M
MortgageMath
Free mortgage calculators for every state

Mortgage Calculator &
Closing Costs: New Britain, CT

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

Median Home Price
$235K
Population
74K
Avg Monthly Rent
$1,250
Property Tax Rate
2.15%
New Britain vs Connecticut Median
The median home price in New Britain is $235,000, which is 42% below the Connecticut state median of $405,000.

Mortgage Calculator — New Britain, CT

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

$
$47,000
%
%
years
CT avg
%
$
Monthly Payment (PITI)
$1,784
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,188
per month
Taxes & Insurance
$596
per month
Total Interest Paid
$240K
over 30 years
Total Loan Cost
$428K
all payments
Payment Breakdown
Loan Amount$188,000
Principal & Interest$1,188
Property Taxes$421
Homeowners Insurance$175
Total Monthly PITI$1,784

Closing Costs — New Britain, CT

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

$
%
Connecticut: Avg closing costs 2.1% of price. Transfer tax: 1.25%.
Estimated Closing Costs
$13,221
5.6% of purchase price
Lender Fees
$2,117
origination, underwriting
Third-Party
$2,625
appraisal, title, inspection
Government Fees
$2,938
transfer taxes, recording
Prepaids + Escrow
$5,541
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,692
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,475
Recording Fee$150
Transfer Tax$2,938
Prepaid Taxes (3 mo)$1,263
Prepaid Insurance (12 mo)$2,100
Prepaid Interest (15 days)$565
Escrow Reserves$1,613
Total Closing Costs$13,221

Buying a Home in New Britain, Connecticut

The median home price in New Britain is $235,000, 42% below the Connecticut state median of $405,000. With a population of 74,135, New Britain 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 $235,000 home in New Britain would carry roughly $421/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 New Britain is $1,250/month. The price-to-rent ratio in New Britain is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

New Britain offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Connecticut's CHFA Homebuyer Mortgage program.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in New Britain.
Rent vs Buy Calculator →
Explore all of Connecticut: Connecticut Mortgage Calculator & Closing Costs →

More Cities in Connecticut

Related Guides

The First-Time Buyer Playbook
Free weekly guide: mortgage tips, market updates, and money-saving strategies. No spam.