State rent research · editorial review 2026-10-24
Average Rent in Connecticut: ZIPs, Fair Rent & Deposit Escrow
The median of 110 tracked Connecticut ZIP rent indices is $2,313 per month for September 2026.
Equal weight per ZIP · all homes and bedrooms combined · derived from Zillow’s smoothed asking-rent indices; this ZIP series is not seasonally adjusted. This is not a provider-published statewide estimate, an average paid by tenants or a rent quote for a particular home.
Hartford’s apartment outlook does not establish a town’s lawful rent or convert a statewide ZIP benchmark into a subject quote. Connecticut’s stored legacy county labels also differ from current Census planning regions. At move-in, a refundable deposit can enlarge the bank balance without increasing rental income or the owner’s repair funds.

2007-07-02 · Elipongo · Original photograph · Public domain. Resized and converted to WebP.
What the rent evidence changes for a rental decision
Use matched leases and the actual municipality, verify any commission records and keep legacy source geography labeled. Reconcile rent, protected deposit principal and required interest separately. Fund the owner’s repairs with owner cash rather than treating a tenant’s escrow as an income gain.
Hartford apartments and Connecticut source geography
A tight regional market does not identify the subject’s town or rent
IRR’s August 2026 Hartford public summary describes tight apartment occupancy and moderated rent growth. Its 1.5%–2.5% growth range is a forward three-year projection, not observed annual growth or a property quote. Separately, Census explains that Connecticut’s nine planning regions replaced eight former counties; the current ZIP source here still supplies those legacy county labels.
Use the apartment outlook to investigate the renewal book, not to insert forecast growth into every Connecticut lease. The comparisons below preserve the supplied geography. Renaming a legacy Fairfield or Hartford county group as a current planning region would falsely imply compatible boundaries and membership.
Decision. Obtain current signed comparables in the actual town, property type and service package. Keep ZIP dates and sample counts together. Use a verified crosswalk only if a later analysis genuinely requires planning-region statistics; no such transformation is claimed here.
What could change it. A scarce layout with a verified renewal book may support a stronger case. New supply, owner-paid services, a different town or changing ZIP membership can undermine it. Differences between current group medians are not rent growth.
Records to obtain. Actual town/parcel, signed leases, concessions, receipts, original source geography and a documented crosswalk if one is later used.
Read the source reports
- IRR Hartford Mid-Year Viewpoint 2026 — August 2026 public Hartford apartment summary; mid-year observations and separately identified forward outlook; accessed October 24, 2026.
- Census 2022 geographic levels and Connecticut county equivalents — Current Census explanation read October 24, 2026: nine planning regions replace eight former counties for that statistical geography.
City of Hartford fair-rent review
A rent reference cannot replace a municipal hearing or existing order
Hartford’s current commission page describes its authority to address unreasonable rent increases. The state’s process toolkit explains municipal complaints, review of relevant circumstances and hearing outcomes. This is a local review process, not a uniform statewide percentage that can be applied to the ZIP table.
A proposed increase, its contractual timing and an applicable commission decision are different records. The property’s condition, comparable services and expenses can matter. A ZIP label spanning several towns cannot identify the right commission or resolve a pending case.
Decision. Verify the actual municipality and its current commission procedure. Obtain the lease, increase notice, condition records, comparable leases, expenses and any written orders before budgeting a disputed increase. Follow current official instructions for an actual case rather than using this page as a direction to withhold rent.
What could change it. A commission may find an increase fair or order a different outcome after review. A different town or tenancy can follow a different process; historic toolkit population counts are not treated as a current statewide coverage list.
Records to obtain. Parcel/town, applicable procedure, lease and notices, repair/inspection history, expenses, hearing record and written commission or court orders.
Read the source reports
- City of Hartford Fair Rent Commission — Current municipal program reviewed October 24, 2026; applies to the City of Hartford, not every Hartford County postal label.
- Connecticut DOH fair-rent commission toolkit — August 2024 toolkit reviewed October 24, 2026 for commission process; historical population/coverage counts are not asserted as current 2026 requirements.

