Total monthly cost of ownership
Cost to Own a Home in West Hartford, Connecticut
A $391,000 home here costs
$3,639per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $156,000 a year.
A standard mortgage calculator would have told you $2,132. The real number is $1,507 higher every month, 71% more than the payment most buyers budget for.
Compare Capitol Planning Region with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
West Hartford against Capitol Planning Region and Connecticut
| Measure | West Hartford | Capitol Planning Region |
|---|---|---|
| Median home value | $391,200 | $298,200 |
| Median property tax | $9,578 | $6,390 |
| Effective tax rate | 2.448% | 2.143% |
| Median gross rent | $1,665 | $1,351 |
| Population | 63,809 | 969,029 |
The weather behind that power bill
West Hartford sits in Capitol Planning Region, which averages a high of 84.6°F in its hottest month and a low of 20.3°F in its coldest, with 42.83" of precipitation a year and 27% of it in a single three-month stretch. That climate drives 914 cooling and 5,620 heating degree days, which is what sets the $170 electricity line above.
See the full climate breakdown for Capitol Planning Region , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Capitol Planning Region
Full Capitol Planning Region cost breakdown · Every county in Connecticut
Talk to someone who works this market
These are West Hartford averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works West Hartford every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in West Hartford I already own here and may sell
Common questions
How much does it cost to own a home in West Hartford?
A $391,000 home in West Hartford, Connecticut costs approximately $3,639 per month with 20% down at 7.24%. That is $2,132 principal and interest, $798 property tax, $145 homeowners insurance, $238 utilities and $326 set aside for maintenance.
What is the property tax rate in West Hartford?
West Hartford has an effective property tax rate of 2.448%, based on a median home value of $391,200 and median real estate taxes of $9,578. That is higher than the Capitol Planning Region average of 2.143%.
What is the average home price in West Hartford?
The median owner-occupied home value in West Hartford, Connecticut is $391,200, against $298,200 across Capitol Planning Region.
Is it cheaper to rent or buy in West Hartford?
Median gross rent in West Hartford is $1,665 a month, against $3,639 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in West Hartford?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in West Hartford, Connecticut at today's rate takes a household income of roughly $156,000 a year. That covers the full $3,639 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for West Hartford, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Connecticut.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.