New Listing
5
$129,900
508 E Mountain Rd
Waterbury, CT 06706
Land7.74 acres
Platinum Associates
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Waterbury, CT Housing Market
Seller's market+3.9% YoY
Zillow, August 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, September 2026 · Refreshes weekly
The typical home in Waterbury, CT is worth $287,514, rose 3.9% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $330,000, +10.0% year over year (through May 2026). With 3.1 months of supply and homes going under contract in about 45 days, Waterbury is a seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $287,514 home is about $1,535/mo in principal and interest.
Key numbers for Waterbury, CT
Typical home value
$287,514
+3.9% in 12 months
Zillow, August 2026
Typical asking rent
$1,540/mo
Zillow Observed Rent Index
Zillow, August 2026
Median sale price
$330,000
+10.0% year over year
Redfin, through May 2026
Days on market
45
Average pace
Redfin, through May 2026
Active listings
208
3.1 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$51,642
Home costs 5.6x income
U.S. Census ACS, 2023
Sale-to-list ratio
100.8%
Selling above asking
Redfin, through May 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Waterbury a buyer's or seller's market?
Seller's market3.1 months of supply45 days on market100.8% of asking
Waterbury, CT is a seller's market, based on 3.1 months of supply and homes selling in about 45 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Waterbury housing market data show?
Every row below is Redfin's final published month for Waterbury, CT. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $330,000 |
| Median list price | $314,995 |
| Year-over-year price change | +10.0% |
| Median price per sq ft | $199/sq ft |
| Median days on market | 45 days |
| Active inventory | 208 listings |
| Months of supply | 3.1 months |
| Sale-to-list price ratio | 100.8% |
| Homes sold (that month) | 67 |
| New listings (that month) | 131 |
| Listings with a price cut | 19.7% |
| Market condition | Seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Waterbury is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Waterbury is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Waterbury home prices moved?
Over the last three years the median sale price in Waterbury, CT rose 41.3%, from $233,500 to $330,000. The live Zillow value series has rose 3.9% in the last 12 months, which is the more current read now that Redfin's series has stopped. 19.7% of Waterbury listings cut their asking price in the final Redfin month — a modest share, which is what a market looks like when sellers are pricing close to where homes actually clear. For prices to fall meaningfully from here, supply would have to keep building past 3.1 months while the sale-to-list ratio slips below its current 100.8%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Waterbury?
Priced off the typical home value of $287,514 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $57,503 | $230,011 | $1,535/mo |
| 5% | $14,376 | $273,139 | $1,823/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,535, that implies roughly $65,782 a year before you add taxes and insurance. The median household in Waterbury earns $51,642, about $14,140 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 5.6x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Waterbury in the next 12 months?
Tell us your timeline. We send the Waterbury market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Waterbury?
Typical asking rent in Waterbury, CT is $1,540/mo, against a typical home value of $287,514. That is a price-to-rent ratio of 15.6x, which means buying and renting land close enough together that the decision turns on how long you stay and your down payment. Compared head to head, 20% down puts principal and interest at $1,535 a month — $5 less than renting before taxes and insurance, so ownership can win on monthly cost alone once you have the down payment.
Zillow, August 2026 for both value and rent
Add your own down payment, tax rate and time horizon in the rent vs. buy calculator.
Is inventory rising or falling in Waterbury?
Active listings in Waterbury, CT went from 223 in May 2025 to 208 in May 2026, a -6.7% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 234 | 105 |
| July 2025 | 252 | 121 |
| August 2025 | 263 | 110 |
| September 2025 | 272 | 111 |
| October 2025 | 286 | 122 |
| November 2025 | 255 | 85 |
| December 2025 | 220 | 57 |
| January 2026 | 190 | 58 |
| February 2026 | 176 | 58 |
| March 2026 | 165 | 86 |
| April 2026 | 180 | 108 |
| May 2026 | 208 | 131 |
Redfin, through May 2026
How does Waterbury compare to Connecticut and the U.S.?
Waterbury homes sell for $330,000 — 34% below the Connecticut median of $498,000. Against the national median of $410,700, Waterbury runs 20% lower. Year-over-year, Waterbury moved +10.0% against Connecticut's +7.1% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Waterbury, CT | $330,000 | +10.0% | 45 days |
| Connecticut statewide | $498,000 | +7.1% | 31 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Waterbury
What buyers should watch
- Months of supply, currently 3.1. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 19.7%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $288 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $287,514 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Waterbury listing goes under contract in 45 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 100.8% of asking. Price at the number you want and let competition do the rest.
- In the last published month Waterbury added 131 new listings against 67 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved +3.9% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Waterbury varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Waterbury
There are currently 208 homes listed for sale in Waterbury, Connecticut. The median listing price is $315K. Featured listings range from $129,900 to $600,000.
