Hartford, CT Mortgage Calculator
Calculate your estimated mortgage payment for a home in Hartford, CT. Pre-filled with Hartford's average home price of $220,000, local property tax rate of 2.8%, and typical insurance costs.
$220,000
Avg. Home Price
2.8%
Property Tax Rate
$1,800
Avg. Annual Insurance
-
Est. Monthly Payment (PITI)
$1,775.77
? Monthly payment PITI with taxes & insurance included
$887.89
? Bi-weekly payment PITI if paid every other week
March 2056
? The date of the last payment
December 2052
? The date of the last bi-weekly payment
$224,478.30
? Total interest paid
$179,017.51
? Total interest paid if bi-weekly payments made
$513.33
? Monthly property tax paid (included in above PITI payment)
$150
? Monthly Home Insurance paid (included in above PITI payment)
| Payment | Interest | Principal | Balance |
|---|
| April 2026 | $953 | $159 | $175,841 |
| May 2026 | $952 | $160 | $175,681 |
| June 2026 | $952 | $161 | $175,520 |
| July 2026 | $951 | $162 | $175,358 |
| August 2026 | $950 | $163 | $175,196 |
| September 2026 | $949 | $163 | $175,032 |
| October 2026 | $948 | $164 | $174,868 |
| November 2026 | $947 | $165 | $174,703 |
| December 2026 | $946 | $166 | $174,537 |
| 2026 | $9,494 | $1,630 | $174,370 |
| January 2027 | $945 | $167 | $174,370 |
| February 2027 | $945 | $168 | $174,202 |
| March 2027 | $944 | $169 | $174,033 |
| April 2027 | $943 | $170 | $173,863 |
| May 2027 | $942 | $171 | $173,692 |
| June 2027 | $941 | $172 | $173,521 |
| July 2027 | $940 | $173 | $173,348 |
| August 2027 | $939 | $173 | $173,175 |
| September 2027 | $938 | $174 | $173,000 |
| October 2027 | $937 | $175 | $172,825 |
| November 2027 | $936 | $176 | $172,649 |
| December 2027 | $935 | $177 | $172,471 |
| 2027 | $11,273 | $2,076 | $172,293 |
| January 2028 | $934 | $178 | $172,293 |
| February 2028 | $933 | $179 | $172,114 |
| March 2028 | $932 | $180 | $171,934 |
| April 2028 | $931 | $181 | $171,753 |
| May 2028 | $930 | $182 | $171,571 |
| June 2028 | $929 | $183 | $171,388 |
| July 2028 | $928 | $184 | $171,203 |
| August 2028 | $927 | $185 | $171,018 |
| September 2028 | $926 | $186 | $170,832 |
| October 2028 | $925 | $187 | $170,645 |
| November 2028 | $924 | $188 | $170,457 |
| December 2028 | $923 | $189 | $170,268 |
| 2028 | $11,134 | $2,215 | $170,078 |
| January 2029 | $922 | $190 | $170,078 |
| February 2029 | $921 | $191 | $169,887 |
| March 2029 | $920 | $192 | $169,694 |
| April 2029 | $919 | $193 | $169,501 |
| May 2029 | $918 | $194 | $169,307 |
| June 2029 | $917 | $195 | $169,111 |
| July 2029 | $916 | $196 | $168,915 |
| August 2029 | $915 | $197 | $168,718 |
| September 2029 | $914 | $199 | $168,519 |
| October 2029 | $913 | $200 | $168,319 |
| November 2029 | $912 | $201 | $168,119 |
| December 2029 | $911 | $202 | $167,917 |
| 2029 | $10,985 | $2,364 | $167,714 |
| January 2030 | $910 | $203 | $167,714 |
| February 2030 | $908 | $204 | $167,510 |
| March 2030 | $907 | $205 | $167,305 |
| April 2030 | $906 | $206 | $167,099 |
