Is Litchfield County, CT good for real estate investing?

Litchfield County has an investment score of 55/100, rated as "Hold". The county ranks #665 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Litchfield?

The rent-to-price ratio in Litchfield County is 5.34% annually, which ranks in the 33th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Litchfield?

The median home price in Litchfield County is $406,501. This ranks #813 in affordability among all US counties.

Can you cash flow on rental properties in Litchfield?

Based on median values with 20% down at current rates, a typical rental in Litchfield County would generate negative cash flow of $955/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Litchfield County

Connecticut

/100

Hold

#665 of 1,000 counties

#6 in Connecticut (8 counties)

Market Snapshot

$406,501

Median Home Price

49% above national median

$1,809/mo

Median Rent

21% above national median

5.34%

Rent-to-Price Ratio

Top 67% nationally

-$955

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$406,501

Down Payment (20%)$81,300

Loan Amount$325,201

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,809

Monthly P&I-$2,131

Est. Expenses (35%)-$633

Net Cash Flow-$955/mo

3.5%

Cap Rate (all cash)

-12.3%

Cash-on-Cash Return

5.34%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 3.5% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

55/100

Cash Flow(30%)

50/100

Based on 5.34% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

81/100

Based on 3.5% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

37/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

+Complete rent data available

Challenges

-Below-average rent-to-price ratio (5.34%)
-Negative cash flow at typical financing (-$955/mo)
-Negative leverage (cap rate 3.5% < mortgage rate 6.9%)
-High price-to-income ratio makes financing challenging

Economic Indicators

Population

—

Data pending

Median Income

—

Data pending

Unemployment Rate

—

Data pending

Price-to-Income

—

Data pending

Compare to Nearby Counties

County					Verdict
New HavenCT	59	$386,137	$1,938	6.02%	Hold	View
WindhamCT	59	$357,199	$1,697	5.70%	Hold	View
New LondonCT	57	$400,408	$1,804	5.41%	Hold	View
CurrentLitchfieldCT	55	$406,501	$1,809	5.34%	Hold
MiddlesexCT	55	$432,816	$1,906	5.28%	Hold	View
FairfieldCT	49	$646,946	$2,775	5.15%	Hold	View

The Bottom Line

HoldLitchfield is a neutral market. Consider house hacking or targeting below-market deals.

Litchfield County in Connecticut scores 55/100, ranking #665 of 1,000 US counties (top 66%). The 5.34% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow

$-955/mo

Cap Rate

3.5%

Cash-on-Cash

-12.3%

Ready to Analyze a Deal in Litchfield?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

Explore Other Markets

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$406,501

Down Payment (20%)$81,300

Loan Amount$325,201

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,809

Monthly P&I-$2,131

Est. Expenses (35%)-$633

Net Cash Flow-$955/mo

3.5%

Cap Rate (all cash)

-12.3%

Cash-on-Cash Return

5.34%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 3.5% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

55/100

Cash Flow(30%)

50/100

Based on 5.34% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

81/100

Based on 3.5% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

37/100

Based on price relative to estimated local incomes.

County

Verdict

New HavenCT

$386,137

$1,938

6.02%

Hold

View

WindhamCT

$357,199

$1,697

5.70%

Hold

View

New LondonCT

$400,408

$1,804

5.41%

Hold

View

CurrentLitchfieldCT

$406,501

$1,809

5.34%

Hold

MiddlesexCT

$432,816

$1,906

5.28%

Hold

View

FairfieldCT

$646,946

$2,775

5.15%

Hold

View

The Bottom Line

HoldLitchfield is a neutral market. Consider house hacking or targeting below-market deals.

Monthly Cash Flow

$-955/mo

Cap Rate

3.5%

Cash-on-Cash

-12.3%