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Mortgage Calculator &
Closing Costs: Bristol, CT

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Bristol, Connecticut.

Median Home Price
$275K
Population
61K
Avg Monthly Rent
$1,350
Property Tax Rate
2.15%
Bristol vs Connecticut Median
The median home price in Bristol is $275,000, which is 32% below the Connecticut state median of $405,000.

Mortgage Calculator — Bristol, CT

Pre-filled with Bristol median home price and Connecticut tax/insurance rates. Adjust for your property.

$
$55,000
%
%
years
CT avg
%
$
Monthly Payment (PITI)
$2,058
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,391
per month
Taxes & Insurance
$668
per month
Total Interest Paid
$281K
over 30 years
Total Loan Cost
$501K
all payments
Payment Breakdown
Loan Amount$220,000
Principal & Interest$1,391
Property Taxes$493
Homeowners Insurance$175
Total Monthly PITI$2,058

Closing Costs — Bristol, CT

Estimated closing costs based on Connecticut rates and fees applied to Bristol prices.

$
%
Connecticut: Avg closing costs 2.1% of price. Transfer tax: 1.25%.
Estimated Closing Costs
$14,735
5.4% of purchase price
Lender Fees
$2,405
origination, underwriting
Third-Party
$2,825
appraisal, title, inspection
Government Fees
$3,438
transfer taxes, recording
Prepaids + Escrow
$6,067
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,980
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,675
Recording Fee$150
Transfer Tax$3,438
Prepaid Taxes (3 mo)$1,478
Prepaid Insurance (12 mo)$2,100
Prepaid Interest (15 days)$661
Escrow Reserves$1,828
Total Closing Costs$14,735

Buying a Home in Bristol, Connecticut

The median home price in Bristol is $275,000, 32% below the Connecticut state median of $405,000. With a population of 60,833, Bristol is a smaller market where home prices tend to be more accessible than in many parts of Connecticut.

Property taxes in Connecticut average 2.15% annually. This higher-than-average tax rate means a $275,000 home in Bristol would carry roughly $493/month in property taxes alone — plan accordingly. Homeowners insurance in Connecticut runs approximately $2,100 per year. This is within the normal range nationally.

Average rent in Bristol is $1,350/month. The price-to-rent ratio in Bristol is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Bristol presents moderate affordability. The $275K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

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