Cost of Living in Hartford, CT
Updated November 2026 · Capitol Planning Region · Hartford-West Hartford-East Hartford, CT metro area · population 121,127
Prices in Hartford are 0.3% above the US average (local index 100.3; the BEA index for the Hartford-West Hartford-East Hartford, CT metro area is 102.7), with utilities the biggest cost driver at 144.9; a single adult's modelled budget is about $2,722 a month and the median rent is $1,269.
Prices by category
CostLiving local estimate. 100 = US average; 110 means prices are 10% higher. Housing reflects Hartford's own median rent compared with the area's average rent; goods, utilities and other services are BEA's official price parities for the Hartford-West Hartford-East Hartford, CT metro area, unchanged.
Hartford price index by category, US average = 100: All items 100.3, Housing (rents) 99.0, Goods 97.3, Utilities 144.9, Other services 102.7
It is the 10th most expensive of the 14 Connecticut cities in our data. Cheaper than 59% of the cities we cover.
| BEA index | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| All items | 102.9 | 104.0 | 102.1 | 105.1 | 103.3 | 102.7 |
Monthly budget by household type
1 adult · 1-bedroom · modelled estimate for Hartford, CT
| Category | Per month | Per year | Share |
|---|---|---|---|
| Housing (rent) | $929 | $11,148 | 34% |
| Utilities | $362 | $4,344 | 13% |
| Food at home | $275 | $3,300 | 10% |
| Transportation | $630 | $7,560 | 23% |
| Health care | $361 | $4,332 | 13% |
| Clothing, personal care & supplies | $165 | $1,980 | 6% |
| Total | $2,722 | $32,664 | 100% |
2 adults · 2-bedroom · modelled estimate for Hartford, CT
| Category | Per month | Per year | Share |
|---|---|---|---|
| Housing (rent) | $1,137 | $13,644 | 25% |
| Utilities | $577 | $6,924 | 13% |
| Food at home | $507 | $6,084 | 11% |
| Transportation | $1,247 | $14,964 | 28% |
| Health care | $669 | $8,028 | 15% |
| Clothing, personal care & supplies | $325 | $3,900 | 7% |
| Total | $4,462 | $53,544 | 100% |
2 adults + 2 children · 3-bedroom · modelled estimate for Hartford, CT
| Category | Per month | Per year | Share |
|---|---|---|---|
| Housing (rent) | $1,255 | $15,060 | 23% |
| Utilities | $702 | $8,424 | 13% |
| Food at home | $723 | $8,676 | 13% |
| Transportation | $1,658 | $19,896 | 31% |
| Health care | $623 | $7,476 | 12% |
| Clothing, personal care & supplies | $419 | $5,028 | 8% |
| Total | $5,380 | $64,560 | 100% |
Modelled estimate of basic costs, excluding taxes, child care and savings. Housing is rent excluding tenant-paid utilities (counted under utilities). See how the budget is calculated.
Housing costs in Hartford
Rent by number of bedrooms
| Size | Median rent |
|---|---|
| Studio | $1,033 |
| 1 bedroom | $1,098 |
| 2 bedrooms | $1,344 |
| 3 bedrooms | $1,483 |
| 4 bedrooms | $1,640 |
Median rent: Census ACS 2020-2024 median gross rent by bedrooms (rent plus tenant-paid utilities, all renters).
Rent, home values and affordability
| Measure | Value |
|---|---|
| Median gross rent | $1,269 |
| Median contract rent (excl. utilities) | $1,074 |
| Median home value | $228,600 |
| Owner costs with a mortgage | $1,922/mo |
| Median household income | $46,411 |
| Rent as % of renter income Very expensive | 35.7% |
| Home value ÷ household income Moderate | 4.9× |
Census ACS 5-year 2020-2024.
Electricity and gas prices
Residential electricity in Connecticut
24.51¢ per kWh, August 2026
12-month change: −18.8% (from 30.17¢) · US 18.16¢
Average household uses 702 kWh a month in Connecticut ≈ $192/month. Source: EIA-861M (statewide average).
Regular gasoline regional figure: New England (PADD 1A)
$4.14 per gallon, week of 2026-11-02
12-month change: +41.4% (from $2.93) · US $4.15
EIA weekly retail price survey; Connecticut is covered by the New England (PADD 1A) average.