| May 2030 | $905 | $207 | $166,891 |
| June 2030 | $904 | $208 | $166,683 |
| July 2030 | $903 | $210 | $166,473 |
| August 2030 | $902 | $211 | $166,263 |
| September 2030 | $901 | $212 | $166,051 |
| October 2030 | $899 | $213 | $165,838 |
| November 2030 | $898 | $214 | $165,624 |
| December 2030 | $897 | $215 | $165,408 |
| 2030 | $10,827 | $2,522 | $165,192 |
| January 2031 | $896 | $216 | $165,192 |
| February 2031 | $895 | $218 | $164,974 |
| March 2031 | $894 | $219 | $164,755 |
| April 2031 | $892 | $220 | $164,535 |
| May 2031 | $891 | $221 | $164,314 |
| June 2031 | $890 | $222 | $164,092 |
| July 2031 | $889 | $224 | $163,868 |
| August 2031 | $888 | $225 | $163,643 |
| September 2031 | $886 | $226 | $163,417 |
| October 2031 | $885 | $227 | $163,190 |
| November 2031 | $884 | $228 | $162,961 |
| December 2031 | $883 | $230 | $162,732 |
| 2031 | $10,658 | $2,691 | $162,501 |
| January 2032 | $881 | $231 | $162,501 |
| February 2032 | $880 | $232 | $162,269 |
| March 2032 | $879 | $233 | $162,035 |
| April 2032 | $878 | $235 | $161,800 |
| May 2032 | $876 | $236 | $161,564 |
| June 2032 | $875 | $237 | $161,327 |
| July 2032 | $874 | $239 | $161,088 |
| August 2032 | $873 | $240 | $160,849 |
| September 2032 | $871 | $241 | $160,607 |
| October 2032 | $870 | $242 | $160,365 |
| November 2032 | $869 | $244 | $160,121 |
| December 2032 | $867 | $245 | $159,876 |
| 2032 | $10,478 | $2,871 | $159,629 |
| January 2033 | $866 | $246 | $159,629 |
| February 2033 | $865 | $248 | $159,382 |
| March 2033 | $863 | $249 | $159,133 |
| April 2033 | $862 | $250 | $158,882 |
| May 2033 | $861 | $252 | $158,630 |
| June 2033 | $859 | $253 | $158,377 |
| July 2033 | $858 | $255 | $158,123 |
| August 2033 | $856 | $256 | $157,867 |
| September 2033 | $855 | $257 | $157,609 |
| October 2033 | $854 | $259 | $157,351 |
| November 2033 | $852 | $260 | $157,090 |
| December 2033 | $851 | $262 | $156,829 |
| 2033 | $10,286 | $3,064 | $156,566 |
| January 2034 | $849 | $263 | $156,566 |
| February 2034 | $848 | $264 | $156,302 |
| March 2034 | $847 | $266 | $156,036 |
| April 2034 | $845 | $267 | $155,769 |
| May 2034 | $844 | $269 | $155,500 |
| June 2034 | $842 | $270 | $155,230 |
| July 2034 | $841 | $272 | $154,958 |
| August 2034 | $839 | $273 | $154,685 |
| September 2034 | $838 | $275 | $154,410 |
| October 2034 | $836 | $276 | $154,134 |
| November 2034 | $835 | $278 | $153,857 |
| December 2034 | $833 | $279 | $153,578 |
| 2034 | $10,081 | $3,269 | $153,297 |
| January 2035 | $832 | $281 | $153,297 |
| February 2035 | $830 | $282 | $153,015 |
| March 2035 | $829 | $284 | $152,732 |
| April 2035 | $827 | $285 | $152,446 |
| May 2035 | $826 | $287 | $152,160 |
| June 2035 | $824 | $288 | $151,871 |
| July 2035 | $823 | $290 | $151,582 |
| August 2035 | $821 | $291 | $151,290 |
| September 2035 | $819 | $293 | $150,997 |
| October 2035 | $818 | $295 | $150,703 |
| November 2035 | $816 | $296 | $150,407 |
| December 2035 | $815 | $298 | $150,109 |
| 2035 | $9,862 | $3,488 | $149,810 |