New Listing
31
$259,900
402 Homestead Ave
Waterbury, CT 06705
2 bd1 ba872 sqft$298/ft²
House6,098 sqft lot
Dave Jones Realty, LLC
View photos & details
New Listing
33
$279,900
23 Knoll St
Waterbury, CT 06705
4 bd2 ba1,480 sqft$189/ft²
House7,841 sqft lot
Coldwell Banker Realty
View photos & details
New Listing
36
$299,000
134 Chester Ave
Waterbury, CT 06704
4 bd2 ba1,572 sqft$190/ft²
House6,970 sqft lot
Quality Homes of Waterbury
View photos & details
New Listing
$299,999
73 Elmwood Ave
Waterbury, CT 06710
11 bd4 ba3,800 sqft$79/ft²
Multi-family8,276 sqft lot
RE/Max Experience, LLC
View photos & details
New Listing
16
$319,900
40 Robert St
Waterbury, CT 06710
2 bd3 ba2,066 sqft$155/ft²
House6,098 sqft lot
Vitale Realty
View photos & details
New Listing
30
$329,999
117 Arden Rd
Waterbury, CT 06708
2 bd1 ba1,376 sqft$240/ft²
House10,019 sqft lot
BHGRE Gaetano Marra Homes
View photos & details
New Listing
20
$359,900
45 Westbrook Dr
Waterbury, CT 06705
3 bd2 ba1,144 sqft$315/ft²
House10,019 sqft lot
Vitale Realty
View photos & details
New Listing
36
$499,000
622 Lakeside Blvd W
Waterbury, CT 06708
3 bd3 ba2,208 sqft$226/ft²
House17,860 sqft lot
Regency Real Estate, LLC
View photos & details
New Listing
40
$514,900
79 Joshua Town Rd
Waterbury, CT 06708
3 bd3 ba2,440 sqft$211/ft²
House37,897 sqft lot
Mark Tavares Realty, LLC
View photos & details
New Listing
5
$525,000
41 Diane Ter
Waterbury, CT 06705
8 bd3 ba2,938 sqft$179/ft²
Multi-family6,098 sqft lot
Fercodini Properties, Inc.
View photos & details
New Listing
34
$600,000
121 Hillview Ave
Waterbury, CT 06704
8 bd4 ba3,932 sqft$153/ft²
Multi-family9,148 sqft lot
Criterion Real Estate LLC
View photos & details
Looking to buy in Waterbury?
Get connected with a local real estate expert — free, no obligation.
Active listings
208
Homes on market
Median list price
$315K
Avg. days on market
45
Days until sale
New this week
131
Newly listed
Price drops:19.7%of listings
Sale-to-list:100.8%
How much do homes cost in Waterbury by property type?
How the Waterbury, CT market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $331,500 | $227/sq ft | 46 | 48 days |
| Condo / co-op | $210,000 | $198/sq ft | 7 | 29 days |
Who lives in Waterbury?
American Community Survey estimates for Waterbury. U.S. Census ACS, 2023
Population
114,356
Households
45,962
Median income
$51,642/yr
Median age
37.8 years
Owner-occupied
45.0%
Median home value
$185,400
Median gross rent
$1,180/mo
Mean commute
28.4 min
45.0% of occupied homes in Waterbury are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $185,400 against Zillow's $287,514 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions. Census median gross rent (all leases, including long-held ones) is $1,180/mo, below Zillow's $1,540/mo asking rent on new leases — the difference is roughly what a mover pays over a stayer.
Which public schools serve Waterbury?
33 schools tracked · 18,974 students
The largest public schools serving Waterbury, CT by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Crosby High School
Grades 9-12 · 1,452 students
John F. Kennedy High School
Grades 9-12 · 1,391 students
Wilby High School
Grades 9-12 · 1,178 students
Michael F. Wallace Middle School
Grades 4-8 · 1,048 students
Waterbury Arts Magnet School
Grades 6-12 · 821 students
West Side Middle School
Grades 6-8 · 799 students
W. F. Kaynor Technical High School
Grades 9-12 · 785 students
Waterbury Career Academy
Grades 9-12 · 755 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Waterbury, CT?
Ordered by distance from Waterbury, not by size. Compare Waterbury side by side with any of them.
Which ZIP codes are in Waterbury?
These are the ZIP codes we see on active Waterbury listings. Redfin did not publish a matching ZIP-level sale row for the same period, so we are not ranking them by price here — each ZIP page shows exactly what we hold for it.
Waterbury housing market FAQ
Is Waterbury a buyer's or seller's market?
Waterbury, CT is currently a seller's market. That read comes from 3.1 months of supply, homes going under contract in about 45 days, and sellers getting 100.8% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Waterbury?
The typical home in Waterbury, CT is worth $287,514 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $330,000, about $199 per square foot.
Is Waterbury cheaper than the rest of Connecticut?
Waterbury's median sale price of $330,000 is 34% lower than the Connecticut statewide median of $498,000, and 20% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Waterbury?
Homes in Waterbury, CT spent a median of 45 days on market before going under contract, versus 31 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Waterbury?
At the current 30-year fixed rate of 7.03%, 20% down on a $287,514 home is about $1,535 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $65,782 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $51,642.
Are home prices rising in Waterbury?
The typical home value in Waterbury, CT rose 3.9% over the last 12 months, from $276,851 to $287,514 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Waterbury?
Waterbury ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Waterbury?
That depends on your timeline, not on a headline. What the data says today: Waterbury, CT is a seller's market with 3.1 months of supply, the 30-year fixed rate is 7.03%, and the price-to-rent ratio of 15.6x means buying and renting land close enough together that the decision turns on how long you stay and your down payment. Properties Incorporated publishes the data; it does not give financial advice.
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