How Much Does It Really Cost to Own a Home in Connecticut - Stephen Simard Realtor

Описание: ✅ How Much Does It Really Cost to Own a Home in Connecticut

Thinking about buying a home in Granby, Simsbury, Avon, or anywhere in the Farmington Valley? Here’s a simple breakdown of what you should expect so there are no surprises when you become a homeowner.

1️⃣ Mortgage Payment

This is your principal + interest. Rates have been up and down lately — and even though the Fed has lowered rates, mortgage rates haven’t dropped at the same pace. Knowing your exact numbers is key.

2️⃣ Property Taxes

Connecticut towns vary a lot.
Granby, Canton, and Barkhamsted tend to run lower… while Simsbury, Avon, and Windsor are often higher. This directly affects your monthly payment.

3️⃣ Homeowners Insurance

Most CT homeowners pay $110–$175/month depending on age, size, and features like wood stoves, pools, or acreage.

4️⃣ Utilities & Heating

CT energy costs are among the highest in New England. Typical ranges:
• Electric: $150–$250/mo
• Oil/Propane Heat: $200–$400/mo (seasonal)
• Internet: $60–$120/mo

5️⃣ Maintenance & Repairs

Plan for 1% of the home’s value per year.
That’s roughly $4,500 a year on a $450,000 home for things like HVAC service, septic pumping, landscaping, and general upkeep.

6️⃣ Optional Add-Ons

Trash pickup, snow removal, landscaping, HOA fees, and more can all add to your monthly cost.

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✅ Bottom Line:
Owning a home in Connecticut is absolutely doable — you just need a clear picture of the all-in cost. If you want a personalized breakdown for your budget or a specific town, I’d be happy to run the numbers for you.

⸻

Stephen Simard
Realtor® – Real Broker LLC
Mortgage Loan Originator – Better Mortgage
NMLS #2649896
📲 860-919-0991
🌐 stephensimard.com
📧 [email protected]
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