USA Cost of Living Compare US cities and states with official data

Waterbury, CT vs Hartford, CT: cost of living compared

Price levels from BEA (2024); rent and home values from Zillow (September 2026).

The short answer

  • Overall, Hartford, CT is 3.0% more expensive than Waterbury, CT (BEA, 2024).
  • To keep the same standard of living, $75,000 in Waterbury works out to about $77,200 in Hartford, before taxes.
  • Most of the difference is housing, which costs 23.7% more in Hartford. Goods are 0.0% higher and other services 0.0% higher.
  • Zillow does not publish typical rent for Waterbury, so rents are not compared here.
  • The gap is about where it was in 2019 (1.6%).

derived Calculated from BEA Regional Price Parities (2024) and Zillow data. Based on an average household's spending; taxes not included. How we calculate.

Try your own salary

18% matches BEA's average basket. Set your own share if housing takes more or less of your budget.

Category by category

Both cities against the US average (100). The gap in each row is what matters for a move.

Housing drives the gap: 23.7% higher in Hartford than in Waterbury

Price level by category, 2024. US average = 100.

  • Waterbury, CT
  • Hartford, CT
All items
99.8 102.7
Goods
97.3 97.3
Housing (rents)
89.1 110.2
Utilities
147.6 144.9
Other services
102.7 102.7

Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).

Show the numbers
Waterbury, CTHartford, CT
All items99.8102.7
Goods97.397.3
Housing (rents)89.1110.2
Utilities147.6144.9
Other services102.7102.7
CategoryWaterburyHartfordHartford vs Waterbury
All items 99.8 102.7 +3.0%
Goods 97.3 97.3 0.0%
Housing (rents) 89.1 110.2 +23.7%
Utilities 147.6 144.9 −1.8%
Other services 102.7 102.7 0.0%
Salary to match $75,000 in Waterbury $75,000 $77,200 +3.0%

Index values: BEA, 2024, US = 100. Rent and home values: Data Provided by Zillow Group, September 2026.

How the gap has changed since 2008

The price gap between Waterbury and Hartford has narrowed since 2008: 6.1 points then, 3.0 now

Overall price level each year, 2008–2024. US average = 100.

  • Waterbury, CT
  • Hartford, CT
US average = 100

Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).

Show the numbers
Waterbury, CTHartford, CT
2008110.8104.8
2009111.0104.7
2010105.9103.0
2011108.4102.4
2012106.9102.8
2013107.9102.1
2014105.8100.7
2015106.1103.3
2016106.5102.9
2017106.4103.6
2018102.1102.5
2019101.3102.9
2020103.4104.0
202199.6102.1
2022102.5105.1
2023101.0103.3
202499.8102.7

Goods

  • Waterbury, CT
  • Hartford, CT
US = 100

Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).

Show the numbers
Waterbury, CTHartford, CT
2008113.4101.3
2009111.5101.3
2010105.898.2
2011106.298.1
2012107.397.4
2013107.097.3
2014105.597.2
2015104.898.9
2016105.698.4
2017106.799.3
2018101.4101.4
201998.798.7
202099.099.0
202197.097.0
2022101.1101.1
202398.698.6
202497.397.3

Housing (rents)

  • Waterbury, CT
  • Hartford, CT
US = 100

Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).

Show the numbers
Waterbury, CTHartford, CT
2008118.2121.0
2009125.1120.9
2010108.5122.8
2011118.3119.2
2012112.9125.2
2013117.5113.3
2014104.1114.1
2015110.7120.1
2016107.8114.1
2017104.6112.8
2018105.7110.4
201997.7109.8
2020109.2114.3
202195.1114.0
202291.4110.1
202392.3109.7
202489.1110.2

Utilities

  • Waterbury, CT
  • Hartford, CT
US = 100

Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).

Show the numbers
Waterbury, CTHartford, CT
2008156.0151.3
2009159.4154.6
2010147.6144.3
2011138.8136.4
2012136.3131.0
2013136.2129.6
2014137.1133.3
2015141.7134.8
2016145.3137.0
2017147.1139.4
2018141.3139.6
2019144.0142.6
2020160.3159.5
2021146.7146.0
2022139.2139.9
2023154.3152.0
2024147.6144.9

Other services

  • Waterbury, CT
  • Hartford, CT
US = 100

Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).

Show the numbers
Waterbury, CTHartford, CT
2008105.8101.3
2009105.3101.0
2010103.699.6
2011105.999.7
2012104.099.6
2013104.6101.3
2014105.298.5
2015104.5100.9
2016105.3101.7
2017105.5102.8
2018100.2100.2
2019102.3102.3
2020102.4102.4
2021100.8100.8
2022104.9104.9
2023103.0103.0
2024102.7102.7

More about each city

What this comparison leaves out

  • Taxes. State and local income, sales and property taxes can change the result a lot, especially between states.
  • Neighborhoods. These are metro-wide averages; a city center and its outer suburbs can differ by more than two metros do.
  • Your own spending mix. The default uses an average household. Use the housing slider above if rent is a bigger share of your budget.
  • Timing. BEA price levels are for 2024; Zillow figures are monthly and newer.