Connecticut mortgage and refinance rates for September 2026

Written by

Jeff Ostrowski

Edited by

Alice Holbrook,

Reviewed by

Thomas Brock, CFA, CPA,

Expert verified

Updated on September 28, 2026

On Monday, September 28, 2026, the national average 30-year fixed mortgage APR is 7.30%. The national average 30-year fixed refinance APR is 7.27%, according to Bankrate's latest survey of the nation's largest mortgage lenders.

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Connecticut mortgage and refinance rates today

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About our Mortgage Rate Tables: The above mortgage loan information is provided to, or obtained by, Bankrate. Some lenders provide their mortgage loan terms to Bankrate for advertising purposes and Bankrate receives compensation from those advertisers (our “Advertisers”). Other lenders' terms are gathered by Bankrate through its own research of available mortgage loan terms and that information is displayed in our rate table for applicable criteria. In the above table, an Advertiser listing can be identified and distinguished from other listings because it includes a “Next” button that can be used to click-through to the Advertiser's own website or a phone number for the Advertiser.

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Table of contents

Current mortgage rates in Connecticut
Mortgage options in Connecticut
First-time homebuyer programs in Connecticut
How to find the best mortgage rate in New Jersey
Additional Connecticut mortgage resources

Current Mortgage Rates in Connecticut

As of Monday, September 28, 2026, current interest rates in Connecticut are 7.09% for a 30-year fixed mortgage and 6.44% for a 15-year fixed mortgage.

Mortgage rates in Connecticut — and nationally — trended upward in 2023 and 2024, despite a series of rate cuts by the Federal Reserve in late 2024. Rates began to decrease in early 2025 and now average just above 6%. While mortgage rates are difficult to predict, many experts expect this trend to continue, with rates remaining around 6% through 2026.

Refinance rates in Connecticut

National mortgage refinance rates have decreased since their peak near 8% in October 2023 and now generally hover between 6% and 7% for both 30-year and 15-year refinance terms. In Connecticut, the average rate for a 30-year refinance sits at 6.31%, and a 15-year refinance is 5.90%.

For those who locked in a low mortgage rate during the height of the pandemic, it likely doesn’t make sense to refinance at a higher rate. However, if you took out your mortgage when rates were closer to 8%, now may be a good time to refinance and potentially tap into the equity of your home.

National mortgage rates by loan type

Product	Interest Rate	APR
30-Year Fixed Rate	7.22%	7.30%
15-Year Fixed Rate	6.60%	6.72%
30-Year Fixed Rate FHA	6.93%	6.98%
30-Year Fixed Rate VA	6.93%	6.99%
30-Year Fixed Rate Jumbo	7.31%	7.34%
3/1 ARM Rate	6.07%	6.92%
7/1 ARM Rate	6.32%	6.74%

Rates as of Monday, September 28, 2026 at 6:30 AM

Product	Interest Rate	APR
30-Year Fixed Rate	7.18%	7.27%
15-Year Fixed Rate	6.52%	6.64%
30-Year Fixed Rate FHA	6.96%	6.99%
30-Year Fixed Rate VA	6.99%	7.02%
30-Year Fixed Rate Jumbo	7.24%	7.28%
3/1 ARM Rate	6.29%	7.02%
7/1 ARM Rate	6.26%	6.77%

Rates as of Monday, September 28, 2026 at 6:30 AM

Bankrate’s mortgage rates include national rate and APR averages; Bankrate Monitor (BRM) National Index rate averages; and “top offers”:
- National rate and APR averages: Displayed as daily and weekly averages, these rates and APRs are primarily collected from the 5 largest banks and thrifts across hundreds of markets in the U.S.
- Bankrate Monitor (BRM) National Index rate averages: Reported weekly, this long-standing survey collects rates from banks and thrifts across hundreds of markets in the U.S.
- “Top offers”: Displayed daily and weekly, these are an average of the rates listed first on our rate tables as advertised by our partners. The averages shown are based on the loan type and term selected.
You can compare national average mortgage rates to top offers to see how much you could save when shopping on Bankrate.

Learn more about how we collect, display and report mortgage rates.