Inflation in the Northeast
Consumer prices in the Northeast Census region rose +4.2% in the 12 months to September 2026 (US +3.7%). Nationally, food at home changed +1.8%, shelter +3.2% and energy +20.4%. Source: BLS CPI-U, not seasonally adjusted. CPI is published for regions and large metro areas, so the regional figure is shown.
Salary equivalent
Because prices in Hartford are 0.3% above the US average, $60,000 here has the buying power of about $59,800 in an average-priced US area.
Formula: US-equivalent = salary × 100 ÷ 100.3. Based on the local cost index (CostLiving estimate from BEA RPP and Census rents); taxes not included.
Nearby cities
| City | Distance | Index | Budget (single) | Median rent |
|---|---|---|---|---|
| West Hartford, CT | 4 mi | 107.2 | $3,178 | $1,756 |
| East Hartford, CT | 4 mi | 99.6 | $2,746 | $1,225 |
| New Britain, CT | 8 mi | 100.0 | $2,572 | $1,253 |
| Bristol, CT | 15 mi | 98.1 | $2,685 | $1,338 |
| Meriden, CT | 17 mi | 101.3 | $2,672 | $1,294 |
| Waterbury, CT | 23 mi | 96.8 | $2,521 | $1,225 |
Cities with a similar cost of living
| City | Index | Budget (single) | Median rent |
|---|---|---|---|
| Taylorsville, UT | 100.3 | $2,761 | $1,482 |
| Florence, OR | 100.2 | $2,513 | $1,259 |
| Springfield, OR | 100.2 | $2,533 | $1,258 |
| Spokane, WA | 100.2 | $2,573 | $1,215 |
| Millcreek, UT | 100.4 | $2,819 | $1,492 |
| Sanford, FL | 100.1 | $2,895 | $1,609 |
Compare Hartford with another city
Frequently asked questions
Is Hartford, CT an expensive place to live?
Hartford has a local cost of living index of 100.3, which is 0.3% above the US average. This CostLiving estimate starts from the BEA Regional Price Parities 2024 for the Hartford-West Hartford-East Hartford, CT metro area (102.7) and adjusts housing to Hartford's own rents. It is 3.3 points below the Connecticut average. It is the 10th most expensive of the 14 Connecticut cities in our data. Cheaper than 59% of the cities we cover.
How much money do you need to live in Hartford?
Our modelled estimate of basic monthly costs is $2,722 for a single adult, $4,462 for a couple and $5,380 for a family of four, before taxes, child care and savings. A $60,000 salary in an average-priced US area buys about the same as $60,200 in Hartford.
What is the average rent in Hartford?
The median gross rent (rent plus tenant-paid utilities) is $1,269 a month (Census ACS 2020-2024). By size: 1 bedroom $1,098, 2 bedrooms $1,344, 3 bedrooms $1,483. The typical renter spends 35.7% of household income on rent (very expensive).
How much does a house cost in Hartford?
The median owner-estimated home value is $228,600, 4.9 times the median household income of $46,411 (moderate). Owners with a mortgage pay a median $1,922 a month in housing costs.
How much is electricity and gas in Hartford?
Connecticut residential electricity averaged 24.51¢ per kWh in August 2026 (US 18.16¢). Regular gasoline was $4.14 a gallon (New England (PADD 1A) average, week of 2026-11-02).
Sources and notes
- Local cost index: CostLiving estimate from BEA Regional Price Parities 2024 for the Hartford-West Hartford-East Hartford, CT metropolitan statistical area (BEA index 102.7) with housing from Census ACS median rent (city figure); see the methodology.
- Rents, home values, income, population: U.S. Census Bureau ACS 5-year 2020-2024, Census place 0937000 (Hartford city).
- Electricity: EIA-861M, Connecticut residential average, August 2026.
- Gasoline: EIA weekly retail regular gasoline, New England (PADD 1A), week of 2026-11-02.
- Inflation: BLS CPI-U Northeast region, September 2026.
- Budget baselines: BLS Consumer Expenditure Survey 2025; electricity use by household size: EIA RECS 2020.
- Gasoline price: regional figure (EIA publishes weekly prices for only 9 states).
Labels such as “county figure” or “state nonmetro figure” mark values that come from a larger area because the city-level figure is unavailable or unreliable. The monthly budget is a modelled estimate, not observed spending, and excludes taxes. This page is for general information and is not financial advice. Methodology · All sources