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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 7.250%.
  • The 30-Year Conventional Refinance rate is 7.375%.
  • Rates are current as of October 9, 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

Don't take our word for it. We've got 50,000 five-star reviews and counting. Read what real customers have to say.
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Vito and staff are amazing.

Terry E.

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July 23, 2026

5.0

David and Wendy are both awesome!! They made the process of buying our first house so easy and had great communication throughout the whole experience!

Brice P.

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August 24, 2026

5.0

Awesome experience. So thankful for this opportunity we had to get our house refinanced. Thank you Erik!!

Sarah B.

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September 5, 2026

5.0

They were quick to respond to my questions.And I felt like they run a very tight ship.Things went quickly and smoothly.

Brian F.

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August 20, 2026

5.0

Everything was great. Joandy and Zeida went above and beyond for us to get us into our dream home. Thank you.

Katerina P.

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September 9, 2026

5.0

I’ve worked with Danny on numerous transactions & his professionalism & expertise is unmatched 👍! Call him today!

Bj P.

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September 24, 2026

5.0

Jeff was very helpful through my process of getting my home . He help every step of the way he was on point . I would recommend everyone to go the Jeff if you looking buy a home .

Veonta R.

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July 18, 2026

5.0

Joshua always kept me apprised of all of the updates as we worked through the complex process of buying my home He is very knowledgeable and professiona. I highly recommend!!

Eduardo G.

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September 20, 2026

5.0

Working with Brian and his team was a pleasure. They were responsive, fast, and most importantly delivered on everything they said they would. I would highly recommend them to anyone in need of financing a home.

Mario D.

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July 14, 2026

5.0

Tom , michelle & all the team made my clients purchase extremely easy & without any problems , Tom had become a good friend & I would reach out again in the future , thank you so much xx😄

Sally W.

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August 6, 2026

5.0

Mallory worked with an old man who has zero technology skills and somehow got me through all of it. She probably should have lost her cool about 20 times but she remained calm and very professional every time and walked me through every step.

Mark W.

Verified Customer

August 8, 2026

5.0

One of the things iI was most impressed with is how well she kept me updated at the status of every step of the process.

Dorothy L.

Verified Customer

August 14, 2026

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