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All 169 Towns · FHA & CHFA Rules

Connecticut Home Affordability Calculator

Built on the rules that actually decide your approval: student loans count at 0.5% of balance even when deferred, 30-day charge cards paid in full are excluded, and property tax is 70% of market value times your town's mill rate.

Maximum purchase price

Your numbers

Income

Annual gross salary

Debt-to-income ceiling43%

Monthly debts

Car payment

Student loan balanceCounted at 0.5% per month even if deferred

Documented student loan paymentLeave at 0 to use the 0.5% rule

Other monthly debtCredit card minimums, personal loans

The property

Town

Mill rate

Assessment

Property type

HOA / month

Insurance / month

The loan

Down payment

Interest rate

Mortgage insurance

%/yr

Term

yrs

CHFA target area — cuts the rate 0.25% and waives the first-time-buyer rule

Current rentFor the comparison below

Monthly breakdown

Principal & interest

—

Housing as % of gross income—

All debt as % of gross income—

Tick marks sit at the classic 28% housing and 36% total-debt guidelines.

Cash to close, and lifetime cost

Closing costs are estimated at 3% of purchase price, a typical Connecticut range of 2% to 5%. Connecticut also charges a state conveyance tax paid by the seller, not you. Lifetime interest assumes you hold the loan the full term and never refinance.

