Hartford, CT home prices
Typical home $398,703 · +5.1% in a year · income needed $123,100
The Hartford, CT metro area ranks 154 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +5.1% in a year and +44.5% over five years. With 20% down at 7.11%, the typical home costs about $2,872 a month including 1.59% property tax (Hartford County rate).
Mortgage on the typical Hartford home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $79,741 | $318,963 | $2,146 | $0 | $726 | $2,872 | $123,100 |
| 10% down | $39,870 | $358,833 | $2,414 | $150 | $726 | $3,290 | $141,000 |
| 5% down | $19,935 | $378,768 | $2,548 | $158 | $726 | $3,432 | $147,100 |
| 3.5% down (FHA) | $13,955 | $391,482 | $2,634 | $176 | $726 | $3,536 | $151,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.59% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Hartford area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Hartford County, CT | $384,859 | +5.2% | 1.59% |
| Middlesex County, CT | $461,315 | +5.0% | 1.59% |
| Tolland County, CT | $409,254 | +5.5% | 1.59% |
What can you afford in Connecticut on your salary? · Connecticut home prices · Salaries in Connecticut
Frequently asked questions
How much is a house in Hartford?
The typical home in the Hartford, CT metro area is worth $398,703 (Zillow, September 2026).
What salary do you need to buy a house in Hartford?
About $123,100 a year for the typical home with 20% down at 7.11%.