State data
Connecticut Mortgage Calculator
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Estimated monthly payment
$0/month
& interest
- Principal & interest$0
- Property tax$0
- Home insurance$0
- HOA dues$0
- Mortgage insurance (PMI)$0
- Total interest over the loan
- $0
- Paid off
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| Term | Monthly | Total interest |
|---|
Same price, down payment and rate. Real rates are usually lower for shorter terms.
Loan balance over time
| Year | Principal | Interest | Balance |
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Monthly payment
$0 /mo
Typical monthly cost of the median home in Connecticut
Principal and interest
$2,008
$293,520 loan at 7.28%, 30 years
Property tax
$563
1.84% of $366,900 a year
Together
$2,571
before insurance, HOA and PMI
That is about 32% of the median household income in Connecticut ($95,781 a year), before insurance and other costs.
Counties in Connecticut
Property tax rates and home values differ by county. Payment is principal, interest and property tax on the median home.
| County | Median home | Tax rate | Payment |
|---|---|---|---|
| Capitol Planning Region | $323,700 | 2.01% | $2,314 |
| Western Connecticut Planning Region | $652,900 | 1.44% | $4,357 |
| South Central Connecticut Planning Region | $353,100 | 1.93% | $2,501 |
| Naugatuck Valley Planning Region | $317,700 | 1.93% | $2,250 |
| Greater Bridgeport Planning Region | $428,800 | 2.08% | $3,090 |
| Southeastern Connecticut Planning Region | $323,400 | 1.62% | $2,207 |
| Lower Connecticut River Valley Planning Region | $379,700 | 1.70% | $2,616 |
| Northwest Hills Planning Region | $335,600 | 1.68% | $2,307 |
| Northeastern Connecticut Planning Region | $307,600 | 1.43% | $2,050 |
High-cost counties with higher loan limits
Most Connecticut counties use the $832,750 one-unit conforming limit. These counties have a higher limit:
- Western Connecticut Planning Region$977,500
- Naugatuck Valley Planning Region$851,000
- Greater Bridgeport Planning Region$977,500
Frequently asked questions
What is the property tax rate in Connecticut?
Using Census Bureau medians, homeowners with a mortgage in Connecticut pay about $6,749 a year in property tax on a median home value of $366,900, an effective rate of 1.84%. That ranks 4 of 51 (the states and DC, highest first) and is above the U.S. median of 1.05%. Rates vary by county and city, and your bill depends on the assessed value and any exemptions.
How much is the monthly payment on a median-priced home in Connecticut?
On a $366,900 home with 20% down and a 30-year loan at 7.28% (the Freddie Mac weekly average), principal and interest is about $2,008 a month and property tax about $563, so roughly $2,571 before homeowners insurance, HOA dues and mortgage insurance.
What is the conforming loan limit in Connecticut?
Most counties in Connecticut have a one-unit conforming loan limit of $832,750, set by the Federal Housing Finance Agency. Higher limits apply in high-cost counties such as Western Connecticut Planning Region ($977,500), Naugatuck Valley Planning Region ($851,000), Greater Bridgeport Planning Region ($977,500). Loans above the limit are jumbo loans, which can have different rates and down payment rules.
Where do these numbers come from?
Home values, property taxes and incomes are U.S. Census Bureau American Community Survey 5-year medians. Loan limits come from the Federal Housing Finance Agency and rates from Freddie Mac. The methodology page lists each source and when it was retrieved.
Data and method. Home values, property taxes and incomes: U.S. Census Bureau, ACS 2024 5-year (2020-2024) (medians, with sampling error; property tax is for owners with a mortgage). Loan limits: FHFA. Rates: Freddie Mac weekly average as of October 1, 2026. Retrieved October 1, 2026. Payment figures assume 20% down, a 30-year fixed loan, and exclude insurance, HOA dues and mortgage insurance. Estimates only; see the methodology.