Capture date unrecorded; uploaded 2008-12-10 · Eumenes12 · Original photograph · CC BY 3.0. Resized and converted to WebP.
Connecticut refundable security deposits
Tenant escrow is not the owner’s repair reserve
The Banking Department says a security deposit “remains the tenant’s property” and must be held in a Connecticut financial-institution escrow account. Its ordinary maximum is two months’ rent, reduced to one month for tenants 62 or older. The page publishes 0.49% for 2026 interest, with payment and late-rent rules requiring separate review.
The illustration assumes a lawful $4,000 deposit with $2,000 rent; it is not a universal required deposit. Receiving $6,000 at move-in does not create $6,000 of rent. The protected $4,000 cannot make an otherwise unfunded owner repair affordable merely because it appears in the bank balance.
Decision. Read the actual lease and applicable limit, obtain the escrow and tenant ledger, and reconcile any transfer at acquisition. Budget required interest and lawful refund/deduction procedures separately. A full 2026 year on $4,000 at the published rate illustrates $19.60, assuming the deposit is held throughout and no interest-forfeiture rule applies.
What could change it. A lower contracted deposit or the one-month limit changes the tenant’s initial cash requirement. Lawful documented deductions can affect settlement, but speculative future deductions are not current rental income or freely available repair cash.
Records to obtain. Lease, deposit receipt, applicable limit, escrow statement, tenant/interest ledger, acquisition transfer records and condition/refund documentation.
Read the source reports
- Connecticut Banking Department rental security deposits — Current primary guidance read October 24, 2026; escrow, tenant ownership, maximum deposits and published 2026 rate of 0.49%; no 2027 rate forecast.
Hypothetical Connecticut apartment · $2,000 first-month rent plus a lawful $4,000 refundable deposit · deposit is not required for every tenancy · no deposit principal enters NOI
Move-in receipt · $6,000
Solid · $2,000 first-month rent
Hatched · $4,000 refundable tenant deposit → separate escrow
Deposit principal added to rental income: $0.
Owner annual cash · $2,300
Separate assumed owner repair · $3,000
Owner funding gap · −$700
Tenant escrow stays separate. It does not fill this owner funding gap.
| Measure | Value | Definition |
|---|---|---|
| First-month rent | 2,000 | $2,000 contractual rent; subject to the actual tenancy and collections. |
| Refundable deposit held separately | 4,000 | $4,000 assumed lawful principal; tenant property, not rent or owner repair funds. |
| Total move-in receipt | 6,000 | $2,000 + $4,000 = $6,000 received, allocated to two different purposes. |
| Reference annual cash after costs/debt/reserves | 2,300 | $22,800 collected rent less $7,000 costs, $12,500 debt and $1,000 reserves. |
| Separate assumed owner repair | 3,000 | $3,000 initial owner cash use, outside recurring NOI; not a bid or deposit deduction. |
| Owner cash after that repair | -700 | $2,300 − $3,000 = −$700; adding tenant deposit principal would falsely show $3,300. |
The split classifies cash by ownership and purpose; it is not a chart of profit. The lower bridge uses the annual worksheet budget, not twelve repetitions of the move-in receipt. The $7,000 operating budget includes any required deposit-interest provision, so the separate $19.60 full-year interest illustration must not be deducted twice. Actual deposit settlement and any lawful claim require their own evidence.
Read the source reports
- Connecticut Banking Department rental security deposits — Current primary guidance read October 24, 2026; escrow, tenant ownership, maximum deposits and published 2026 rate of 0.49%; no 2027 rate forecast.
Compare rents across these county groups
These are the source’s eight legacy county labels, not Connecticut’s nine current Census planning regions. No crosswalk or planning-region aggregation has been applied. Use the actual town/city for rent, inspection and tenancy rules; a Hartford County label is not the City of Hartford.
These analyst-selected sets use the listed county labels and the same September 2026 observation month. Each ZIP receives one equal vote. They are not official metro definitions, exhaustive regions or bedroom comparisons.
