Naugatuck, Connecticut.
Typical home $351,819 (+3.3% in a year), asking rent $1,895 (+2.6%). New Haven-Milford, CT metro.
to buy the typical home at today's mortgage rate — +$1,146 (+163%) since Jan 2020.
- 1 year
- Up $11,243 +3%
- $340,576$351,819 since Sep 2025
- 5 years
- Up $108,044 +44%
- $243,775$351,819 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Naugatuck$1,847
- Connecticut$2,348
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 9 years.
Typical home values in Naugatuck, CT rose 3.3% over the past year — faster than the nation's +1.2%.
Asking rents in Naugatuck, CT rose 2.6% over the past year — in step with the nation.
Owning the typical home in Naugatuck runs $1,009/mo more than renting one. The gap peaked at $1,022 in Apr 2025.
That is $2,903 a month against $1,895 rent: a $1,847 mortgage payment, plus $680 property tax and $377 insurance & upkeep.
Owning vs renting — Naugatuck
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,903
- Renting$1,895
- Mortgage only$1,847
Property tax · $680/mo 2.32% of value a year — the ACS 2017-2021 median bill over the median home value for New Haven County, CT
Insurance & upkeep · $377/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Naugatuck, Connecticut
Naugatuck is a borough of 31,519 people in . Half its households earn more than $96,324 a year and half less; 6% of its people live below the poverty line. 68% of its homes are lived in by their owners and 32% are rented. Unemployment in Naugatuck was 5.3% in August 2026. The most residents work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Naugatuck is a borough in Connecticut, named for the river that runs through it. Most homes are lived in by their owners, and household incomes are fairly comfortable, with few residents living below the poverty line. Homes and rents here cost a good deal, and a four-year degree is held by a sizeable group of adults, though not by most. Winters are cold, with January highs only a little above freezing and lows well below it, while July brings warm summer afternoons, and rain and melted snow fall throughout the year.
Work. Residents work mostly in schools, hospitals and social care, with manufacturing, retail, and professional and business services also employing many. The largest workplaces in town include the Naugatuck School District, Walmart and Complete Care at Glendale. Commutes are fairly long, and some residents work from home. Unemployment has risen a little compared with a year earlier.
Things to do. Naugatuck State Forest and Whittemore Glen State Park lie in or beside town, both protected areas with room to walk outdoors. A short drive away are Southford Falls State Park and Quassy Amusement Park, a family amusement park. For museums, the Yale University Art Gallery in New Haven is a longer drive away.
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- 12,736households
- 32%of adults have a degree
- 6%below the poverty line
- 33 mintypical commute
- 15%work from home
What residents work in
Employed residents by industry, from the Census survey.
Weather through the year
Coldest in January, with highs near 38° and lows near 20°; warmest in July, with highs near 85° and lows near 64°. About 50 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Mount Carmel weather station, 10 miles away (NOAA).
Largest workplaces in Naugatuck
- Naugatuck School DistrictSchool district751FTE
- WalmartWarehouse clubs and supercenters399
- Complete Care at GlendaleHome nursing services163
- Ices561110 office administrative services150
- Coke Northeast - NaugatuckSoft drink manufacturing145
- CKS PackagingManufacturing112
- Stop & ShopGrocery stores112
- STRAN Technologies IT ServicesTelecommunications equipment and wiring installation contractors79
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 26 workplaces with 20 or more staff, 1,942 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Inland floodingRelatively high
- HurricanesRelatively high
- Ice stormsRelatively high
- Strong windRelatively high
- Winter weatherRelatively high
- LightningRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across its planning region, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on and the New Haven-Milford, CT metro.
Naugatuck home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Naugatuck$351,819
- Connecticut$447,319
- United States$366,157
Sellers are cutting prices on about 1 in 3 Naugatuck listings, and the typical home goes pending in 12 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Naugatuck31.03%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Naugatuck12
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Naugatuck70
New listings per month
Sellers arriving at the market.
- Naugatuck32
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Naugatuck$349,360
- United States$371,553
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Naugatuck101.52%
Zip codes with a Naugatuck address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Naugatuck — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.