| January 2036 | $813 | $299 | $149,810 |
| February 2036 | $811 | $301 | $149,509 |
| March 2036 | $810 | $303 | $149,206 |
| April 2036 | $808 | $304 | $148,902 |
| May 2036 | $807 | $306 | $148,596 |
| June 2036 | $805 | $308 | $148,288 |
| July 2036 | $803 | $309 | $147,979 |
| August 2036 | $802 | $311 | $147,668 |
| September 2036 | $800 | $313 | $147,356 |
| October 2036 | $798 | $314 | $147,041 |
| November 2036 | $796 | $316 | $146,725 |
| December 2036 | $795 | $318 | $146,408 |
| 2036 | $9,628 | $3,721 | $146,088 |
| January 2037 | $793 | $319 | $146,088 |
| February 2037 | $791 | $321 | $145,767 |
| March 2037 | $790 | $323 | $145,444 |
| April 2037 | $788 | $325 | $145,120 |
| May 2037 | $786 | $326 | $144,793 |
| June 2037 | $784 | $328 | $144,465 |
| July 2037 | $783 | $330 | $144,135 |
| August 2037 | $781 | $332 | $143,804 |
| September 2037 | $779 | $334 | $143,470 |
| October 2037 | $777 | $335 | $143,135 |
| November 2037 | $775 | $337 | $142,798 |
| December 2037 | $773 | $339 | $142,459 |
| 2037 | $9,379 | $3,970 | $142,118 |
| January 2038 | $772 | $341 | $142,118 |
| February 2038 | $770 | $343 | $141,775 |
| March 2038 | $768 | $344 | $141,431 |
| April 2038 | $766 | $346 | $141,084 |
| May 2038 | $764 | $348 | $140,736 |
| June 2038 | $762 | $350 | $140,386 |
| July 2038 | $760 | $352 | $140,034 |
| August 2038 | $759 | $354 | $139,680 |
| September 2038 | $757 | $356 | $139,324 |
| October 2038 | $755 | $358 | $138,967 |
| November 2038 | $753 | $360 | $138,607 |
| December 2038 | $751 | $362 | $138,245 |
| 2038 | $9,113 | $4,236 | $137,882 |
| January 2039 | $749 | $364 | $137,882 |
| February 2039 | $747 | $366 | $137,516 |
| March 2039 | $745 | $368 | $137,148 |
| April 2039 | $743 | $370 | $136,779 |
| May 2039 | $741 | $372 | $136,407 |
| June 2039 | $739 | $374 | $136,034 |
| July 2039 | $737 | $376 | $135,658 |
| August 2039 | $735 | $378 | $135,281 |
| September 2039 | $733 | $380 | $134,901 |
| October 2039 | $731 | $382 | $134,519 |
| November 2039 | $729 | $384 | $134,135 |
| December 2039 | $727 | $386 | $133,749 |
| 2039 | $8,829 | $4,520 | $133,361 |
| January 2040 | $724 | $388 | $133,361 |
| February 2040 | $722 | $390 | $132,971 |
| March 2040 | $720 | $392 | $132,579 |
| April 2040 | $718 | $394 | $132,185 |
| May 2040 | $716 | $396 | $131,789 |
| June 2040 | $714 | $399 | $131,390 |
| July 2040 | $712 | $401 | $130,989 |
| August 2040 | $710 | $403 | $130,586 |
| September 2040 | $707 | $405 | $130,181 |
| October 2040 | $705 | $407 | $129,774 |
| November 2040 | $703 | $409 | $129,364 |
| December 2040 | $701 | $412 | $128,953 |
| 2040 | $8,527 | $4,823 | $128,539 |
| January 2041 | $698 | $414 | $128,539 |
| February 2041 | $696 | $416 | $128,123 |
| March 2041 | $694 | $418 | $127,704 |
| April 2041 | $692 | $421 | $127,283 |
| May 2041 | $689 | $423 | $126,860 |
| June 2041 | $687 | $425 | $126,435 |
| July 2041 | $685 | $428 | $126,008 |
| August 2041 | $683 | $430 | $125,578 |
| September 2041 | $680 | $432 | $125,145 |
