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Mortgage Calculator &
Closing Costs: New Haven, CT

Mortgage payment estimates, closing cost breakdowns, and homebuying data for New Haven, Connecticut.

Median Home Price
$285K
Population
134K
Avg Monthly Rent
$1,480
Property Tax Rate
2.15%
New Haven vs Connecticut Median
The median home price in New Haven is $285,000, which is 30% below the Connecticut state median of $405,000.

Mortgage Calculator — New Haven, CT

Pre-filled with New Haven median home price and Connecticut tax/insurance rates. Adjust for your property.

$
$57,000
%
%
years
CT avg
%
$
Monthly Payment (PITI)
$2,127
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,441
per month
Taxes & Insurance
$686
per month
Total Interest Paid
$291K
over 30 years
Total Loan Cost
$519K
all payments
Payment Breakdown
Loan Amount$228,000
Principal & Interest$1,441
Property Taxes$511
Homeowners Insurance$175
Total Monthly PITI$2,127

Closing Costs — New Haven, CT

Estimated closing costs based on Connecticut rates and fees applied to New Haven prices.

$
%
Connecticut: Avg closing costs 2.1% of price. Transfer tax: 1.25%.
Estimated Closing Costs
$15,113
5.3% of purchase price
Lender Fees
$2,477
origination, underwriting
Third-Party
$2,875
appraisal, title, inspection
Government Fees
$3,563
transfer taxes, recording
Prepaids + Escrow
$6,199
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,052
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,725
Recording Fee$150
Transfer Tax$3,563
Prepaid Taxes (3 mo)$1,532
Prepaid Insurance (12 mo)$2,100
Prepaid Interest (15 days)$685
Escrow Reserves$1,882
Total Closing Costs$15,113

Buying a Home in New Haven, Connecticut

The median home price in New Haven is $285,000, 30% below the Connecticut state median of $405,000. With a population of 134,023, New Haven is a mid-size city where home prices tend to be more accessible than in many parts of Connecticut.

Property taxes in Connecticut average 2.15% annually. This higher-than-average tax rate means a $285,000 home in New Haven would carry roughly $511/month in property taxes alone — plan accordingly. Homeowners insurance in Connecticut runs approximately $2,100 per year. This is within the normal range nationally.

Average rent in New Haven is $1,480/month. The price-to-rent ratio in New Haven is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

New Haven presents moderate affordability. The $285K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

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Compare total costs of renting vs buying in New Haven.
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