windsor Locks is $1,394 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 Windsor Locks?
Windsor Locks 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 Windsor Locks?
The typical homeowner in Windsor Locks pays $3,688 a year, according to the U.S. Census Bureau. That is 1.43% 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 Windsor Locks?
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.
