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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Connecticut residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in Connecticut, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Windsor Locks, Connecticut
- Payment to income ratio: 26.8%
- Median sale price: $316,449
- Median household income: $90,417
- Income needed to buy: $80,809
- Median monthly mortgage payment: $2,020
- See homes for sale in Windsor Locks on

#2. North Haven, Connecticut
- Payment to income ratio: 27.1%
- Median sale price: $449,169
- Median household income: $126,807
- Income needed to buy: $114,701
- Median monthly mortgage payment: $2,868
- See homes for sale in North Haven on

#3. Wethersfield, Connecticut
- Payment to income ratio: 28.4%
- Median sale price: $438,632
- Median household income: $118,523
- Income needed to buy: $112,010
- Median monthly mortgage payment: $2,800
- See homes for sale in Wethersfield on

#4. Naugatuck, Connecticut
- Payment to income ratio: 29.1%
- Median sale price: $350,126
- Median household income: $92,184
- Income needed to buy: $89,409
- Median monthly mortgage payment: $2,235
- See homes for sale in Naugatuck on

#5. Newington, Connecticut
- Payment to income ratio: 30.0%
- Median sale price: $385,762
- Median household income: $98,585
- Income needed to buy: $98,509
- Median monthly mortgage payment: $2,463
- See homes for sale in Newington on

#6. Manchester, Connecticut
- Payment to income ratio: 31.4%
- Median sale price: $314,885
- Median household income: $76,780
- Income needed to buy: $80,410
- Median monthly mortgage payment: $2,010
- See homes for sale in Manchester on

#7. Bristol, Connecticut
- Payment to income ratio: 31.6%
- Median sale price: $344,737
- Median household income: $83,458
- Income needed to buy: $88,033
- Median monthly mortgage payment: $2,201
- See homes for sale in Bristol on

#8. Orange, Connecticut
- Payment to income ratio: 32.1%
- Median sale price: $609,744
- Median household income: $145,625
- Income needed to buy: $155,706
- Median monthly mortgage payment: $3,893
- See homes for sale in Orange on

#9. East Haven, Connecticut
- Payment to income ratio: 32.8%
- Median sale price: $370,017
- Median household income: $86,498
- Income needed to buy: $94,489
- Median monthly mortgage payment: $2,362
- See homes for sale in East Haven on

#10. West Hartford, Connecticut
- Payment to income ratio: 33.5%
- Median sale price: $548,757
- Median household income: $125,616
- Income needed to buy: $140,132
- Median monthly mortgage payment: $3,503
- See homes for sale in West Hartford on

#11. East Hartford, Connecticut
- Payment to income ratio: 34.6%
- Median sale price: $302,321
- Median household income: $66,943
- Income needed to buy: $77,202
- Median monthly mortgage payment: $1,930
- See homes for sale in East Hartford on

#12. Derby, Connecticut
- Payment to income ratio: 36.7%
- Median sale price: $365,480
- Median household income: $76,263
- Income needed to buy: $93,330
- Median monthly mortgage payment: $2,333
- See homes for sale in Derby on

#13. Trumbull Center, Connecticut
- Payment to income ratio: 36.9%
- Median sale price: $599,720
- Median household income: $124,547
- Income needed to buy: $153,146
- Median monthly mortgage payment: $3,829
- See homes for sale in Trumbull Center on

#14. Meriden, Connecticut
- Payment to income ratio: 36.9%
- Median sale price: $330,832
- Median household income: $68,617
- Income needed to buy: $84,482
- Median monthly mortgage payment: $2,112
- See homes for sale in Meriden on

#15. Shelton, Connecticut
- Payment to income ratio: 37.0%
- Median sale price: $553,798
- Median household income: $114,739
- Income needed to buy: $141,419
- Median monthly mortgage payment: $3,535
- See homes for sale in Shelton on

#16. Ansonia, Connecticut
- Payment to income ratio: 37.1%
- Median sale price: $390,062
- Median household income: $80,585
- Income needed to buy: $99,607
- Median monthly mortgage payment: $2,490
- See homes for sale in Ansonia on

#17. Milford, Connecticut
- Payment to income ratio: 37.3%
- Median sale price: $535,816
- Median household income: $110,126
- Income needed to buy: $136,828
- Median monthly mortgage payment: $3,421
- See homes for sale in Milford on

#18. Wallingford Center, Connecticut
- Payment to income ratio: 38.2%
- Median sale price: $421,447
- Median household income: $84,554
- Income needed to buy: $107,622
- Median monthly mortgage payment: $2,691
- See homes for sale in Wallingford Center on

#19. Middletown, Connecticut
- Payment to income ratio: 39.1%
- Median sale price: $377,771
- Median household income: $73,979
- Income needed to buy: $96,469
- Median monthly mortgage payment: $2,412
- See homes for sale in Middletown on

#20. West Haven, Connecticut
- Payment to income ratio: 39.2%
- Median sale price: $376,411
- Median household income: $73,566
- Income needed to buy: $96,121
- Median monthly mortgage payment: $2,403
- See homes for sale in West Haven on