All 169 Connecticut towns

Town	Mill	Your max	Single-fam median	Condo median	Reach?
Andover	31.59	$419,163	—	—	no data
Ansonia TGT	28.55	$436,864	$380,000	$249,500	clears median
Ashford	36.38	$405,402	—	—	no data
Avon	30.75	$421,675	$755,000	$426,500	out of reach
Barkhamsted	23.94	$443,204	—	—	no data
Beacon Falls	30.46	$422,549	—	—	no data
Berlin	30.65	$421,976	$471,000	$380,000	below median
Bethany	29.14	$426,574	—	—	no data
Bethel	30.41	$422,700	—	—	no data
Bethlehem	22.58	$447,770	—	—	no data
Bloomfield	35.64	$407,462	$408,000	$410,000	below median
Bolton	32.30	$417,063	$440,000	—	below median
Bozrah	23.50	$444,671	—	—	no data
Branford	21.40	$451,808	—	—	no data
Bridgeport TGT	43.45	$393,531	$405,000	$200,000	below median
Bridgewater	19.00	$460,251	—	—	no data
Bristol TGT	33.75	$420,698	$370,000	$232,350	clears median
Brookfield	28.93	$427,221	—	—	no data
Brooklyn	23.28	$445,408	$420,000	$355,000	clears median
Burlington	26.60	$434,538	$604,950	$327,450	out of reach
Canaan	22.44	$448,245	—	—	no data
Canterbury	16.76	$468,420	$455,000	—	clears median
Canton	33.50	$413,562	$617,500	$280,000	out of reach
Chaplin	31.38	$419,803	$352,500	—	clears median
Cheshire	29.74	$424,735	$565,000	$503,565	out of reach
Chester	27.08	$433,010	—	—	no data
Clinton	31.14	$420,505	—	—	no data
Colchester	29.92	$424,186	$517,450	$374,000	out of reach
Colebrook	33.70	$412,984	—	—	no data
Columbia	29.27	$426,174	—	—	no data
Cornwall	15.96	$471,408	—	—	no data
Coventry	23.76	$443,803	$402,500	$276,500	clears median
Cromwell	27.33	$432,219	$486,000	$254,500	below median
Danbury TGT	24.99	$448,668	—	$389,000	no data
Darien	15.48	$473,220	—	—	no data
Deep River	31.98	$418,007	—	—	no data
Derby	43.20	$387,281	$407,500	$287,450	below median
Durham	37.39	$402,605	$565,000	$203,000	out of reach
East Granby	30.50	$422,428	—	—	no data
East Haddam	28.06	$429,924	—	—	no data
East Hampton	39.71	$396,343	$475,000	$283,000	out of reach
East Hartford TGT	45.90	$387,216	$330,000	$204,500	clears median
East Haven	33.44	$413,736	$403,250	$241,500	clears median
East Lyme	28.01	$430,080	—	—	no data
East Windsor	24.89	$440,070	$383,000	$282,000	clears median
Eastford	21.20	$452,500	—	—	no data
Easton	31.00	$420,924	—	—	no data
Ellington	37.10	$403,402	$492,500	$190,700	out of reach
Enfield	31.50	$419,431	$347,000	$275,000	clears median
Essex	18.63	$461,580	—	—	no data
Fairfield	28.39	$428,895	—	—	no data
Farmington	26.62	$434,474	$597,550	$311,000	out of reach
Franklin	21.25	$452,327	—	—	no data
Glastonbury	32.83	$415,510	$627,000	$359,500	out of reach
Goshen	16.70	$468,643	—	—	no data
Granby	34.21	$411,518	$534,000	$290,000	out of reach
Greenwich	12.04	$486,616	—	—	no data
Griswold TGT	27.18	$441,333	$386,500	$225,000	clears median
Groton TGT	24.81	$449,282	$472,500	$264,250	below median
Guilford	27.65	$431,210	—	—	no data
Haddam	34.35	$411,117	—	—	no data
Hamden	51.88	$366,443	—	—	no data
Hampton	21.48	$451,532	—	—	no data
Hartford TGT	68.95	$413,492	$302,500	$129,000	clears median
Hartland	29.15	$426,543	—	—	no data
Harwinton	23.00	$446,350	—	—	no data
Hebron	36.85	$404,091	$535,000	$220,000	out of reach
Kent	16.87	$468,012	—	—	no data
Killingly	21.45	$451,636	$388,500	$280,000	clears median
Killingworth	26.22	$435,755	—	—	no data
Lebanon	22.00	$449,746	—	—	no data
Ledyard	37.14	$403,292	—	—	no data
Lisbon	26.70	$434,219	—	—	no data
Litchfield	20.00	$456,695	—	—	no data
Lyme	14.50	$476,961	—	—	no data
Madison	22.43	$448,279	—	—	no data
Manchester TGT	39.82	$403,277	$349,950	$248,000	clears median
Mansfield	20.00	$456,695	—	—	no data
Marlborough	37.74	$401,648	$460,000	$340,000	below median
Meriden TGT	37.91	$408,601	$352,500	$243,500	clears median
Middlebury	32.52	$416,417	—	—	no data
Middlefield	29.80	$424,552	$414,950	$340,000	clears median
Middletown TGT	31.70	$426,926	$412,500	$228,000	clears median
Milford	29.55	$425,315	—	$332,250	no data
Monroe	28.67	$428,025	—	—	no data
Montville	28.87	$427,406	$373,500	$190,000	clears median
Morris	19.43	$458,715	—	—	no data
Naugatuck	39.79	$396,130	$375,000	$206,111	clears median
New Britain TGT	39.18	$405,045	$330,000	$218,000	clears median
New Canaan	16.69	$468,676	—	—	no data
New Fairfield	26.33	$435,402	—	—	no data
New Hartford	26.87	$433,677	—	—	no data
New Haven TGT	39.40	$404,435	$367,000	$265,000	clears median
New London TGT	27.20	$441,267	$355,000	$234,000	clears median
New Milford	30.96	$421,044	—	—	no data
Newington	39.98	$395,627	$410,500	$265,000	below median
Newtown	28.74	$427,808	—	—	no data
Norfolk	22.49	$448,075	—	—	no data
North Branford	27.61	$431,336	—	—	no data
North Canaan	24.75	$440,529	$345,000	$194,250	clears median
North Haven	29.46	$425,591	—	—	no data
North Stonington	28.88	$427,375	—	—	no data
Norwalk TGT	32.00	$426,003	—	$430,000	no data
Norwich TGT	34.51	$418,434	$305,000	$242,250	clears median
Old Lyme	16.23	$470,395	—	—	no data
Old Saybrook	15.50	$473,144	—	—	no data
Orange	29.10	$426,697	—	—	no data
Oxford	20.01	$456,660	—	—	no data
Plainfield	21.36	$451,946	$389,950	$249,900	clears median
Plainville	34.36	$411,089	$370,000	$252,000	clears median
Plymouth	39.57	$396,715	$355,000	$272,500	clears median
Pomfret	19.89	$457,083	—	—	no data
Portland	35.30	$408,419	$427,500	$324,000	below median
Preston	25.11	$439,350	—	—	no data
Prospect	25.57	$437,853	—	—	no data
Putnam	17.90	$464,226	$375,000	$295,000	clears median
Redding	29.54	$425,346	—	—	no data
Ridgefield	27.39	$432,029	—	—	no data
Rocky Hill	30.24	$423,214	$465,000	$300,000	below median
Roxbury	13.00	$482,805	—	—	no data
Salem	30.20	$423,335	—	—	no data
Salisbury	11.00	$490,822	—	—	no data
Scotland	31.43	$419,639	—	—	no data
Seymour	27.72	$430,990	$439,000	$214,900	below median
Sharon	11.15	$490,211	—	—	no data
Shelton	18.82	$460,896	—	$479,050	no data
Sherman	16.67	$468,754	—	—	no data
Simsbury	33.02	$414,955	$627,000	$325,000	out of reach
Somers	30.21	$423,305	$519,950	$610,000	out of reach
South Windsor	35.61	$407,546	$517,000	$352,600	out of reach
Southbury	24.20	$442,342	—	—	no data
Southington	33.21	$414,403	$460,000	$290,000	below median
Sprague	30.40	$422,730	$401,000	—	clears median
Stafford	38.59	$399,342	$369,622	$267,500	clears median
Stamford TGT	27.17	$441,366	—	$447,000	no data
Sterling	22.00	$449,746	$405,500	—	clears median
Stonington	18.18	$463,208	—	—	no data
Stratford	40.20	$395,045	—	$362,500	no data
Suffield	23.41	$444,972	$537,500	$350,000	out of reach
Thomaston	35.81	$406,985	$337,500	$240,000	clears median
Thompson	19.00	$460,251	—	—	no data
Tolland	27.19	$432,662	$445,250	$332,500	below median
Torrington TGT	38.45	$407,081	$322,500	$215,000	clears median
Trumbull	35.69	$407,321	—	$550,000	no data
Union	23.68	$444,070	—	—	no data
Vernon TGT	36.09	$413,806	$378,250	$233,050	clears median
Voluntown	20.72	$454,169	$410,000	—	clears median
Wallingford	24.12	$442,607	$450,000	$278,000	below median
Warren	12.75	$483,792	—	—	no data
Washington	10.85	$491,434	—	—	no data
Waterbury TGT	44.98	$389,563	$315,000	$191,500	clears median
Waterford	22.36	$448,517	—	—	no data
Watertown	30.04	$423,821	—	—	no data
West Hartford	46.77	$378,430	$577,500	$340,000	out of reach
West Haven TGT	25.58	$446,668	$387,500	$212,500	clears median
Westbrook	22.50	$448,041	—	—	no data
Weston	23.90	$443,337	—	—	no data
Westport	18.86	$460,753	—	—	no data
Wethersfield	41.22	$392,370	$435,000	$284,000	below median
Willington	25.42	$438,340	—	—	no data
Wilton	24.41	$441,663	—	—	no data
Winchester	29.17	$426,481	$350,000	$199,500	clears median
Windham TGT	27.85	$439,136	$310,000	$262,500	clears median
Windsor	28.45	$428,708	$385,000	$345,000	clears median
Windsor Locks	23.99	$443,038	$350,000	$245,000	clears median
Wolcott	35.93	$406,649	—	—	no data
Woodbridge	32.62	$416,124	—	—	no data
Woodbury	23.62	$444,270	—	—	no data
Woodstock	23.04	$446,215	—	—	no data

