METRO AREA · 49TH LARGEST

Cost of living in Hartford, CT

Rent, home values, family budgets, pay and taxes for the Hartford metro area, county by county.

The short answer: Typical rent in the Hartford metro area is $2,020 a month, +2.8% on a year earlier. A typical home in its median county is worth $415,364. A modest budget for two adults and two children runs $136,160 a year in the median county.
Housing

What a home costs in the Hartford area.

Across the 3 counties in the metro with their own Zillow home value, the median typical home is worth $415,364. Values changed +5.3% over the past year and +41.4% over five years at the median county.

With 10% down at 7.03%, the average 30-year rate on September 24, 2026, that home costs about $3,251 a month with tax, insurance and mortgage insurance, which takes $139,315 a year of income under the usual 28% guideline. The Economic Policy Institute publishes no median family income for these counties, so there is no local income to test it against. Try it with your own income.

What a household needs

A modest budget in the Hartford area.

The Economic Policy Institute prices what a modest but adequate standard of living costs in every county. In the median county of the metro, that comes to $57,333 a year for one adult and $136,160 for two adults and two children, of which $22,508 is childcare, against national averages of $47,367 and $101,771.

Prices, pay and taxes

The state picture.

Prices across Connecticut as a whole run 3.6% above the national average and rents 17.0% above the national average, by the Bureau of Economic Analysis's state measure. Median pay across all jobs in the state is $59,690 a year. Connecticut's top income tax rate on wages is 6.99%. These are statewide figures, not measured for the metro itself. The metro lies within Connecticut. Compare a salary with another state or work out take-home pay.

Every county in the metro

All 3 counties.

Hartford County$390,975+5.3%$1,998—$133,522
Middlesex County$467,522+4.9%$2,144—$144,592
Tolland County$415,364+5.6%$1,896—$136,160

A dash means the source publishes no figure for that county. Metro membership follows Zillow's own county-to-metro assignment.

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See every state and metro side by side

More about Connecticut

Cost of living · Income tax · Child care costs

Metro areasHartford, CT · Bridgeport, CT · New Haven, CT

Run the numbersTake-home pay in Connecticut · What a salary is worth in Connecticut · How much rent you can afford · What a car costs in Connecticut

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Where this comes from
Rent and home values
Zillow Observed Rent Index for the metro and Zillow Home Value Index by county, July 2026; changes compare the same month one and five years earlier.
Budgets and family income
Economic Policy Institute, Family Budget Calculator, 2026 edition, by county.
State figures
BEA Regional Price Parities 2024; BLS OEWS May 2025; 2026 state income tax tables.
Mortgage assumptions
Freddie Mac 30-year average of 7.03% on September 24, 2026; 10% down, 1.1% property tax, $1,700 a year of insurance, 0.75% mortgage insurance.
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