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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Baltic, CT Housing Affordability Index

Baltic, Connecticut has an MBR Housing Affordability Index score of 116.6 (More Affordable Than Average) as of October 30, 2026, ranking 12th most affordable of 95 scored Connecticut cities, compared with 87.5 statewide and 97.4 nationally. On a median-priced $196,200 home with 20% down, the Connecticut average 30-year fixed rate of 7.25% means a monthly principal and interest payment of about $1,071, or 19% of the city’s $68,958 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Baltic is updated every night from live Connecticut mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Baltic MBR-HAI 116.6 More Affordable Than Average
Rank in Connecticut 12 of 95 1 = most affordable
Connecticut 87.5 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.25% Connecticut lenders
Median home value $196,200 U.S. Census Bureau

Baltic is 29.1 points above the Connecticut score. Scores as of October 30, 2026. See the Connecticut index

View Baltic Mortgage Rates

What It Takes to Buy in Baltic

$1,071/mo
Principal & Interest
Median home, 20% down, 7.25%
$45,900
Income Needed
To keep the payment at 28% of income
$68,958
Median Household Income
Connecticut: $95,781
2.8x
Price-to-Income Ratio
Connecticut: 3.8x
$979/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,640/yr
Median Property Tax
1.86% of median value
21.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
29.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Baltic, Connecticut. The rate is the Connecticut average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Baltic Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Baltic, Connecticut score: 116.6 (More Affordable Than Average), ranked 12 of 95 Connecticut cities. monitorbankrates.com/housing-affordability-index/connecticut/baltic”