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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

Niantic, CT Housing Affordability Index

Niantic, Connecticut has an MBR Housing Affordability Index score of 77.0 (Moderately Less Affordable) as of October 30, 2026, ranking 79th most affordable of 95 scored Connecticut cities, compared with 87.5 statewide and 97.4 nationally. On a median-priced $396,000 home with 20% down, the Connecticut average 30-year fixed rate of 7.25% means a monthly principal and interest payment of about $2,161, or 32% of the city’s $81,250 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Niantic 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.

Niantic MBR-HAI 77.0 Moderately Less Affordable
Rank in Connecticut 79 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 $396,000 U.S. Census Bureau

Niantic is 10.4 points below the Connecticut score. Scores as of October 30, 2026. See the Connecticut index

View Niantic Mortgage Rates

What It Takes to Buy in Niantic

$2,161/mo
Principal & Interest
Median home, 20% down, 7.25%
$92,600
Income Needed
To keep the payment at 28% of income
$81,250
Median Household Income
Connecticut: $95,781
4.9x
Price-to-Income Ratio
Connecticut: 3.8x
$1,618/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$6,216/yr
Median Property Tax
1.57% of median value
34.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
54.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Niantic Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Niantic, Connecticut score: 77.0 (Moderately Less Affordable), ranked 79 of 95 Connecticut cities. monitorbankrates.com/housing-affordability-index/connecticut/niantic”