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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

Waterbury, CT Housing Affordability Index

Waterbury, Connecticut has an MBR Housing Affordability Index score of 81.4 (Moderately Less Affordable) as of October 30, 2026, ranking 75th most affordable of 95 scored Connecticut cities, compared with 87.5 statewide and 97.4 nationally. On a median-priced $208,500 home with 20% down, the Connecticut average 30-year fixed rate of 7.25% means a monthly principal and interest payment of about $1,138, or 26% of the city’s $51,886 median household income.

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

Waterbury MBR-HAI 81.4 Moderately Less Affordable
Rank in Connecticut 75 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 $208,500 U.S. Census Bureau

Waterbury is 6.1 points below the Connecticut score. Scores as of October 30, 2026. See the Connecticut index

View Waterbury Mortgage Rates

What It Takes to Buy in Waterbury

$1,138/mo
Principal & Interest
Median home, 20% down, 7.25%
$48,800
Income Needed
To keep the payment at 28% of income
$51,886
Median Household Income
Connecticut: $95,781
4.0x
Price-to-Income Ratio
Connecticut: 3.8x
$1,495/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,627/yr
Median Property Tax
2.70% of median value
41.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
53.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Waterbury Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Waterbury, Connecticut score: 81.4 (Moderately Less Affordable), ranked 75 of 95 Connecticut cities. monitorbankrates.com/housing-affordability-index/connecticut/waterbury”