Mortgage Rates in East Haven, Connecticut — March 2026
Updated March 2026 | Based on East Haven market data and regional lending conditions
East Haven is a growing city in Connecticut with a population of 28,960. The current 30-year fixed mortgage rate in East Haven is 6.89%, which is 0.24% above the national average. With a median home price of $354,000 and a 20% down payment of $70,800, homebuyers can expect a monthly principal and interest payment of approximately $1,863.
Current Mortgage Rates in East Haven, CT
Below are the current average mortgage rates available in the East Haven area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.89% | 6.65% | +0.24% |
| 15-Year Fixed | 6.1% | 5.89% | +0.21% |
| 5/1 ARM | 6.34% | 6.15% | +0.19% |
| FHA | 6.57% | 6.25% | +0.32% |
| VA | 6.32% | 6.05% | +0.27% |
| Jumbo | 7.14% | 6.85% | +0.29% |
East Haven Housing Market Overview
The East Haven housing market reflects moderate demand with prices near the national average. The median household income in East Haven is $75,800, and the cost of living index is 103.4 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $105,386 to comfortably afford the median-priced home in East Haven, which exceeds the current median household income.
Monthly Payment Breakdown for East Haven
Based on the median home price of $354,000 with 20% down ($70,800), here is what you can expect to pay monthly in East Haven:
15-Year vs. 30-Year Mortgage in East Haven
Choosing a 15-year mortgage in East Haven at 6.1% instead of a 30-year at 6.89% would save you $237,780 in total interest over the life of the loan. However, your monthly payment would be $2,405 instead of $1,863 — an increase of $542 per month.
Calculate Your East Haven Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in East Haven
What are the current mortgage rates in East Haven, CT?
As of March 2026, the average 30-year fixed mortgage rate in East Haven, Connecticut is 6.89%, while the 15-year fixed rate is 6.1%. FHA loans average 6.57% and VA loans 6.32%. These rates are 0.24% above the national average of 6.65%.
How much is a monthly mortgage payment in East Haven?
Based on the median home price of $354,000 with 20% down, the estimated monthly mortgage payment in East Haven is $1,863 for principal and interest. Including property taxes of $596/month, the total monthly housing cost is approximately $2,459.
What income do I need to buy a home in East Haven?
Using the 28% rule, you would need an annual income of approximately $105,386 to afford the median-priced home in East Haven at $354,000. The median household income in East Haven is $75,800. This means most households would need to either earn above the median or consider homes below $354,000.
Is East Haven a good place to buy a home in 2026?
East Haven has a moderate cost of living with a cost of living index of 103.4 (national average = 100). The property tax rate in Connecticut is 2.02%, which is above the national average. East Haven has a population of 28,960 and offers a balanced lifestyle.
Mortgage Rates in Other Connecticut Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the East Haven, Connecticut area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.