| October 2041 | $678 | $435 | $124,711 |
| November 2041 | $676 | $437 | $124,274 |
| December 2041 | $673 | $439 | $123,835 |
| 2041 | $8,204 | $5,146 | $123,393 |
| January 2042 | $671 | $442 | $123,393 |
| February 2042 | $668 | $444 | $122,949 |
| March 2042 | $666 | $446 | $122,502 |
| April 2042 | $664 | $449 | $122,054 |
| May 2042 | $661 | $451 | $121,602 |
| June 2042 | $659 | $454 | $121,148 |
| July 2042 | $656 | $456 | $120,692 |
| August 2042 | $654 | $459 | $120,234 |
| September 2042 | $651 | $461 | $119,772 |
| October 2042 | $649 | $464 | $119,309 |
| November 2042 | $646 | $466 | $118,843 |
| December 2042 | $644 | $469 | $118,374 |
| 2042 | $7,859 | $5,490 | $117,903 |
| January 2043 | $641 | $471 | $117,903 |
| February 2043 | $639 | $474 | $117,429 |
| March 2043 | $636 | $476 | $116,952 |
| April 2043 | $633 | $479 | $116,473 |
| May 2043 | $631 | $482 | $115,992 |
| June 2043 | $628 | $484 | $115,508 |
| July 2043 | $626 | $487 | $115,021 |
| August 2043 | $623 | $489 | $114,532 |
| September 2043 | $620 | $492 | $114,040 |
| October 2043 | $618 | $495 | $113,545 |
| November 2043 | $615 | $497 | $113,047 |
| December 2043 | $612 | $500 | $112,547 |
| 2043 | $7,491 | $5,858 | $112,044 |
| January 2044 | $610 | $503 | $112,044 |
| February 2044 | $607 | $506 | $111,539 |
| March 2044 | $604 | $508 | $111,031 |
| April 2044 | $601 | $511 | $110,520 |
| May 2044 | $599 | $514 | $110,006 |
| June 2044 | $596 | $517 | $109,489 |
| July 2044 | $593 | $519 | $108,970 |
| August 2044 | $590 | $522 | $108,448 |
| September 2044 | $587 | $525 | $107,923 |
| October 2044 | $585 | $528 | $107,395 |
| November 2044 | $582 | $531 | $106,864 |
| December 2044 | $579 | $534 | $106,331 |
| 2044 | $7,099 | $6,250 | $105,794 |
| January 2045 | $576 | $536 | $105,794 |
| February 2045 | $573 | $539 | $105,255 |
| March 2045 | $570 | $542 | $104,712 |
| April 2045 | $567 | $545 | $104,167 |
| May 2045 | $564 | $548 | $103,619 |
| June 2045 | $561 | $551 | $103,068 |
| July 2045 | $558 | $554 | $102,514 |
| August 2045 | $555 | $557 | $101,956 |
| September 2045 | $552 | $560 | $101,396 |
| October 2045 | $549 | $563 | $100,833 |
| November 2045 | $546 | $566 | $100,267 |
| December 2045 | $543 | $569 | $99,697 |
| 2045 | $6,680 | $6,669 | $99,125 |
| January 2046 | $540 | $572 | $99,125 |
| February 2046 | $537 | $576 | $98,550 |
| March 2046 | $534 | $579 | $97,971 |
| April 2046 | $531 | $582 | $97,389 |
| May 2046 | $528 | $585 | $96,804 |
| June 2046 | $524 | $588 | $96,216 |
| July 2046 | $521 | $591 | $95,625 |
| August 2046 | $518 | $594 | $95,030 |
| September 2046 | $515 | $598 | $94,433 |
| October 2046 | $512 | $601 | $93,832 |
| November 2046 | $508 | $604 | $93,228 |
| December 2046 | $505 | $607 | $92,620 |
| 2046 | $6,234 | $7,116 | $92,009 |
| January 2047 | $502 | $611 | $92,009 |
| February 2047 | $498 | $614 | $91,395 |
| March 2047 | $495 | $617 | $90,778 |
| April 2047 | $492 | $621 | $90,157 |
| May 2047 | $488 | $624 | $89,533 |