8 distinct county labels appear in the current sample; geographic coverage is incomplete and uneven. Only currently available observations from the same latest month enter these comparisons. Older retained records and missing ZIPs do not enter as zero rents.
| Comparison and exact membership | ZIP median | ZIP count |
|---|---|---|
| Legacy Fairfield label Fairfield | $2,767 | 31 |
| Legacy Hartford label Hartford | $1,945 | 29 |
| Legacy New Haven label New Haven | $1,964 | 31 |
| Legacy New London label New London | $2,197 | 10 |
| Legacy Middlesex label Middlesex | $2,395 | 3 |
| Legacy Litchfield label Litchfield | $1,773 | 2 |
| Legacy Tolland / Windham set Tolland, Windham | $1,793 | 4 |
Compare supported postal-city groups
City links require at least three current ZIP observations. Postal city labels are not legal municipal boundaries. Groups are ordered by coverage, then name; this is not an affordability ranking.
10 matching cities
| Postal city | ZIP median / month | ZIP mean / month | ZIP count |
|---|---|---|---|
| Hartford | $1,579 | $1,597 | 6 |
| Stamford | $2,907 | $2,932 | 6 |
| Waterbury | $1,562 | $1,541 | 6 |
| Bridgeport | $2,022 | $2,031 | 5 |
| New Haven | $1,924 | $1,993 | 5 |
| Norwalk | $2,745 | $2,751 | 4 |
| Greenwich | $7,337 | $6,685 | 3 |
| Hamden | $2,276 | $2,399 | 3 |
Show 2 more city groups
| Postal city | ZIP median / month | ZIP mean / month | ZIP count |
|---|---|---|---|
| New Britain | $1,651 | $1,662 | 3 |
| West Hartford | $2,375 | $2,506 | 3 |
Find a ZIP rent observation
The table preserves each source ZIP, date and supplied county label. A ZIP can cross county or municipal boundaries; verify the actual address separately. No bedroom multiplier is applied.
110 matching ZIPs
| ZIP | Postal city | County label | Index / month | Observation |
|---|---|---|---|---|
| 06002 | Bloomfield | Hartford County | $2,438 | September 2026 |
| 06010 | Bristol | Hartford County | $1,650 | September 2026 |
| 06019 | Canton | Hartford County | $2,342 | September 2026 |
| 06032 | Farmington | Hartford County | $2,538 | September 2026 |
| 06033 | Glastonbury | Hartford County | $2,489 | September 2026 |
| 06035 | Granby | Hartford County | $2,426 | September 2026 |
| 06040 | Manchester | Hartford County | $1,905 | September 2026 |
| 06042 | Manchester | Hartford County | $2,197 | September 2026 |
| 06051 | New Britain | Hartford County | $1,651 | September 2026 |
| 06052 | New Britain | Hartford County | $1,704 | September 2026 |
Show 100 more ZIP observations
| ZIP | Postal city | County label | Index / month | Observation |
|---|---|---|---|---|
| 06053 | New Britain | Hartford County | $1,631 | September 2026 |
| 06066 | Vernon | Tolland County | $1,869 | September 2026 |
| 06067 | Rocky Hill | Hartford County | $1,945 | September 2026 |
| 06074 | South Windsor | Hartford County | $2,372 | September 2026 |
| 06082 | Enfield | Hartford County | $1,806 | September 2026 |
| 06089 | Simsbury | Hartford County | $2,573 | September 2026 |
| 06095 | Windsor | Hartford County | $2,302 | September 2026 |
| 06103 | Hartford | Hartford County | $1,579 | September 2026 |
| 06105 | Hartford | Hartford County | $1,434 | September 2026 |
| 06106 | Hartford | Hartford County | $1,578 | September 2026 |
| 06107 | West Hartford | Hartford County | $3,015 | September 2026 |
| 06108 | East Hartford | Hartford County | $1,577 | September 2026 |
| 06109 | Wethersfield | Hartford County | $2,145 | September 2026 |
| 06110 | West Hartford | Hartford County | $2,375 | September 2026 |
| 06111 | Newington | Hartford County | $2,556 | September 2026 |