Your max uses each town's own mill rate and assessment ratio with the property type, HOA and insurance set on the left. Medians are SmartMLS year-to-date sale prices through July 2026, available for 74 towns. A median means half of sales closed below it, so sitting modestly under one still leaves a real market to shop. TGT marks a CHFA target area.

How this calculates, and what it leaves out

Student loans. FHA counts the documented payment when it is above zero, otherwise 0.5% of the outstanding balance. Deferment, forbearance and legitimate $0 income-driven payments all trigger the 0.5% placeholder. This is the rule most calculators get wrong, and it is often the difference between approval and denial.

Charge cards. A 30-day account paid in full for twelve straight months is excluded entirely. A revolving credit card is not, so put its minimum payment into "other monthly debt."

Phone and subscriptions are not credit obligations and never appear in a debt-to-income calculation, so they are not modeled here. They still spend real money.

Property tax is assessed value times mill rate divided by 1,000. Assessed value is 70% of market value statewide under CGS 12-62a. Hartford is the sole exception at 36.75% for one to three family homes, which is preloaded.

Time To Own is 0% interest with no monthly payment, so it does not reduce buying power. CHFA's DAP second amortizes under Bulletin 297 and does carry a payment, so add it to "other monthly debt" if you plan to use it.

Not included: special fire or condo tax districts that stack on top of the town rate, mortgage insurance cancellation, escrow shortfalls, maintenance, or utilities. Thirty-three towns revalued on October 1, 2025, so their published mill rates are stale. Confirm the current rate with the town assessor before making an offer.

This is a planning tool, not a pre-approval or financial advice. An underwriter's number will differ. Verify mill rates with the town assessor and loan terms with a licensed lender before making any offer or financial decision.

Built by Aeriel Denmark · open source on GitHub · research and implementation assisted by Claude

Mill rates: Connecticut OPM dataset emyx-j53e, fiscal year 2026, all 169 towns. Medians: SmartMLS Local Market Update, July 2026 data published August 8, 2026, for 74 towns. Loan rules: HUD Handbook 4000.1 and CHFA published rates and program outlines. West Hartford shown at its own published FY2027 rate of 46.77.