A mortgage calculator that knows what state the house is in: principal and interest, plus Connecticut property tax at the state's effective rate (1.59% of value, ACS 2025 medians) and a closing-cost estimate in the CFPB's typical 2–5% range.
Loan: $339,120. Insurance estimated at 0.2% of value per year inside the monthly total.
P&I $2,143 · tax $562 · insurance $71
| Principal & interest / month | $2,143 |
| Property tax / year (1.59% effective) | $6,740 |
| Closing costs (one-time, estimate) | $10,174 |
| Total interest over the term | $432,529 |
The Census Bureau's ACS 2025 medians put Connecticut's typical bill at $6,725 on a $423,900 home — an effective 1.59%. Effective rates blend every local levy into one comparable number; your parcel's assessed value and local rates set the real bill.
Source: U.S. Census Bureau, ACS 2025 1-year estimates (tables B25077/B25103).
The CFPB puts typical buyer closing costs at 2–5% of the loan (origination, appraisal, title, prepaid escrows). The default here is 3% and the field is yours to change — no official schedule exists, and this page will not pretend one does. Connecticut transfer/recording charges sit inside that range for most purchases.
Source: Consumer Financial Protection Bureau, closing-cost guidance.
Property tax. At 1.59%, Connecticut adds $562 a month on the median home — in the highest-tax states that rivals a full percentage point of interest rate.
No — it is the state's median effective rate applied to your price. Assessments, exemptions (homestead and others) and local rates move real bills both ways; the county assessor's figure governs.
Below 20% down, lenders usually add private mortgage insurance (roughly 0.3–1.5% of the loan per year) until you reach ~20% equity. It is not in the default total — add it to the insurance line mentally if it applies.
Connecticut Mortgage Calculator with the costs other calculators skip: on the Connecticut median home ($423,900, ACS 2025), $2,776 a month — $2,143 principal & interest, $562 property tax at the state's 1.59% effective rate, plus closing costs of about $10,174.
100% free · No sign-up · No daily limits · No watermarks · Processed in your browser — files never leave your device
A mortgage calculator for Connecticut that includes Connecticut property tax and a closing-cost estimate alongside principal and interest.
On the median Connecticut home ($423,900): $2,776 a month, of which $562 is property tax.
The state's median tax bill is $6,725 a year (ACS 2025).
An effective 1.59% of value at the ACS medians — $6,725 a year on the median home.
No — they are one-time costs at closing, shown separately.
What is missing, broken, or could be better on this tool? Tell us — we read every suggestion.
✅ Thanks — your suggestion has been received. Suggestions like yours shape what we build next.