| 06112 | Hartford | Hartford County | $1,702 | September 2026 |
| 06114 | Hartford | Hartford County | $1,521 | September 2026 |
| 06118 | East Hartford | Hartford County | $1,683 | September 2026 |
| 06119 | West Hartford | Hartford County | $2,129 | September 2026 |
| 06120 | Hartford | Hartford County | $1,769 | September 2026 |
| 06226 | Willimantic | Windham County | $1,717 | September 2026 |
| 06238 | Coventry | Tolland County | $2,899 | September 2026 |
| 06239 | Killingly | Windham County | $1,650 | September 2026 |
| 06320 | New London | New London County | $1,700 | September 2026 |
| 06333 | East Lyme | New London County | $2,671 | September 2026 |
| 06340 | Groton | New London County | $2,197 | September 2026 |
| 06351 | Griswold | New London County | $1,882 | September 2026 |
| 06355 | Groton | New London County | $2,688 | September 2026 |
| 06357 | East Lyme | New London County | $2,683 | September 2026 |
| 06360 | Norwich | New London County | $1,840 | September 2026 |
| 06378 | Stonington | New London County | $2,985 | September 2026 |
| 06379 | Stonington | New London County | $1,763 | September 2026 |
| 06385 | Waterford | New London County | $2,197 | September 2026 |
| 06401 | Ansonia | New Haven County | $1,875 | September 2026 |
| 06405 | Branford | New Haven County | $2,464 | September 2026 |
| 06410 | Cheshire | New Haven County | $2,760 | September 2026 |
| 06416 | Cromwell | Middlesex County | $2,395 | September 2026 |
| 06418 | Derby | New Haven County | $1,914 | September 2026 |
| 06443 | Madison | New Haven County | $3,574 | September 2026 |
| 06450 | Meriden | New Haven County | $1,939 | September 2026 |
| 06451 | Meriden | New Haven County | $1,964 | September 2026 |
| 06457 | Middletown | Middlesex County | $1,962 | September 2026 |
| 06460 | Milford | New Haven County | $2,512 | September 2026 |
| 06461 | Milford | New Haven County | $2,374 | September 2026 |
| 06471 | North Branford | New Haven County | $1,750 | September 2026 |
| 06473 | North Haven | New Haven County | $2,727 | September 2026 |
| 06475 | Old Saybrook | Middlesex County | $2,767 | September 2026 |
| 06477 | Orange | New Haven County | $2,908 | September 2026 |
| 06478 | Oxford | New Haven County | $2,710 | September 2026 |
| 06484 | Shelton | Fairfield County | $2,476 | September 2026 |
| 06492 | Wallingford | New Haven County | $1,976 | September 2026 |
| 06510 | New Haven | New Haven County | $2,399 | September 2026 |
| 06511 | New Haven | New Haven County | $1,924 | September 2026 |
| 06512 | East Haven | New Haven County | $2,358 | September 2026 |
| 06513 | New Haven | New Haven County | $1,759 | September 2026 |
| 06514 | Hamden | New Haven County | $2,276 | September 2026 |
| 06515 | New Haven | New Haven County | $1,982 | September 2026 |
| 06516 | West Haven | New Haven County | $1,910 | September 2026 |
| 06517 | Hamden | New Haven County | $2,175 | September 2026 |
| 06518 | Hamden | New Haven County | $2,745 | September 2026 |
| 06519 | New Haven | New Haven County | $1,903 | September 2026 |
| 06604 | Bridgeport | Fairfield County | $1,793 | September 2026 |
| 06605 | Bridgeport | Fairfield County | $2,089 | September 2026 |
| 06606 | Bridgeport | Fairfield County | $2,323 | September 2026 |
| 06608 | Bridgeport | Fairfield County | $1,929 | September 2026 |
| 06610 | Bridgeport | Fairfield County | $2,022 | September 2026 |
| 06611 | Trumbull | Fairfield County | $3,102 | September 2026 |
| 06614 | Stratford | Fairfield County | $2,600 | September 2026 |
| 06615 | Stratford | Fairfield County | $2,368 | September 2026 |
