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Waterbury, CT

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US location · verified

Neighborhood intelligence

Your Waterbury relocation brief

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

Median rent

$1,225/mo

ACS 2024 5-year

HUD 2-bedroom FMR $1,745/mo

Median household income

$51,886

ACS 2024 5-year

Median home value

$208,500

ACS 2024 5-year

Safety score

53/100

FBI CDE

Weather

56°F (H 64° / L 47°)

Open-Meteo

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

Safety & Crime Index

53/100

FBI CDE

Worth extra due diligence — 25% above average FBI data, 2023–2024

Average

Noise Level

41 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 56°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 52 (100 = avg)

Good / Low Pollen

Neighborhood guide

Living in Waterbury CT

Waterbury is one of the more affordable options in its region at $1,225/month typical rent. Safety scores 53/100.

Waterbury has about 114,869 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is Waterbury CT Safe?

Waterbury CT scores 53/100 on safety (well below average). Crime is about 25% above the national average. Research block-level crime data and visit after dark before you commit.

Detail: overall crime index 125 (100 = avg); violent crime index 96; property crime index 153. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Waterbury CT

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

Cost of Living in Waterbury CT

Typical rent in Waterbury is about $1,225/month (moderate). At $1,225/month for a typical unit, you need about $44,100+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $208,500.

Median household income is $51,886, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($51,886) clears the $44,100 comfort line for that rent.

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

Weather and Climate in Waterbury CT

Average temperature is about 56°F (highs near 64°F, lows near 47°F).

Cooler months cut into patio season; plan indoor hobbies for part of the year. Heating will show up on winter bills more than AC does in summer. If you visit, go in January. That is when the cold is honest.

Who Should Move to Waterbury CT?

Who tends to thrive in Waterbury: (1) Renters who want $1,225/month housing without coastal prices (comfort income is about $44,100) (2) Households earning $44,100+ who can clear the 3× rent rule at $1,225/month (3) Movers with a locked job offer in Waterbury 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 53/100) (2) Households expecting top marks on rent and safety at once (Waterbury does not clear every bar) (3) People who will not research ZIP-level crime maps before leasing

Income sniff test: clear about $44,100 household income for $1,225/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Waterbury scores 53/100 on safety with $1,225/month typical rent. Run the numbers against your income before committing.

Next steps

Tools for your move

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

Relocation deep-dive

Before you sign anything

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

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$1,476

Mortgage + tax + insurance + HOA

Annual property tax

$3,023

Annual est. $5,580

Est. monthly utilities

$396

Climate-adjusted electric, gas & water

Median home price

$208,500

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$187k
2022
$193k
2023
$198k
2024
$203k
2025
$209k
2026

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

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$251/mo vs buying
$1,225ACS 2024 5-year
Rent
$1,476
Buy

Mortgage

$1,054

Property tax

$252

Insurance

$75

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%

$2,766/yr

2024

1.37%

$2,849/yr

2025

1.41%

$2,935/yr

2026

1.45%

$3,023/yr

Buying in Waterbury? 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

60 (100 = avg)

low exposure

Est. annual homeowners insurance

$894/yr

moderate exposure
Wind hazard index52 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 56°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $894.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Waterbury 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