| June 2047 | $485 | $627 | $88,906 |
| July 2047 | $482 | $631 | $88,275 |
| August 2047 | $478 | $634 | $87,641 |
| September 2047 | $475 | $638 | $87,003 |
| October 2047 | $471 | $641 | $86,362 |
| November 2047 | $468 | $645 | $85,717 |
| December 2047 | $464 | $648 | $85,069 |
| 2047 | $5,757 | $7,592 | $84,417 |
| January 2048 | $461 | $652 | $84,417 |
| February 2048 | $457 | $655 | $83,762 |
| March 2048 | $454 | $659 | $83,103 |
| April 2048 | $450 | $662 | $82,441 |
| May 2048 | $447 | $666 | $81,775 |
| June 2048 | $443 | $669 | $81,106 |
| July 2048 | $439 | $673 | $80,432 |
| August 2048 | $436 | $677 | $79,756 |
| September 2048 | $432 | $680 | $79,075 |
| October 2048 | $428 | $684 | $78,391 |
| November 2048 | $425 | $688 | $77,703 |
| December 2048 | $421 | $692 | $77,012 |
| 2048 | $5,249 | $8,101 | $76,317 |
| January 2049 | $417 | $695 | $76,317 |
| February 2049 | $413 | $699 | $75,617 |
| March 2049 | $410 | $703 | $74,915 |
| April 2049 | $406 | $707 | $74,208 |
| May 2049 | $402 | $710 | $73,497 |
| June 2049 | $398 | $714 | $72,783 |
| July 2049 | $394 | $718 | $72,065 |
| August 2049 | $390 | $722 | $71,343 |
| September 2049 | $386 | $726 | $70,617 |
| October 2049 | $383 | $730 | $69,887 |
| November 2049 | $379 | $734 | $69,153 |
| December 2049 | $375 | $738 | $68,415 |
| 2049 | $4,706 | $8,643 | $67,673 |
| January 2050 | $371 | $742 | $67,673 |
| February 2050 | $367 | $746 | $66,927 |
| March 2050 | $363 | $750 | $66,178 |
| April 2050 | $358 | $754 | $65,424 |
| May 2050 | $354 | $758 | $64,665 |
| June 2050 | $350 | $762 | $63,903 |
| July 2050 | $346 | $766 | $63,137 |
| August 2050 | $342 | $770 | $62,367 |
| September 2050 | $338 | $775 | $61,592 |
| October 2050 | $334 | $779 | $60,813 |
| November 2050 | $329 | $783 | $60,030 |
| December 2050 | $325 | $787 | $59,243 |
| 2050 | $4,127 | $9,222 | $58,451 |
| January 2051 | $321 | $792 | $58,451 |
| February 2051 | $317 | $796 | $57,655 |
| March 2051 | $312 | $800 | $56,855 |
| April 2051 | $308 | $804 | $56,051 |
| May 2051 | $304 | $809 | $55,242 |
| June 2051 | $299 | $813 | $54,429 |
| July 2051 | $295 | $818 | $53,611 |
| August 2051 | $290 | $822 | $52,789 |
| September 2051 | $286 | $826 | $51,963 |
| October 2051 | $281 | $831 | $51,132 |
| November 2051 | $277 | $835 | $50,296 |
| December 2051 | $272 | $840 | $49,456 |
| 2051 | $3,510 | $9,840 | $48,612 |
| January 2052 | $268 | $845 | $48,612 |
| February 2052 | $263 | $849 | $47,763 |
| March 2052 | $259 | $854 | $46,909 |
| April 2052 | $254 | $858 | $46,050 |
| May 2052 | $249 | $863 | $45,187 |
| June 2052 | $245 | $868 | $44,320 |
| July 2052 | $240 | $872 | $43,447 |
| August 2052 | $235 | $877 | $42,570 |
| September 2052 | $231 | $882 | $41,688 |
| October 2052 | $226 | $887 | $40,802 |
| November 2052 | $221 | $891 | $39,910 |
| December 2052 | $216 | $896 | $39,014 |
| 2052 | $2,851 | $10,499 | $38,113 |
| January 2053 | $211 | $901 | $38,113 |
| February 2053 | $206 | $906 | $37,207 |
| March 2053 | $202 | $911 | $36,296 |