| 06702 | Waterbury | New Haven County | $1,350 | September 2026 |
| 06704 | Waterbury | New Haven County | $1,498 | September 2026 |
| 06705 | Waterbury | New Haven County | $1,644 | September 2026 |
| 06706 | Waterbury | New Haven County | $1,564 | September 2026 |
| 06708 | Waterbury | New Haven County | $1,632 | September 2026 |
| 06710 | Waterbury | New Haven County | $1,560 | September 2026 |
| 06770 | Naugatuck | New Haven County | $1,895 | September 2026 |
| 06776 | New Milford | Litchfield County | $1,956 | September 2026 |
| 06790 | Torrington | Litchfield County | $1,589 | September 2026 |
| 06804 | Brookfield | Fairfield County | $2,733 | September 2026 |
| 06810 | Danbury | Fairfield County | $2,614 | September 2026 |
| 06811 | Danbury | Fairfield County | $2,509 | September 2026 |
| 06820 | Darien | Fairfield County | $5,634 | September 2026 |
| 06824 | Fairfield | Fairfield County | $3,903 | September 2026 |
| 06825 | Fairfield | Fairfield County | $2,929 | September 2026 |
| 06830 | Greenwich | Fairfield County | $4,215 | September 2026 |
| 06831 | Greenwich | Fairfield County | $7,337 | September 2026 |
| 06850 | Norwalk | Fairfield County | $2,767 | September 2026 |
| 06851 | Norwalk | Fairfield County | $2,645 | September 2026 |
| 06854 | Norwalk | Fairfield County | $2,722 | September 2026 |
| 06855 | Norwalk | Fairfield County | $2,869 | September 2026 |
| 06870 | Greenwich | Fairfield County | $8,503 | September 2026 |
| 06877 | Ridgefield | Fairfield County | $3,189 | September 2026 |
| 06880 | Westport | Fairfield County | $5,578 | September 2026 |
| 06897 | Wilton | Fairfield County | $4,062 | September 2026 |
| 06901 | Stamford | Fairfield County | $3,087 | September 2026 |
| 06902 | Stamford | Fairfield County | $3,010 | September 2026 |
| 06903 | Stamford | Fairfield County | $3,500 | September 2026 |
| 06905 | Stamford | Fairfield County | $2,723 | September 2026 |
| 06906 | Stamford | Fairfield County | $2,803 | September 2026 |
| 06907 | Stamford | Fairfield County | $2,467 | September 2026 |
Can owner funds cover the work without using a tenant’s deposit?
Hypothetical apartment: $2,000 monthly rent, 5% annual vacancy/noncollection, no free month, $7,000 operating costs including any required deposit-interest provision, $12,500 debt and $1,000 reserves. These are assumptions, not Connecticut property estimates. Refundable deposit principal is excluded from income and owner reserves. Initial repairs and acquisition cash are separate.
Initial calculated result: $22,800 collected rent, $15,800 NOI before debt/reserves, and $2,300 cash after debt/reserves. Change the assumptions below to test your own budget.
Illustration · one apartment · first 12 months · USD. Editable assumptions, not observed market averages or an acquisition recommendation. All recurring amounts are allocated per apartment. No appreciation, sale proceeds or tax benefits are assumed.
Annual cash after operating costs, debt and reserve contribution
$2,300This is a positive illustration margin, before initial capital work, income tax and sale costs.
- Scheduled rent
- $24,000
- − Vacancy / noncollection
- -$1,200
- − Occupied-share concession
- -$0
- = Effective rental income
- $22,800
- − Operating expenses
- -$7,000
- = NOI before debt / reserves
- $15,800
- − Debt service
- -$12,500
- − Reserve contribution
- -$1,000
- = Annual cash margin
- $2,300
NOI excludes debt service and this worksheet’s reserve contribution. Initial renovation, acquisition costs and initial downtime are outside this annual operating illustration. Do not subtract the same vacancy, incentive or repair expense twice.
