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Closing Costs: West Haven, CT

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

Median Home Price
$265K
Population
56K
Avg Monthly Rent
$1,320
Property Tax Rate
2.15%
West Haven vs Connecticut Median
The median home price in West Haven is $265,000, which is 35% below the Connecticut state median of $405,000.

Mortgage Calculator — West Haven, CT

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

$
$53,000
%
%
years
CT avg
%
$
Monthly Payment (PITI)
$1,990
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$1,340
per month
Taxes & Insurance
$650
per month
Total Interest Paid
$270K
over 30 years
Total Loan Cost
$482K
all payments
Payment Breakdown
Loan Amount$212,000
Principal & Interest$1,340
Property Taxes$475
Homeowners Insurance$175
Total Monthly PITI$1,990

Closing Costs — West Haven, CT

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

$
%
Connecticut: Avg closing costs 2.1% of price. Transfer tax: 1.25%.
Estimated Closing Costs
$14,356
5.4% of purchase price
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Lender Fees
$2,333
origination, underwriting
Third-Party
$2,775
appraisal, title, inspection
Government Fees
$3,313
transfer taxes, recording
Prepaids + Escrow
$5,936
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,908
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,625
Recording Fee$150
Transfer Tax$3,313
Prepaid Taxes (3 mo)$1,424
Prepaid Insurance (12 mo)$2,100
Prepaid Interest (15 days)$637
Escrow Reserves$1,774
Total Closing Costs$14,356

Buying a Home in West Haven, Connecticut

The median home price in West Haven is $265,000, 35% below the Connecticut state median of $405,000. With a population of 55,584, West Haven 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 $265,000 home in West Haven would carry roughly $475/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 West Haven is $1,320/month. The price-to-rent ratio in West Haven is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

West Haven presents moderate affordability. The $265K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

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