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Hartford city, CT

ZIP 06095 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 06095

Median Home Value
$283,800
Median Rent
$1,400
Affordability Snapshot
$78,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,823/mo PITI).

16%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.9 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 06095 in Hartford city, CT, a household would need roughly $78,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,823. That sits below the local median household income ($107,548), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
81.9%+25% vs US avg
x
Vacancy Rate
4.6%-56% vs US avg
x
Broadband Access
93.8%+8% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
5.4%-58% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
18.1%-64% vs US avg
x
Mortgage-Free
30.0%-21% vs US avg
x
$283,800
Home Value
$1,400
Rent
1969
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached77.0%
  • 1-unit attached7.2%
  • 2-9 units11.7%
  • 10+ units4.1%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$283,800
Median rent$1,400
Owner-occupied81.9%
Vacant4.6%
Price-to-income2.6x
Est. income to buy$78,000