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Hartford city, CT

ZIP 06105 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 06105

Median Home Value
$365,400
Median Rent
$989
Affordability Snapshot
$101,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,347/mo PITI).

29%
Rent-to-Income Ratio

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

8.9x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

30.8 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 06105 in Hartford city, CT, a household would need roughly $101,000 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 $2,347. That is about 145% above the local median household income ($41,235), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
18.2%-72% vs US avg
x
Vacancy Rate
14.6%+42% vs US avg
x
Broadband Access
86.0%-1% vs US avg
x
4+ Bedrooms
5.0%-66% vs US avg
x
Built Pre-1939
7.8%-39% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
27.7%-44% vs US avg
x
Mortgage-Free
34.6%-9% vs US avg
x
$365,400
Home Value
$989
Rent
1948
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached8.2%
  • 1-unit attached3.4%
  • 2-9 units26.2%
  • 10+ units62.2%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$365,400
Median rent$989
Owner-occupied18.2%
Vacant14.6%
Price-to-income8.9x
Est. income to buy$101,000