The median home in Waterford, Connecticut is valued at $402,115, up 4.7% year over year. Typical monthly rent is $2,225, producing a price-to-rent ratio of 15.1x — near the national average of 18x. Waterford is part of the Norwich-New London, CT metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$402,115

+4.7%

Rent$2,225/mo

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$80,423 on $402,115

Example: $75,000 household income. Change it above to see your own.

Out of reach46.5% of income

Need $124,457/yr to afford.

PITI$2,904

P/I46.5%

Afford$242K

Gap-$160K

P&I $2,033Tax $720Ins $150

Renting $679/mo cheaper ($2,225 rent)6.50% 30yr, 20% down, county tax + CT ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Connecticut

Compare Waterford with other housing markets across Connecticut.

Darien$2.24M Greenwich$2.19M New Canaan$2.03M Westport$1.9M Weston$1.3M Wilton$1.18M Washington$998K Ridgefield$945K

Full Norwich-New London, CT analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Norwich-New London, CT metro.

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Waterford, CT