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Hartford, CT Mortgage Rates Today

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Current Mortgage Rates in Hartford

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Hartford housing market at a glance

September 2026 data

In Hartford, homes are selling in about 31 days (1 slower than a year ago), sales are up 4.3% from last year, and about 11% of listings have had a price cut.

Median sale price
$259,450
$146 per sq. ft.
Homes sold
122
▲ 4.3% vs. 117 last year
Days on market
31
vs. 30 days last year
Homes for sale
145
11 new listings
Listings with a price cut
11%
16 of 145 listings

Source: Movoto Hartford, CT market trends, September 2026. Last updated October 5, 2026.

What it costs to buy a home in Hartford

Monthly payments on Hartford's median home price of $259,450 (September 2026), at today's rates.

20% down · Conventional
$2,023/mo
Down payment
$51,890
Loan amount
$207,560
Rate
7.125%
Principal & interest
$1,398
Est. property tax
$435
Est. homeowners insurance
$190
5% down · Conventional
$2,285/mo
Down payment
$12,973
Loan amount
$246,478
Rate
7.125%
Principal & interest
$1,661
Est. property tax
$435
Est. homeowners insurance
$190
3.5% down · FHA
$2,298/mo
Down payment
$9,081
Loan amount
$254,751
Rate
6.875%
Principal & interest
$1,674
Est. property tax
$435
Est. homeowners insurance
$190

Payments include principal, interest, estimated Hartford property taxes, and estimated homeowners insurance. They do not include mortgage insurance (PMI or FHA monthly MIP), which applies with less than 20% down, or HOA dues. The FHA loan amount includes the 1.75% upfront mortgage insurance premium. These are examples based on the median price, not the sample loan used in the rate table above.

How much income do you need to buy a home in Hartford?

A common lender guideline is to keep your total housing payment (principal, interest, estimated Hartford property taxes, and estimated homeowners insurance) at or below 28% of your gross monthly income. Gross income is what you earn before taxes and other deductions come out of your paycheck. Based on that guideline, here's the yearly household income needed for Hartford's $259,450 median home:

20% down · Conventional$2,023/mo payment $86,710/yrabout $7,226/mo before taxes
5% down · Conventional$2,285/mo payment $97,947/yrabout $8,162/mo before taxes
3.5% down · FHA$2,298/mo payment $98,502/yrabout $8,209/mo before taxes

Why this matters: Keeping housing costs near 28% of your income leaves room for other bills, savings and the upkeep that comes with owning a home. It's a planning guideline, not a hard limit.

What lenders look at: Lenders also look at your debt-to-income (DTI) ratio, which adds your car, student loan and credit card payments to the new mortgage payment. Depending on the loan program and your credit, many lenders allow total debts of roughly 43% to 50% of gross income, so you may qualify with less income than shown, or need more if you carry other debt.

Household income counts: If you're buying with a partner or co-borrower, lenders can combine your incomes.

How rates change your payment

Principal and interest on a $207,560 loan (the Hartford median price with 20% down). Every 0.25% is worth about $35/mo.

Rate6.13%6.38%6.63%6.88%7.13%
today		7.38%
Monthly P&I$1,261$1,295$1,329$1,364$1,398$1,434

Ways to make a Hartford home more affordable

  • Ask for seller concessions. Homes take 31 days to sell, 1 more than last year. Sellers may cover closing costs or pay for a rate buydown.
  • Consider buying down your rate. On this example loan, a rate 0.5% lower saves about $69 a month.
  • Compare loan types. FHA rates are at 6.875% vs. 7.125% for conventional, with as little as 3.5% down. Compare by APR, including mortgage insurance.

Hartford mortgage and home buying FAQs

What are mortgage rates in Hartford today?

As of October 9, 2026, Lower’s 30-year fixed conventional rate in Hartford is 7.125% (7.434% APR), and the 30-year FHA rate is 6.875% (7.697% APR). Your rate depends on your credit, down payment, loan type and any points you pay. See the rate table above for points and full details.

What is the monthly payment on a median-priced home in Hartford?

On Hartford’s $259,450 median home price (September 2026), a 30-year conventional loan with 20% down at 7.125% comes to about $2,023 a month, including principal, interest, estimated Hartford property taxes, and estimated homeowners insurance. With an FHA loan and 3.5% down, it’s about $2,298 a month before monthly mortgage insurance.

How much income do I need to buy a house in Hartford?

To keep housing costs at 28% of gross (pre-tax) income, you’d need a household income of about $86,710 a year to buy Hartford’s $259,450 median home with 20% down, or about $98,502 with an FHA loan and 3.5% down. Lenders also consider your other debts, so the income you need may be higher or lower.

How much do I need for a down payment in Hartford?

On the $259,450 median home, 20% down is $51,890, 5% down is $12,973, and the FHA minimum of 3.5% is $9,081. Putting less than 20% down usually means paying mortgage insurance. You’ll also need money for closing costs.

Is it a buyer’s or seller’s market in Hartford right now?

In September 2026, Hartford homes sold in about 31 days, 1 days slower than a year earlier. 122 homes sold, up from 117 the year before, and about 11% of the 145 homes for sale have had a price cut.

How much does a quarter-point rate change affect payments in Hartford?

On a $207,560 loan (the median Hartford home with 20% down), each 0.25% change in rate moves the principal and interest payment by about $35 a month, or about $418 a year.

How much are property taxes in Hartford?

Lower estimates Hartford property taxes at about 2.01% of a home’s value per year. On the $259,450 median home, that’s roughly $5,215 a year, or $435 a month. Your actual bill depends on your assessed value and any exemptions.

Market data: Movoto, September 2026. Homeowners insurance estimates are based on average annual premiums in Hartford from The Zebra; your quote will vary. Rates as of October 9, 2026. Examples only; not an offer of credit. Your rate and payment depend on your credit, down payment, loan type and other factors.

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