On a narrow screen, scroll the table sideways to compare all three expense budgets.
| Collected occupancy | Entered expenses | Expenses +10% | Expenses +20% |
|---|---|---|---|
| 95% | $2,300Cash remaining | $1,600Cash remaining | $900Cash remaining |
| 90% | $1,100Cash remaining | $400Cash remaining | -$300Cash deficit |
| 85% | -$100Cash deficit | -$800Cash deficit | -$1,500Cash deficit |
Occupancy here is the collected share of scheduled rent before incentives, not a count of occupied doors. At the entered costs, break-even collected occupancy is 85.4%. Debt-service coverage is 1.26× NOI / debt service; it excludes reserve contributions.
Reference annual cash is $2,300. A separate $3,000 owner repair leaves −$700 before other initial uses. If one additional occupied-share month produces no rent, recurring cash falls to $400 and the combined repair case becomes −$2,600. The tenant’s $4,000 escrow does not remove either funding gap.
Use the full property cash-flow calculator for the purchase price, financing terms and holding period. Review its expense and reserve conventions before transferring assumptions; this illustration does not automatically populate a deal.
Connecticut rent questions
Is this a Connecticut one-bedroom average?
No. The equal-ZIP benchmark combines current all-home, all-bedroom smoothed asking-rent indices. It is not seasonally adjusted, not household-weighted and not a provider-published statewide estimate.
Are these Connecticut county groups current Census planning regions?
No. The source supplies eight legacy county labels. Current Census geography uses nine planning regions. This page preserves the original labels and does not claim to remap ZIPs to those regions.
Does Hartford’s commission set a statewide rent ceiling?
No. Check the actual municipality, current local procedure and applicable written orders. The ZIP benchmark cannot determine a lawful rent, the outcome of a complaint or a direction to withhold rent.
Can the owner use my deposit as income or a repair reserve?
The cited guidance treats principal as tenant property held in escrow. Lawful documented deductions and interest/refund duties require separate review. The illustration excludes deposit principal from rental income and owner repair funding.
How these rent figures are calculated
State: Connecticut · USPS CT · Census state FIPS 09. Zillow supplies postal ZIP observations with city and county labels. We filter to valid positive rents in this state and the latest common observation month, sort the values, and take the middle value, or the mean of the two middle values for an even count. Means are the sum divided by included ZIPs. No population, household or rental-unit weighting is added.
The all-home, all-bedroom ZIP series is smoothed, not seasonally adjusted. A bedroom rent cannot be inferred from it. Membership can change after a refresh, so a change in this page’s median is not a matched-sample rent-growth rate. This edition does not publish a ZIP-sample growth claim.
Data: Zillow Research · ZORI method · National ZIP source CSV. The state benchmark is our ZIP-based calculation, not a provider-published statewide estimate. Occupied-unit Census rent, listing medians, effective broker rents and HUD gross-rent references answer different questions and are not blended here.
The observation month identifies the rent data available for this comparison. Historical or missing latest observations stay out of the current sample. Check the date before comparing a property with a newly advertised offer.
Market and legal sources below were reviewed 2026-10-24. Their own periods are shown next to each claim. Broker samples and boundaries are not fully disclosed; surveys may share underlying providers and should not be treated as independent experiments. The market interpretation is conditional research, not a property-level income guarantee. Recheck local rules, signed comparable leases and actual expenses before using an illustration in a transaction.
Read the source reports
- IRR Hartford Mid-Year Viewpoint 2026 — August 2026 public Hartford apartment summary; mid-year observations and separately identified forward outlook; accessed October 24, 2026.
- Census 2022 geographic levels and Connecticut county equivalents — Current Census explanation read October 24, 2026: nine planning regions replace eight former counties for that statistical geography.
- City of Hartford Fair Rent Commission — Current municipal program reviewed October 24, 2026; applies to the City of Hartford, not every Hartford County postal label.
- Connecticut DOH fair-rent commission toolkit — August 2024 toolkit reviewed October 24, 2026 for commission process; historical population/coverage counts are not asserted as current 2026 requirements.
- Connecticut Banking Department rental security deposits — Current primary guidance read October 24, 2026; escrow, tenant ownership, maximum deposits and published 2026 rate of 0.49%; no 2027 rate forecast.