What actually sets Connecticut apart
Connecticut abolished county government, so your bill is set entirely by the town or city. Two houses of identical value a mile apart, on opposite sides of a town line, can differ by thousands of dollars a year. Compare mill rates by town, never by county.
Property taxes in Connecticut at a glance
- Average effective tax rate: 1.92% of home value per year
- Median home value: $343,200
- Estimated tax on a median-value home: $6,575 per year (about $548 per month)
- Rank by tax rate: 3rd of 50, highest first
- Rank by amount actually paid: 2nd of 50, highest first
- Where these figures come from: U.S. Census Bureau, American Community Survey 5-year estimates, for the Connecticut statewide averages shown above — ACS 2019-2023 5-year estimates, last reviewed September 2026.
Rate and bill agree in Connecticut
Connecticut sits 3rd of the fifty by tax rate and 2nd by the amount a median-value owner actually pays. That agreement is less common than it sounds: 19 of the 50 states move ten places or more between the two rankings, because home values vary far more widely than rates do. In Connecticut the 1.92% headline is a fair summary rather than a figure that needs correcting.
How Connecticut works out what you owe
Towns assess property at 70% of fair market value, then apply a mill rate to that figure. Revaluation is required every five years.
Connecticut sets no statutory limit on how fast a home's taxable value can rise, so a Connecticut assessment tracks the market more closely than it would in a capped state.
Exemptions Connecticut homeowners should claim
Each of these reduces a Connecticut bill every year you hold the property, and almost none are granted without a claim:
- Veterans' exemption: A reduction in assessed value for wartime veterans, increased for those with a service-connected disability and further increased for lower-income households.
- Elderly and disabled homeowners programme: A state-funded credit against the tax on a primary residence for owners aged 65 or older and for totally disabled owners, scaled by income.
Where you buy inside Connecticut changes the bill
A statewide average hides its extremes. Where they show up in Connecticut:
- Fairfield County: counties have no taxing power in Connecticut, so the town matters instead: mill rates across Fairfield towns vary by more than a factor of two
- Hartford County: the city of Hartford levies one of the highest mill rates in New England, while adjoining suburbs are far lower
- New Haven County: a similar city-versus-suburb split, with large differences across a short drive
Connecticut and its neighbours
The same $343,200 — the Connecticut median — taxed at each neighbouring state's average rate:
- New York at 1.6%: about $5,491 a year, roughly $1,084 less than the $6,575 a Connecticut owner would pay on the same value.
- Massachusetts at 1.11%: about $3,810 a year, roughly $2,765 less than the $6,575 a Connecticut owner would pay on the same value.
- Rhode Island at 1.32%: about $4,530 a year, roughly $2,045 less than the $6,575 a Connecticut owner would pay on the same value.
Appealing a Connecticut assessment
If the assessed value on your Connecticut home overstates what it is worth, the route is an appeal to the town Board of Assessment Appeals. The window is written appeals are due by 20 February following the assessment date, and it is strict — missing it means waiting a full cycle.
Frequently asked questions
When are Connecticut property taxes due, and when must exemption claims be filed?
The fiscal year starts in July, with instalments commonly due 1 July and 1 January depending on the town. Applications are filed with the town assessor, with the main programme running from February to mid-May.
Does this calculator use my exact Connecticut county tax rate?
No — it applies the Connecticut statewide average of 1.92%. Rates are set locally, and the spread inside Connecticut is wide enough to matter: on a $343,200 home, $3,207 a year separates Connecticut from an averagely taxed state before any county variation is counted. Check the parcel's own rate with its Connecticut county before relying on this figure.
Reference sources
Related calculators
How this estimate is built
Principal and interest come from the standard amortization formula, worked through in full on the formula reference page. Property tax, insurance, PMI and loan-program figures layer on top from published assumptions — each one sourced, dated and listed on the methodology page. Every result here is an estimate built from public data, not a quote: confirm the specifics with a lender before relying on it.
For developers
This calculation is also available as a REST API and through an MCP server, both running the same engine as this page — so the figures match by construction rather than by convention. No key required.