Connecticut towns set their own mill rates, and for the fiscal year running July 2026 through June 2027 those rates run from 9.80 mills in Salisbury to 69.95 mills in Hartford, a seven-to-one spread. This Connecticut property tax calculator uses the FY 2027 table published by the state Office of Policy and Management (OPM) for the October 1, 2025 grand list, covering 168 municipalities plus the fire districts, boroughs, and taxing districts that add their own levy. It multiplies your assessment by the combined rate. Enter the assessed value from your tax bill or the assessor’s field card, not the sale price: Connecticut assesses at 70 percent of appraised value.
169 Towns and No Counties: Who Sets Your Rate
Connecticut abolished county government in 1960, so no county line appears on any bill here. Each of the 169 towns and cities is its own taxing authority, and the property tax funds its schools, police, and roads. When the Census Bureau stopped reporting the eight historic counties in 2022, it switched to nine planning regions as county equivalents, so a county dropdown cannot describe how the tax works.
Connecticut Property Tax Calculator (FY 2027 Official Levies)
Choose from 258 entries covering 168 Connecticut municipalities and their fire districts, boroughs, and taxing districts, type the assessment from your bill, and get the yearly amount, each July and January half, a monthly escrow figure, and the combined mill rate. Levies come from the FY 2027 table the Office of Policy and Management publishes for the October 1, 2025 grand list.
Planning estimate only. It multiplies the assessment you enter by FY 2027 mill rates from the Connecticut Office of Policy and Management (October 1, 2025 grand list). It does not subtract veterans, blind, disability, or elderly exemptions or the Circuit Breaker credit, does not add lake or beach association levies, and leaves out motor vehicle and business personal property tax. Confirm the amount due with your town tax collector.
Each spring the board of finance or town council settles the budget, subtracts state grants and other revenue, and divides what is left by the net grand list to arrive at the mill rate. In towns that keep the town meeting form, voters approve the budget and rate at a meeting or referendum. A mill is $1 of tax for every $1,000 of assessed value, and state law caps the separate motor vehicle rate at 32.46 mills, which is why many high-rate cities show two different figures.
Seventy Percent of Appraisal, Then Multiply by Mills
Section 12-62a of the General Statutes fixes October 1 as the assessment date and requires every municipality to assess at 70 percent of present true and actual value. The math on a bill is short: appraisal times 0.70 gives the assessment, and assessment times the mill rate divided by 1,000 gives the tax.
Take a West Hartford house appraised at $320,000. The assessment is $224,000, and at the FY 2027 rate of 46.77 mills the year’s tax comes to $10,476.48, or $5,238.24 for each of the July and January installments and $873.04 a month if you escrow. A Greenwich house appraised at $1,500,000 carries a $1,050,000 assessment, and at 10.125 mills the tax is $10,631.25. Almost five times the house, roughly the same bill.
Hartford is the exception to the 70 percent rule. Under Section 12-62r the city assesses one to three family homes at a much lower ratio than other real estate, so a Hartford owner should copy the assessment from the bill rather than multiply the appraisal by 0.70.
FY 2027 Rates From Salisbury to Hartford
The low end belongs to the Litchfield Hills and the Gold Coast. Salisbury sits at 9.80 mills, Greenwich at 10.125, Washington at 10.85, Sharon at 11.15, Warren at 12.75, Roxbury at 13.00, and Westport at 13.20.
The top of the table belongs to older cities and their inner suburbs. After Hartford’s 69.95 come Hamden at 53.67, East Hartford at 47.24, West Hartford at 46.77, Waterbury at 43.34, and Manchester at 41.00. The plain average of the 166 towns with one townwide rate is 27.22 mills and the median is 27.38.
Put the same $300,000 appraisal, a $210,000 assessment, into three towns. Salisbury charges $2,058.00 a year. New Haven, at 39.962 mills, charges $8,392.02. Hamden charges $11,270.70, more than five times the Salisbury bill on an identical assessment.
Several rates moved sharply for FY 2027 because towns finished revaluations. Bridgeport cut its rate from 43.45 to 27.95 mills after a revaluation lifted its grand list, Meriden went from 37.91 to 29.99, and Salisbury dropped from 11.00 to 9.80. A lower rate after revaluation does not mean a lower bill, since assessments rose too. Several rate lists online still show the FY 2026 numbers. Canterbury is missing from the calculator because the OPM table carried no adopted FY 2027 rate for it as of September 2026.
