Cost of living in Hartford, CT
1,171,426 people (Census 2025 estimate). Overall prices are 2.7% above the US average, with housing at 110.2 on BEA’s index (US = 100). A single renter on $60,000 keeps $805 a month after 2026 taxes and modeled costs.
Typical household budgets in Hartford, CT
Computed by MoveMath’s engine with 2026 tax law, HUD Fair Market Rent for the bedrooms each household needs, DOL 2022 childcare prices for Capitol Planning Region, CT in current dollars, USDA Moderate-Cost food, one car per adult and $1,000 a month of other spending at US-average prices scaled by local price levels.
| Per month | Single, $60k | Couple + toddler, $110k | Family of four, $95,118 |
|---|---|---|---|
| Gross income | $5,000 | $9,167 | $7,927 |
| Taxes | $1,019 | $1,688 | $1,151 |
| Take-home pay | $3,981 | $7,479 | $6,776 |
| Housing | $1,543 | $1,933 | $1,933 |
| Childcare | $0 | $1,748 | $1,960 |
| Food | $429 | $962 | $1,248 |
| Transportation | $174 | $347 | $347 |
| Sales tax | $31 | $31 | $31 |
| Other goods & services | $1,000 | $1,000 | $1,000 |
| Left over | $805 | $1,457 | $256 |
Family of four = two adults, a preschooler and a school-age child at the metro’s median household income ($95,118). Click a column to open it in the budget planner and change any input.
Price levels: Hartford, CT vs Connecticut and the US
BEA Regional Price Parities, 2024. 100 = US average; bars compare the metro (dark) with Connecticut statewide (light).
Within Connecticut, Hartford, CT ranks 3rd of 5 metros on overall prices; the state as a whole is at 103.6. The dashed line marks the US average.
Rent and homeownership
| Unit | HUD Fair Market Rent | Income needed at 30% | Share of median income |
|---|---|---|---|
| Studio | $1,346 | $53,840 | 17.0% |
| 1-bedroom | $1,543 | $61,720 | 19.5% |
| 2-bedroom | $1,933 | $77,320 | 24.4% |
| 3-bedroom | $2,303 | $92,120 | 29.1% |
| 4-bedroom | $2,542 | $101,680 | 32.1% |
FY2027 FMRs for Hartford-West Hartford-East Hartford, CT MSA: 40th-percentile gross rent (rent + tenant-paid utilities) for standard-quality units. Census median gross rent, all unit sizes: $1,416 (ACS 2020-2024).
Childcare prices in Capitol Planning Region, CT
| Age band | Center, weekly (2022) | Center, yearly today* | Home-based, weekly (2022) | Home-based, yearly today* |
|---|---|---|---|---|
| Infant (under 2) | $330 | $20,976 | $240 | $15,256 |
| Toddler (2) | $330 | $20,976 | $230 | $14,620 |
| Preschool (3–4) | $250 | $15,891 | $230 | $14,620 |
| School-age (5–12) | $120 | $7,628 | $120 | $7,628 |
DOL National Database of Childcare Prices, 2022 county medians for full-time care in Capitol Planning Region, CT (the metro’s principal county). *52 weeks × 1.2224, the BLS CPI change for day care and preschool from the 2022 average to 2026-08. NDCP still uses Connecticut’s legacy counties, so these are DOL’s prices for Hartford County, CT (legacy county containing Hartford).
Taxes: what you keep in Hartford
| Single filer, 2026 | $50,000 | $75,000 | $120,000 |
|---|---|---|---|
| Federal income tax | $3,820 | $7,670 | $17,570 |
| Social Security + Medicare | $3,825 | $5,738 | $9,180 |
| Connecticut income tax | $1,800 | $3,475 | $6,275 |
| Connecticut payroll taxes | $250 | $375 | $600 |
| Take-home pay / month | $3,359 | $4,812 | $7,198 |
| Share of pay to taxes | 19.4% | 23.0% | 28.0% |
No mandatory local income tax for residents of Hartford in our data. State sales tax: 6.35% (state rate only; local rates add on), groceries exempt.
Energy and fuel
EIA: electricity 2025, natural gas 2024, gasoline week ending 2026-10-05. Renters’ utilities are already inside gross rent.
Nearby metros
| Metro | Distance | Price level | 2-BR FMR | Single $60k left over |
|---|---|---|---|---|
| Hartford, CT | — | 102.7 | $1,933 | $805 |
| Waterbury, CT · compare | 23 mi | 99.8 | $1,745 | $1,012 (+$207) |
| Springfield, MA · compare | 25 mi | 96.1 | $1,800 | $903 (+$98) |
| New Haven, CT · compare | 34 mi | 104.6 | $2,091 | $605 (−$200) |
| Norwich, CT · compare | 34 mi | 100.4 | $1,902 | $830 (+$25) |
| Amherst Town, MA · compare | 42 mi | 100.2 | $2,034 | $731 (−$74) |
| Bridgeport, CT · compare | 48 mi | 106.9 | $2,399 | $277 (−$528) |
Common moves to and from Hartford, CT
Census ACS metro-to-metro migration flows (ACS 5-year 2016-2020), people who moved in a year.
- New Haven, CT6,058
- Boston, MA-NH3,327
- New Haven, CT7,830
- Bridgeport, CT4,069
Frequently asked questions
Is Hartford, CT expensive to live in?+
BEA’s Regional Price Parities put overall prices in the Hartford, CT metro at 102.7 (US = 100) in 2024 — 2.7% above the national average and the 49th highest of 387 metros. Housing is 110.2, goods 97.3.
What salary do you need to live in Hartford, CT?+
A single renter earning $60,000 keeps $3,981 a month after 2026 taxes and has $805 left after rent at HUD Fair Market Rent, food, fuel, sales tax and other modeled costs. Use the cost of living calculator to find the salary that matches your current budget.
How much is rent in Hartford, CT?+
HUD’s FY2027 Fair Market Rent — the 40th-percentile gross rent including utilities — is $1,543 for a 1-bedroom and $1,933 for a 2-bedroom. The Census median gross rent for all units is $1,416.
Does Hartford have a local income tax?+
No mandatory local income tax applies to residents of Hartford in our 2026 data. Connecticut state income tax does apply.