Connecticut, known as the "Constitution State", is a high-cost New England state with expensive housing and utilities. Here is everything you need to know about the cost of living in the Constitution State — from housing and groceries to taxes, utilities, childcare, and what salary you actually need.
Here is what a typical month costs in Connecticut for a single person earning the median income of $83,800/year:
Each category shows how Connecticut compares to the national average. Green means cheaper, yellow means similar, orange/red means more expensive.
Adjust your salary to see a detailed monthly budget breakdown for living in Connecticut.
Select a state to see how much salary you would need there to maintain the same lifestyle you have in Connecticut.
The most popular cities for residents and newcomers in Connecticut:
Housing is the single biggest expense in Connecticut, as it is everywhere. The median home price in Connecticut is $395,000, and the median rent for a one-bedroom apartment is $1,350/month. With a housing cost index of 130, Connecticut housing is 30% more expensive than the national average.
Housing costs in Connecticut are above average but manageable for households earning the median income. The 30% rule (spend no more than 30% of gross income on housing) is achievable in most areas.
Connecticut has a state income tax rate of 6.99%. On the median household income of $83,800, you will pay approximately $5,858/year in state income tax ($488/month). This is a moderate rate that most households can absorb.
The average single person in Connecticut spends approximately $460/month on groceries. A family of four can expect to spend $1,150-$1,380/month. The food cost index of 107 means groceries in Connecticut are 7% above the national average.
Gas prices in Connecticut average $3.55/gallon. For the average commuter driving 15,000 miles/year at 25 MPG, that is roughly $2,130/year in fuel costs.
Connecticut healthcare costs are 16% above the national average (index: 116). The average annual healthcare cost per person in Connecticut is approximately $6,960 including premiums and out-of-pocket expenses. Employer-sponsored health insurance covers the majority of working adults.
Infant daycare in Connecticut averages $1,350/month ($16,200/year). This is a significant expense that rivals rent in many areas. Many families in Connecticut find that one parent staying home is more cost-effective when two or more children need daycare.
Connecticut is a higher-cost state, but the higher expenses often come with higher incomes, better infrastructure, and more job opportunities. The median household income of $83,800 helps offset the 21% premium on living costs.
See all Connecticut financial calculators:
Connecticut (CT) has a cost of living index of 121, meaning it is 21% more expensive than the US average. Housing is the biggest factor with an index of 130. The median rent is $1,350/month and the median home price is $395,000. Connecticut ranks #44 out of 50 states for affordability (1 = cheapest).
For a single person, a comfortable salary in Connecticut is approximately $108,940/year ($9,078/month). For a family of four, aim for $184,360/year. This covers housing at 30% of income, groceries ($460/mo), transportation, healthcare, and a 15% savings rate. The median household income in Connecticut is $83,800.
The median rent for a one-bedroom apartment in Connecticut is approximately $1,350/month. A two-bedroom averages $1,823/month. Rent varies significantly by city: Bridgeport, New Haven, Hartford are the most popular metro areas. Housing costs in Connecticut are above average — budget carefully.
Connecticut is a more expensive state (COL index 121), but offers strong job markets and high median incomes ($83,800). Popular areas include Bridgeport, New Haven, Hartford.
The most affordable areas in Connecticut are typically smaller cities and rural areas away from the major metros. Within Connecticut, costs can vary 20-40% between the most expensive city (Bridgeport metro) and more affordable areas. Stamford and Waterbury tend to offer lower costs while still providing good amenities and job opportunities.
The average monthly grocery bill in Connecticut for a single person is approximately $460 ($1,150 for a family of four). Connecticut food costs are 7% above the national average. Shopping at Walmart, Aldi, and local discount stores can reduce this by 15-25%.
The average monthly electric bill in Connecticut is approximately $185. Total utilities (electric, gas, water, internet) average $407/month. Connecticut utilities are 27% above the national average. Extreme temperatures drive higher heating/cooling costs.
Connecticut has a state income tax rate of 6.99%. On the median household income of $83,800, that is approximately $5,858/year in state income tax. This is a moderate rate near the national average.