| April 2053 | $197 | $916 | $35,380 |
| May 2053 | $192 | $921 | $34,459 |
| June 2053 | $187 | $926 | $33,534 |
| July 2053 | $182 | $931 | $32,603 |
| August 2053 | $177 | $936 | $31,667 |
| September 2053 | $172 | $941 | $30,726 |
| October 2053 | $166 | $946 | $29,780 |
| November 2053 | $161 | $951 | $28,829 |
| December 2053 | $156 | $956 | $27,873 |
| 2053 | $2,148 | $11,202 | $26,911 |
| January 2054 | $151 | $961 | $26,911 |
| February 2054 | $146 | $967 | $25,945 |
| March 2054 | $141 | $972 | $24,973 |
| April 2054 | $135 | $977 | $23,996 |
| May 2054 | $130 | $982 | $23,013 |
| June 2054 | $125 | $988 | $22,025 |
| July 2054 | $119 | $993 | $21,032 |
| August 2054 | $114 | $999 | $20,034 |
| September 2054 | $109 | $1,004 | $19,030 |
| October 2054 | $103 | $1,009 | $18,020 |
| November 2054 | $98 | $1,015 | $17,006 |
| December 2054 | $92 | $1,020 | $15,985 |
| 2054 | $1,397 | $11,952 | $14,959 |
| January 2055 | $87 | $1,026 | $14,959 |
| February 2055 | $81 | $1,031 | $13,928 |
| March 2055 | $75 | $1,037 | $12,891 |
| April 2055 | $70 | $1,043 | $11,848 |
| May 2055 | $64 | $1,048 | $10,800 |
| June 2055 | $59 | $1,054 | $9,746 |
| July 2055 | $53 | $1,060 | $8,686 |
| August 2055 | $47 | $1,065 | $7,621 |
| September 2055 | $41 | $1,071 | $6,550 |
| October 2055 | $35 | $1,077 | $5,473 |
| November 2055 | $30 | $1,083 | $4,390 |
| December 2055 | $24 | $1,089 | $3,301 |
| 2055 | $597 | $12,752 | $2,207 |
| January 2056 | $18 | $1,095 | $2,207 |
| February 2056 | $12 | $1,100 | $1,106 |
| March 2056 | $6 | $1,106 | $0 |
| 2056 | $18 | $2,207 | $0 |
Hartford, CT Mortgage Overview
The average home in Hartford costs around $220,000. With a 20% down payment of $44,000, you would need a loan of $176,000.
Hartford homeowners pay a property tax rate of approximately 2.8%, which translates to about $6,160 per year on the average home. Annual homeowners insurance in Hartford averages around $1,800.
What Affects Your Hartford Mortgage Payment?
Your monthly PITI payment in Hartford includes four components:
- Principal — the portion that reduces your loan balance
- Interest — the cost of borrowing, based on your rate and remaining balance
- Taxes — Hartford’s property taxes average 2.8%, higher than the Connecticut state average of 2.15%
- Insurance — homeowners insurance in Hartford averages $1,800/year
Tips for Hartford Home Buyers
- Compare rates from multiple Hartford lenders — even a 0.25% rate difference can save tens of thousands over the life of your loan
- Check your credit score before applying — a higher score means better rates
- Consider bi-weekly payments — paying every two weeks instead of monthly can shave years off your mortgage
- Factor in PMI — if your down payment is less than 20%, you’ll pay Private Mortgage Insurance until you reach 80% loan-to-value
- Look at Hartford first-time buyer programs — many Connecticut cities offer down payment assistance or reduced rates for first-time buyers
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