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Today's Mortgage Rates in Connecticut

Get a Lower rate in Connecticut whether you're buying, looking to get cash out of your home or lower your monthly mortgage payment.

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CT Mortgage Rate Insights

  • The 30-Year Conventional Mortgage rate is 6.250%.
  • The 30-Year Conventional Refinance rate is 6.375%.
  • Rates are current as of August 12, 2026.

Current Connecticut Mortgage Rates

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Mortgage Rates Trend in Connecticut

Historical rates shown for context only. See full disclosures below and current rates in the table above. View Legal Disclosures

What Affects Mortgage Rates in Connecticut

Connecticut mortgage pricing follows national lending markets rather than rates set at the state level. Your credit profile, loan structure, property details and other application factors can affect the pricing offered to you.

A mortgage quote for a home in Hartford can differ from one for a property in rural Connecticut when the borrower, property or loan details change.

When comparing mortgage offers, look at both the interest rate and the annual percentage rate, or APR. The interest rate is the percentage charged for borrowing the principal. APR is a broader annualized measure that includes the interest rate plus certain loan costs.

Comparing both figures can make differences between lender offers easier to spot, particularly when similar interest rates come with different qualifying costs.

 If you’re considering replacing an existing Connecticut mortgage, compare Connecticut refinance rates with your current loan terms.

Types of Mortgages Available in Connecticut

Connecticut residents buying a home can choose among several mortgage structures, while the property's planning region can affect how much you can borrow before a conventional loan enters jumbo territory.

  • A conventional fixed-rate mortgage keeps the same interest rate for the full loan term. Your credit profile, down payment, property and other application details affect the terms available to you.

  • FHA loans in Connecticut follow separate borrower and property requirements. FHA loan limits are separate from conforming limits and are published by local area.

  • Eligible borrowers can compare Connecticut VA loan rates. VA financing follows its own borrower and property requirements.

  • USDA loans combine borrower qualification with property eligibility and may apply when you are buying in an eligible rural part of Connecticut.

  • An adjustable-rate mortgage can change after its initial rate period according to the loan terms. Review the adjustment schedule and how future changes could affect the payment.

  • A jumbo loan finances an amount above the conforming limit that applies to the property's planning region. Connecticut's higher-cost planning regions are detailed below.

Buyers entering the market for the first time can compare first-time homebuyer loan options in Connecticut.

Mortgage insurance treatment depends on the loan program, so include mortgage insurance requirements by loan type when estimating the full payment.

2026 Conforming and Jumbo Loan Limits in Connecticut

Connecticut's 2026 one-unit conforming loan limit varies across its nine planning regions. Six planning regions use the $832,750 baseline, while three higher-cost planning regions have limits of $851,000 or $977,500.

The Federal Housing Finance Agency, or FHFA, sets conforming limits annually. Connecticut uses planning regions in the FHFA data rather than legacy county names, and the higher tiers reflect local median home values.

A one-unit loan becomes jumbo when the amount borrowed exceeds the conforming limit for the property's planning region. That means Connecticut does not have one statewide jumbo threshold. Buyers borrowing above the applicable limit can compare Connecticut jumbo loan rates.

Planning region 2026 one-unit conforming limit
Greater Bridgeport Planning Region $977,500
Western Connecticut Planning Region $977,500
Naugatuck Valley Planning Region $851,000

The other six planning regions use the $832,750 baseline. These figures apply to one-unit properties. Limits for two-, three- and four-unit properties are higher. The FHFA publishes annual conforming loan limit values by local area and property size.

FHA financing uses a separate limit system, so FHA loan limits in Connecticut are published separately by local area. The VA does not impose a loan limit for eligible borrowers with full entitlement. Lenders may still apply their own underwriting and loan-size requirements, and Connecticut VA loan rates are published separately.

Connecticut Mortgage Payment Examples By Rate

Connecticut's payment examples extend to a $900,000 mortgage. That amount is above the $832,750 baseline used in six planning regions but below the $977,500 limit in the two highest-cost planning regions. Use the Connecticut mortgage payment calculator to test a different loan amount or other mortgage details.

