Torrington, CT home prices
Typical home $424,058 · +2.8% in a year · income needed $130,900
The Torrington, CT metro area ranks 124 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.8% in a year and +37.6% over five years. With 20% down at 7.11%, the typical home costs about $3,055 a month including 1.59% property tax (Litchfield County rate).
Mortgage on the typical Torrington home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $84,812 | $339,246 | $2,282 | $0 | $773 | $3,055 | $130,900 |
| 10% down | $42,406 | $381,652 | $2,567 | $159 | $773 | $3,499 | $150,000 |
| 5% down | $21,203 | $402,855 | $2,710 | $168 | $773 | $3,651 | $156,500 |
| 3.5% down (FHA) | $14,842 | $416,377 | $2,801 | $188 | $773 | $3,761 | $161,200 |
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 Torrington area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Litchfield County, CT | $424,057 | +2.8% | 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 Torrington?
The typical home in the Torrington, CT metro area is worth $424,058 (Zillow, September 2026).
What salary do you need to buy a house in Torrington?
About $130,900 a year for the typical home with 20% down at 7.11%.