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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

Cos Cob, CT Housing Affordability Index

Cos Cob, Connecticut has an MBR Housing Affordability Index score of 68.2 (Significantly Less Affordable) as of October 30, 2026, ranking 89th most affordable of 95 scored Connecticut cities, compared with 87.5 statewide and 97.4 nationally. On a median-priced $1,210,400 home with 20% down, a jumbo loan at 7.50% means a monthly principal and interest payment of about $6,769, or 43% of the city’s $190,481 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Cos Cob 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.

Cos Cob MBR-HAI 68.2 Significantly Less Affordable
Rank in Connecticut 89 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 $1,210,400 U.S. Census Bureau

Cos Cob is 19.3 points below the Connecticut score. Scores as of October 30, 2026. See the Connecticut index

View Cos Cob Mortgage Rates

What It Takes to Buy in Cos Cob

$6,769/mo
Principal & Interest
Median home, 20% down, 7.50% jumbo
$290,100
Income Needed
To keep the payment at 28% of income
$190,481
Median Household Income
Connecticut: $95,781
6.4x
Price-to-Income Ratio
Connecticut: 3.8x
$3,441/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$8,002/yr
Median Property Tax
0.66% of median value
24.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
64.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Cos Cob, Connecticut. The rate is the Connecticut average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state. A 20% down loan on the median home here is above the $832,750 conforming limit, so the index adds 0.25% for jumbo pricing.

Cite the Cos Cob Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Cos Cob, Connecticut score: 68.2 (Significantly Less Affordable), ranked 89 of 95 Connecticut cities. monitorbankrates.com/housing-affordability-index/connecticut/cos-cob”