Local costs · Connecticut
What a home costs across Connecticut
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Connecticut, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $1,814 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- Connecticut state conveyance tax: graduated by price (tiered) — seller customarily paysMunicipal conveyance tax: 0.25% of price — seller customarily pays18 targeted investment communities (Stamford, Bridgeport, Hartford, New Haven...) may charge up to 0.5% municipal.On the $396,900 state median home, the buyer’s customary share is about $0; the seller customarily covers about $3,969.
- Title insurance
- Connecticut uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- Connecticut income tax is modeled at about 2.92% effective for a married household at $100,000 (3.92% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.
All 9 counties in Connecticut
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Capitol Planning Region | 1.99% | $880–$1,970typical $1,360 |
| Greater Bridgeport Planning Region | 2.02% | $1,410–$3,150typical $2,170 |
| Lower Connecticut River Valley Planning Region | 1.67% | $980–$2,190typical $1,510 |
| Naugatuck Valley Planning Region | 1.88% | $1,270–$2,840typical $1,960 |
| Northeastern Connecticut Planning Region | 1.42% | $1,290–$2,870typical $1,980 |
| Northwest Hills Planning Region | 1.67% | $1,120–$2,490typical $1,720 |
| South Central Connecticut Planning Region | 1.91% | $1,360–$3,030typical $2,090 |
| Southeastern Connecticut Planning Region | 1.62% | $1,430–$3,190typical $2,200 |
| Western Connecticut Planning Region | 1.42% | $1,250–$2,780typical $1,920 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.