Fire Districts, Boroughs, and Taxing Districts
Eighty-one of the entries in the calculator stack a second levy on the town rate. These are independent fire districts, boroughs, and special service districts, each with its own budget and its own line on the bill. The calculator lists them as Town: District, so pick the one printed on your bill.
The add-ons range from a fraction of a mill to nearly 11. West Haven’s First Center Fire District adds 10.9 mills to the city’s 25.58, Windham’s Willimantic Taxing District adds 9.97, and Middletown’s City Fire District adds 7.5. On a Middletown house appraised at $250,000, a $175,000 assessment, the town rate alone produces $5,827.50, while the City Fire District entry at 40.80 combined mills produces $7,140.00, a $1,312.50 difference for sitting inside the district line.
Stamford and Norwalk bill homes by taxing district at one complete rate, so the calculator lists those districts instead of a townwide figure. In Stamford, District C is 24.31 mills, which puts a $350,000 assessment at $8,508.50. Norwalk’s six districts run from 22.98 mills in Rowayton to 24.67 in the sewered main area. Lake, beach, and condominium association levies are not included.
Revaluation Every Five Years and the February 20 Appeal
Towns must revalue all real estate at least every five years, and since October 1, 2023 OPM assigns the year through a schedule for five revaluation zones. Assessors also have to fully inspect every improved parcel once in ten assessment years. A town may phase in a revaluation’s increases over several years under Section 12-62c; Norwalk, for instance, is in year three of a four-year phase-in, billing on 75 percent of the full increase.
If your assessment looks wrong, file a written or emailed appeal with your town’s Board of Assessment Appeals on or before February 20 following the October 1 assessment date. The board must tell you by March 1 when your hearing is. Bring comparable sales. If the board’s decision does not satisfy you, Section 12-117a allows an appeal to Superior Court within two months of the notice.
Exemptions, the Circuit Breaker, and the Veterans Change
Connecticut has no general homestead exemption, so relief is targeted. The Circuit Breaker program cuts the tax on the home of an owner who is 65 or older, or totally disabled, by up to $1,250 for a married couple and $1,000 for a single person. For the 2026 filing period, qualifying 2025 income could not exceed $56,500 married or $46,300 single, and you apply with the assessor between February 1 and May 15.
The statewide exemptions come off assessed value: $1,000 for a wartime veteran plus an income-based amount, $2,000 to $3,500 for veterans with a service-connected disability rating under amounts updated by Public Acts 25-2 and 25-168, $3,000 for blind owners, and $1,000 for owners with a permanent disability.
The largest recent change helps the most disabled veterans. Starting with the 2024 assessment year, towns must fully exempt the primary home or a vehicle of a veteran with a 100 percent permanent and total disability rating, and beginning with the 2025 grand list a town may cap that exemption at its median residential assessment. Owners who pay the tax can also claim a state income tax credit of up to $300 per return.
July and January Installments, and 18 Percent Interest
Under Section 12-142, each town decides whether real estate tax is due in one payment, two semiannual installments, or four quarterly ones. West Hartford, for example, bills its FY 2027 tax on July 1, 2026 and January 1, 2027. Payment is on time through the first day of the following month. After that, the unpaid installment is delinquent and carries interest at 18 percent a year back to the original due date, with a $2 minimum. Real estate left unpaid can eventually be sold at a tax sale under Section 12-157.
How This Compares With Census Figures, and When Rates Refresh
The Census Bureau’s 2024 five-year American Community Survey puts the typical Connecticut homeowner’s property tax at $6,643 on a $366,900 home, about 1.81 percent of value. That ratio divides one median by another across owner-occupied homes, so it already reflects exemptions and assessments set before the latest revaluations. It squares with the mill rates: the 27.38 median times 70 percent is about 1.92 percent of market value in a freshly revalued town. Figures quoting a 3 percent statewide rate overstate it.
FY 2028 rates will be set in spring 2027 on the October 1, 2026 grand list and will replace these figures once OPM posts them.
Data: FY 2027 real estate mill rates from the Connecticut Office of Policy and Management’s mill rate table on data.ct.gov (October 1, 2025 grand list), with Census ACS 2024 five-year figures for context. Rules from the Connecticut General Statutes and the Office of Legislative Research. Confirm your assessment with your town assessor and the amount due with your town tax collector.