Mortgage Rates in North Haven, Connecticut — March 2026
Updated March 2026 | Based on North Haven market data and regional lending conditions
North Haven is a growing city in Connecticut with a population of 24,093. The current 30-year fixed mortgage rate in North Haven is 6.81%, which is 0.16% above the national average. With a median home price of $327,000 and a 20% down payment of $65,400, homebuyers can expect a monthly principal and interest payment of approximately $1,707.
Current Mortgage Rates in North Haven, CT
Below are the current average mortgage rates available in the North 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 | 6.81% | 6.65% | +0.16% |
| 15-Year Fixed | 6.04% | 5.89% | +0.15% |
| 5/1 ARM | 6.29% | 6.15% | +0.14% |
| FHA | 6.53% | 6.25% | +0.28% |
| VA | 6.28% | 6.05% | +0.23% |
| Jumbo | 7.06% | 6.85% | +0.21% |
North Haven Housing Market Overview
The North Haven housing market reflects moderate demand with prices near the national average. The median household income in North Haven is $78,900, and the cost of living index is 114.1 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $97,457 to comfortably afford the median-priced home in North Haven, which exceeds the current median household income.
Monthly Payment Breakdown for North Haven
Based on the median home price of $327,000 with 20% down ($65,400), here is what you can expect to pay monthly in North Haven:
15-Year vs. 30-Year Mortgage in North Haven
Choosing a 15-year mortgage in North Haven at 6.04% instead of a 30-year at 6.81% would save you $216,180 in total interest over the life of the loan. However, your monthly payment would be $2,213 instead of $1,707 — an increase of $506 per month.
Calculate Your North 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 North Haven
What are the current mortgage rates in North Haven, CT?
As of March 2026, the average 30-year fixed mortgage rate in North Haven, Connecticut is 6.81%, while the 15-year fixed rate is 6.04%. FHA loans average 6.53% and VA loans 6.28%. These rates are 0.16% above the national average of 6.65%.
How much is a monthly mortgage payment in North Haven?
Based on the median home price of $327,000 with 20% down, the estimated monthly mortgage payment in North Haven is $1,707 for principal and interest. Including property taxes of $567/month, the total monthly housing cost is approximately $2,274.
What income do I need to buy a home in North Haven?
Using the 28% rule, you would need an annual income of approximately $97,457 to afford the median-priced home in North Haven at $327,000. The median household income in North Haven is $78,900. This means most households would need to either earn above the median or consider homes below $327,000.
Is North Haven a good place to buy a home in 2026?
North Haven has a moderate cost of living with a cost of living index of 114.1 (national average = 100). The property tax rate in Connecticut is 2.08%, which is above the national average. North Haven has a population of 24,093 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 North Haven, Connecticut area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.