Loan Amount 5.50% 5.75% 6.00% 6.25% 6.50%
$900,000 $5,110 $5,252 $5,396 $5,541 $5,689
$800,000 $4,542 $4,669 $4,796 $4,926 $5,057
$700,000 $3,975 $4,085 $4,197 $4,310 $4,424
$600,000 $3,407 $3,501 $3,597 $3,694 $3,792
$500,000 $2,839 $2,918 $2,998 $3,079 $3,160
$400,000 $2,271 $2,334 $2,398 $2,463 $2,528
$300,000 $1,703 $1,751 $1,799 $1,847 $1,896

The figures cover principal and interest only. Property taxes, homeowners insurance, mortgage insurance, association fees and other costs are not included.

Connecticut Mortgage FAQs

Are there homebuyer assistance programs in Connecticut?

The Connecticut Housing Finance Authority provides information about available homebuyer programs, eligibility and application requirements.

What is the conforming loan limit in Connecticut for 2026?

The 2026 one-unit conforming limit is $832,750 in six of Connecticut's planning regions and reaches $977,500 in the three higher-cost planning regions. The table above shows each of the higher-cost planning regions and its limit.

How can I get a lower mortgage rate?

Your credit profile, debt load and down payment can affect the pricing offered to you. Compare mortgage offers using APR as well as the interest rate. Temporary rate buydowns and seller concessions can also affect the cost or payment structure of a transaction. Compare the complete terms of the offers you receive.

How will property taxes and insurance in Connecticut
affect my mortgage payment?

Property taxes and homeowners insurance are usually collected monthly when your mortgage uses an escrow account. The lender holds those amounts until the bills are due, so the full monthly payment exceeds principal and interest alone. Review escrow requirements by loan type and property taxes by state and county when estimating these costs.

Find Out Why Connecticut Loves Lower

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5.0

Claudia is a thoughtful and supportive guide through a challenging process. I would always recommend her.

Gabby R.

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August 9, 2026

5.0

This was the second time that I had looked to Tim Summers on a home loan. Tim and his team were wonderful to work with and were able to answer any questions we had without issues or delay. I have recommemend him to several people and will continue to do so. His knowledge and passion for his career doenst go unnoticed.

Whitney I.

Verified Customer

August 15, 2026

5.0

Angie was very helpful with all our questions and concerns!

Charles I.

Verified Customer

July 3, 2026

5.0

Nadia was knowledgeable and advised me on every step of the way she explained every process in detail and was patient

Jorge S.

Verified Customer

June 30, 2026

5.0

Kristen is always very helpful , kind, diligent, informative, and knowledgeable. We greatly appreciate her help! She is a true asset to your company.

Pete P.

Verified Customer

August 19, 2026

5.0

Jeff was outstanding throughout the entire home-buying process. His knowledge of the mortgage industry is exceptional, and he always took the time to thoroughly answer my questions and explain each step along the way. What stood out most was his commitment to helping me achieve homeownership, while other lenders seemed interested just to close on another loan. From start to finish, Jeff remained responsive, attentive, and proactive, ensuring that every detail was handled and that I made it to the closing table without unnecessary stress. His professionalism, integrity, and genuine concern for his clients reflect incredibly well on the company he represents. Having someone like Jeff on their team is a tremendous asset. I would confidently recommend him to anyone looking for a lender who truly puts their clients first.

Eric D.

Verified Customer

June 6, 2026

5.0

Mike did such a great job with my Clients loan. It was such a smooth transaction inspite of all the moving parts.

Stacey R.

Verified Customer

July 15, 2026

5.0

Shonna is very knowledgeable and professional, as well as friendly.

Christopher K.

Verified Customer

July 14, 2026

5.0

Easy to communicate. Very knowledgeable

Wanda N.

Verified Customer

June 17, 2026

5.0

(Translated by Google) Erik was a great help, always present every step of the way. He's very professional and knows what he's doing. Thank you so much, Erik! (Original) Erik fue de gran ayuda siempre estuvo presente en cada paso es muy profesional y sabe lo que hace , muchas gracias Erik

Carolina P.

Verified Customer

June 18, 2026

5.0

The lending process is intricate and at times complicated. Erik and his staff made it easy and smooth, especially during busy work weeks. There is always someone at Lower Mortgage who is available and willing to help. Highly recommend this company, Erik Gross and his amazing staff.

Amy S.

Verified Customer

August 8, 2026

5.0

Everything was great, Miranda made the whole entire process easy they explained everything that needed to be explained and did everything she could to help during this process and make it easy and understandable

Lesha J.

Verified Customer

August 3, 2026

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