Skip to content
Apply Now
Ready to get started?

Reach out and give us a call. We’re here to help.

Need support?

Have questions about your current product? Give us a call and we’ll sort it out.

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.

Get a Personalized Quote
>
A family of four sits on their front porch steps with their pomeranian.

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

Buy A Home
Lower My Rate

Get your personalized rate

We're all about lower rates — and lower stress. Our online process is seamless and stress-free, and our expert loan officers analyze your details to give you a personalized estimate so that you can make an informed decision.

See Personalized Rates
>
No-impact credit check. No commitment.

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.

Home prices and ownership costs in Hartford can differ from those in other parts of Connecticut. Buyers can compare Hartford mortgage rates and estimate monthly payments, down payment requirements and the income needed to purchase a median-priced home in the city.

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.
Trustpilot | Google | Zillow | Bankrate
5.0

Constant contact, quick responses, and a never quit attitude that gave results when we needed them.

Ryan P.

Verified Customer

August 8, 2026

5.0

Patrick was referred to us by a mutual friend. He is an amazing person, punctual and responsive. He helped guide us through the process and made it smooth as possible for my wife and I. I'm grateful for his service.

Louis S.

Verified Customer

July 17, 2026

5.0

Dane made everything go smoothly as possible with great communication and effort to make sure we got our new home. Would highly recommend him!

Preston M.

Verified Customer

September 26, 2026

5.0

Rick was awesome to work with and explained everything really well!

Hunter B.

Verified Customer

August 4, 2026

5.0

Irma was really helpful and knowledgeable. kept me informed and up to date throughout the entire process. And really helpful with all my questions as a first time homebuyer

Jesse E.

Verified Customer

September 5, 2026

5.0

We had a great experience with Glenn . He was very responsive and made our simi complicated mortgage request seemless. Thank you so much for making the process so easy . Highly recommend!!!

Ruby S.

Verified Customer

August 9, 2026

5.0

Great communication, simple step by step guidance through the process, and most of all, integrity. What was discussed, is exactly what happened, no changes, no surprises.

Robert G.

Verified Customer

August 21, 2026

5.0

Scott went appove and beyond to help me get through the house buying. He had an answer for every question. if he didn't he would find it. even after the closing I am having issues with paperwork that he has hel…ped me with. Also he has compassion and empathy for people and that is huge this day in age.

Dawn A.

Verified Customer

July 24, 2026

5.0

Her ability to guide and advise every step of the way

Albren C.

Verified Customer

September 22, 2026

5.0

I absolutely loved working with TJ. She was continuously supportive and patient with all the questions I had. She has amazing communication and is overall an amazing person to have on your team! I highly recommend wo…rking with her and her team!

Hannah K.

Verified Customer

September 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.

Verified Customer

August 24, 2026

5.0

Jeff was amazing made me feel like he had my best interest at heart.

Austin A.

Verified Customer

July 29, 2026

Lower Rates. Lower Stress. Free Refi for Life.

We combine a seamless, fully online experience with human expertise to help you get the best possible rate. Applying online comes with no commitment and a no-impact credit check.

50,000+ 5-star reviews
Lower rates
Easy online application
Fast closing
Seamless online process

And once you buy a home with Lower, you can refinance for free. For life.

Ready to get your personalized rate?

Apply today >

Clear
Selection