CT mortgage rates

New Haven County

Clear, current 2026 mortgage and refinance loan limits for homeowners in New Haven County, Connecticut. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2025 limits

2025 Mortgage Loan Limits

New Haven County

Conforming Loan Limits

Per property
1 unit$806,500
2 units$1,032,650
3 units$1,248,150
4 units$1,551,250

FHA Loan Limits

Per property
1 unit$524,225
2 units$671,200
3 units$811,275
4 units$1,008,300

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in New Haven County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About New Haven

A local view of the market.

New Haven County, CT, has a stable real estate market with median home values around $297,000 in 2024. Known for its educational institutions and coastal areas, it attracts a mix of families, students, and professionals. Key cities include New Haven, home to around 134,000 residents and Yale University; Waterbury, with about 113,000 residents, known for its history and manufacturing; and Milford, a coastal town with about 55,000 residents. New Haven County offers an urban-suburban mix with an economy based on education, healthcare, and manufacturing. Its coastal access, cultural scene, and historic sites attract a diverse range of residents.

County snapshot

Market context.

CT

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaNew Haven-MilfordMapped market area
Area code35300CBSA / MSA reference
Featured communitiesWaterbury · Meriden · NaugatuckFrom the county record
Data year2025Aligned with this limit record
WaterburyMeridenNaugatuck
Top cities & communities

Communities to explore.

WaterburyMeridenNaugatuckNew HavenWest HavenMilford
Questions & Answers

Refinancing in New Haven County

Common questions about 2026 loan limits and refinancing opportunities in Connecticut.

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