Mortgage options in Connecticut

There are a variety of mortgage options available to homebuyers in Connecticut, including:

To qualify for a conventional mortgage, you’ll need a minimum credit score of 620 and a debt-to-income (DTI) ratio of no more than 45%. If you make a down payment of less than 20%, you’ll need to pay private mortgage insurance (PMI) premiums as well.
If your credit history disqualifies you from a conventional mortgage, you might be able to obtain a loan insured by the Federal Housing Administration (FHA). Current rates for an FHA loan in Connecticut sit at 7.13%. If you have a credit score of at least 580, you could qualify for an FHA loan with a down payment of just 3.5%.
If you’re a veteran or active-duty member of the military, you might qualify for a mortgage guaranteed by the Department of Veterans Affairs (VA). A VA loan doesn’t typically require a down payment or mortgage insurance, but you do need to pay a funding fee, which ranges from 1.25% to 3.3% of the loan amount for home purchases. However, they may be worth it for those who qualify — VA loan rates in Connecticut average 7.13%.

First time homebuyer programs in Connecticut

The Connecticut Housing Finance Authority (CHFA) offers several programs to assist first-time homebuyers. Here’s a rundown:

HFA Advantage and HFA Preferred loans: HFA Advantage and HFA Preferred loans offer down payment assistance, no upfront mortgage insurance costs and low monthly mortgage insurance payments through housing finance agencies, including the CHFA. Income and sales price restrictions apply.
Conventional Area Median Income Loan Program: The Conventional Area Median Income Loan Program (CALP) is aimed at first-time buyers who do not qualify for an HFA Advantage or HFA Preferred loan because their income is greater than 80 percent of the area median income (AMI).
Down Payment Assistance Program Loan: The CHFA offers a Down Payment Assistance Program (DAP) loan of up to $15,000.

The CHFA also has specialized homebuying programs for certain types of borrowers, including members of the military and the police, teachers, people with a disability and public housing residents.

Learn more: Connecticut first-time homebuyer assistance programs

How to find the best mortgage rate in Connecticut for you

Step 1: Strengthen your credit score

Long before you start looking for a mortgage lender or apply for a loan, give your finances a check-up, and try to improve your credit score, if necessary — ideally, by paying down existing balances.
Step 2: Determine your budget

To find the right mortgage, you’ll need a good handle on how much house you can afford.
Step 3: Know your mortgage options

There are a few different types of mortgages. Look into which might work best for you.
Step 4: Research Connecticut mortgage lenders

Compare mortgage lenders by reading reviews and learning about their services. After you’ve narrowed down your choices based on reviews, don’t forget to rate-shop with at least three different banks or mortgage companies.
Step 5: Get preapproved for a mortgage

Getting a mortgage preapproval is the only way to get accurate loan pricing for your specific situation.

Learn more: How to get a mortgage

Additional Connecticut mortgage resources

Connecticut loan limits by county

Learn the conforming loan limit for a city or town in Connecticut.

Connecticut mortgage lenders

Explore the mortgage options offered by financial institutions throughout Connecticut.

What are closing costs?

A guide to who pays what during closing.

Meet our Bankrate experts

Written by

Jeff Ostrowski Jeff Ostrowski

Writer and Housing Market Analyst

Connecticut mortgage and refinance rates for September 2026

Connecticut mortgage and refinance rates today

Mortgage rates update frequently

Compare mortgage offers

Get rates based on your information

Review your options

Current Mortgage Rates in Connecticut

Refinance rates in Connecticut

National mortgage rates by loan type

How Bankrate collects mortgage rates

Mortgage options in Connecticut

Connecticut conventional mortgages

Connecticut FHA loans

Connecticut VA loans

First time homebuyer programs in Connecticut

How to find the best mortgage rate in Connecticut for you

Step 1: Strengthen your credit score

Step 2: Determine your budget

Step 3: Know your mortgage options

Step 4: Research Connecticut mortgage lenders

Step 5: Get preapproved for a mortgage

Additional Connecticut mortgage resources

Meet our Bankrate experts

Mortgage rates in other states