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Hartford, CT

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US location · verified

Neighborhood intelligence

Your Hartford relocation brief

Safety, noise, air quality, true cost, hazard, and commute intelligence for Hartford.

Median rent

$1,269/mo

ACS 2024 5-year

Median household income

$46,411

ACS 2024 5-year

Median home value

$228,600

ACS 2024 5-year

Safety score

48/100

FBI CDE

Weather

58°F (H 66° / L 50°)

Open-Meteo

Buying in Hartford? Check current mortgage rates early — before you fall in love with a ZIP.

Safety & Crime Index

48/100

FBI CDE

Worth extra due diligence — 48% above average FBI data, 2023–2024

Average

Noise Level

41 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 58°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 48 (100 = avg)

Good / Low Pollen

Neighborhood guide

Living in Hartford CT

Hartford is one of the more affordable options in its region at $1,269/month typical rent. Safety scores 48/100.

Hartford has about 121,127 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is Hartford CT Safe?

Hartford CT scores 48/100 on safety (well below average). Crime is about 48% above the national average. Research block-level crime data and visit after dark before you commit.

Detail: overall crime index 148 (100 = avg); violent crime index 147; property crime index 149. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Hartford CT

School quality varies by neighborhood in Hartford. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Cost of Living in Hartford CT

Typical rent in Hartford is about $1,269/month (moderate). At $1,269/month for a typical unit, you need about $45,684+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $228,600.

Median household income is $46,411, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($46,411) clears the $45,684 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Hartford CT

Average temperature is about 58°F (highs near 66°F, lows near 50°F).

You can be outside most of the year without extreme gear. Heating and cooling costs are usually moderate compared with hotter or colder metros. If you visit, go in winter or midsummer (not only in spring) to see the extremes.

Who Should Move to Hartford CT?

Who tends to thrive in Hartford: (1) Renters who want $1,269/month housing without coastal prices (comfort income is about $45,684) (2) Households earning $45,684+ who can clear the 3× rent rule at $1,269/month (3) Movers with a locked job offer in Hartford who already priced rent and commute (4) Buyers comparing mid-size metros who will tour multiple ZIPs before signing

Who should look elsewhere: (1) People with young kids who want to let them roam freely (crime pressure is real here; safety 48/100) (2) Households expecting top marks on rent and safety at once (Hartford does not clear every bar) (3) People who will not research ZIP-level crime maps before leasing

Income sniff test: clear about $45,684 household income for $1,269/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Hartford scores 48/100 on safety with $1,269/month typical rent. Run the numbers against your income before committing.

Next steps

Tools for your move

Quotes and listings for Hartford when you're ready to act.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Hartford.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$1,609

Mortgage + tax + insurance + HOA

Annual property tax

$3,315

Annual est. $5,580

Est. monthly utilities

$430

Climate-adjusted electric, gas & water

Median home price

$228,600

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$206k
2022
$211k
2023
$217k
2024
$223k
2025
$229k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$340/mo vs buying
$1,269ACS 2024 5-year
Rent
$1,609
Buy

Mortgage

$1,156

Property tax

$276

Insurance

$82

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$3,034/yr

2024

1.37%

$3,125/yr

2025

1.41%

$3,218/yr

2026

1.45%

$3,315/yr

Buying in Hartford? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

58 (100 = avg)

low exposure

Est. annual homeowners insurance

$980/yr

moderate exposure
Wind hazard index48 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 58°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $980.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Hartford to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo