Hartford VA Loan Rates, Closing Costs & Stats

HARTFORD-EAST HARTFORD-MIDDLETOWN, CT

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Hartford VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Hartford averaged 0% for the week of 2025-05-30, compared to the national average (all VA variants) of 0% for the same period.

    Hartford's average VA mortgage closing costs are $6,630.

    The average rate for the prior week (2025-05-23) was 0% and one month ago for the week of 2025-04-25, the average rate was 0%.

    The average rate one year ago was 0%.

    For refis of the same type during the week of 2025-05-30, the average rate was 0%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Hartford VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Hartford level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs

    The lowest fee Hartford VA lenders (with over 10 loans originated) are .

    The lowest rate Hartford VA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Hartford (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $279,900 (3.7%) $364,407 (4.4%) 1.04 3,897
    2018-02-01 $279,900 (1.1%) $363,803 (2.5%) 1.02 3,852
    2018-03-01 $299,000 (5.0%) $371,350 (-1.0%) 1.05 4,081
    2018-04-01 $299,900 (3.8%) $377,877 (-0.2%) 1.02 4,244
    2018-05-01 $299,900 (1.1%) $378,367 (-0.1%) 1.00 4,660
    2018-06-01 $299,900 (0.3%) $381,094 (-0.5%) 1.00 4,956
    2018-07-01 $299,450 (1.5%) $374,729 (-2.4%) 1.00 5,252
    2018-08-01 $294,900 (1.9%) $370,156 (-2.9%) 0.99 5,233
    2018-09-01 $289,900 (0.0%) $364,570 (-3.2%) 0.97 5,302
    2018-10-01 $289,900 (1.1%) $365,793 (-1.6%) 0.98 5,234
    2018-11-01 $289,700 (1.7%) $367,371 (-0.6%) 0.98 4,964
    2018-12-01 $284,900 (1.0%) $368,771 (-0.2%) 0.98 4,447
    2019-01-01 $282,450 (0.9%) $364,387 (0.0%) 0.98 3,967
    2019-02-01 $292,250 (4.4%) $369,911 (1.7%) 0.99 3,849
    2019-03-01 $296,814 (-0.7%) $375,600 (1.1%) 0.97 3,897
    2019-04-01 $303,075 (1.1%) $383,715 (1.5%) 0.96 3,999
    2019-05-01 $309,950 (3.4%) $387,420 (2.4%) 0.97 4,319
    2019-06-01 $314,900 (5.0%) $387,835 (1.8%) 0.98 4,545
    2019-07-01 $304,500 (1.7%) $382,159 (2.0%) 0.95 4,694
    2019-08-01 $299,973 (1.7%) $378,617 (2.3%) 0.95 4,686
    2019-09-01 $299,932 (3.5%) $376,066 (3.2%) 0.96 4,683
    2019-10-01 $299,900 (3.5%) $374,693 (2.4%) 0.97 4,625
    2019-11-01 $299,900 (3.5%) $373,680 (1.7%) 0.98 4,215
    2019-12-01 $296,275 (4.0%) $372,591 (1.0%) 0.99 3,657
    2020-01-01 $292,975 (3.7%) $369,222 (1.3%) 0.98 3,169
    2020-02-01 $299,900 (2.6%) $374,539 (1.3%) 0.98 2,989
    2020-03-01 $319,422 (7.6%) $391,698 (4.3%) 1.00 2,965
    2020-04-01 $319,900 (5.6%) $393,414 (2.5%) 1.00 2,877
    2020-05-01 $329,900 (6.4%) $403,482 (4.2%) 1.00 2,757
    2020-06-01 $344,450 (9.4%) $426,776 (10.0%) 1.01 2,613
    2020-07-01 $349,950 (14.9%) $442,440 (15.8%) 1.01 2,380
    2020-08-01 $349,900 (16.6%) $450,107 (18.9%) 1.00 2,241
    2020-09-01 $349,400 (16.5%) $453,087 (20.5%) 1.00 2,254
    2020-10-01 $348,900 (16.3%) $457,720 (22.2%) 1.00 2,258
    2020-11-01 $349,900 (16.7%) $458,481 (22.7%) 1.02 2,135
    2020-12-01 $349,900 (18.1%) $466,238 (25.1%) 1.04 1,832
    2021-01-01 $350,000 (19.5%) $473,382 (28.2%) 1.04 1,453
    2021-02-01 $362,400 (20.8%) $493,583 (31.8%) 1.06 1,213
    2021-03-01 $364,900 (14.2%) $502,626 (28.3%) 1.04 1,220
    2021-04-01 $369,900 (15.6%) $500,697 (27.3%) 1.00 1,263
    2021-05-01 $359,900 (9.1%) $489,338 (21.3%) 0.96 1,343
    2021-06-01 $349,900 (1.6%) $482,051 (13.0%) 0.92 1,548
    2021-07-01 $346,950 (-0.9%) $472,405 (6.8%) 0.92 1,741
    2021-08-01 $337,850 (-3.4%) $454,440 (1.0%) 0.90 1,839
    2021-09-01 $339,047 (-3.0%) $454,380 (0.3%) 0.90 1,778
    2021-10-01 $335,000 (-4.0%) $466,806 (2.0%) 0.89 1,695
    2021-11-01 $348,975 (-0.3%) $485,838 (6.0%) 0.93 1,427
    2021-12-01 $349,975 (0.0%) $508,733 (9.1%) 0.95 1,154
    2022-01-01 $359,900 (2.8%) $518,938 (9.6%) 0.97 956
    2022-02-01 $372,000 (2.7%) $539,934 (9.4%) 0.97 841
    2022-03-01 $358,175 (-1.8%) $520,682 (3.6%) 0.90 872
    2022-04-01 $354,900 (-4.1%) $496,606 (-0.8%) 0.85 986
    2022-05-01 $369,900 (2.8%) $531,825 (8.7%) 0.85 1,160
    2022-06-01 $379,900 (8.6%) $526,077 (9.1%) 0.85 1,316
    2022-07-01 $385,000 (11.0%) $529,730 (12.1%) 0.87 1,461
    2022-08-01 $382,000 (13.1%) $535,380 (17.8%) 0.88 1,396
    2022-09-01 $384,950 (13.5%) $551,887 (21.5%) 0.90 1,273
    2022-10-01 $382,500 (14.2%) $567,499 (21.6%) 0.90 1,275
    2022-11-01 $382,400 (9.6%) $571,115 (17.6%) 0.92 1,206
    2022-12-01 $375,000 (7.2%) $583,784 (14.8%) 0.93 1,009
    2023-01-01 $379,950 (5.6%) $606,238 (16.8%) 0.94 806
    2023-02-01 $402,688 (8.3%) $637,551 (18.1%) 0.97 759
    2023-03-01 $407,500 (13.8%) $657,088 (26.2%) 0.96 725
    2023-04-01 $414,950 (16.9%) $641,595 (29.2%) 0.97 818
    2023-05-01 $436,725 (18.1%) $651,034 (22.4%) 0.99 868
    2023-06-01 $449,450 (18.3%) $641,420 (21.9%) 1.01 963
    2023-07-01 $449,900 (16.9%) $632,573 (19.4%) 1.02 988
    2023-08-01 $400,000 (4.7%) $573,672 (7.2%) 0.92 1,014
    2023-09-01 $410,000 (6.5%) $577,259 (4.6%) 0.95 1,067
    2023-10-01 $412,450 (7.8%) $598,861 (5.5%) 0.97 1,064
    2023-11-01 $399,950 (4.6%) $581,937 (1.9%) 0.95 1,083
    2023-12-01 $399,900 (6.6%) $580,050 (-0.6%) 0.98 874
    2024-01-01 $399,900 (5.3%) $589,768 (-2.7%) 0.98 790
    2024-02-01 $407,000 (1.1%) $607,286 (-4.8%) 0.98 753
    2024-03-01 $409,450 (0.5%) $600,467 (-8.6%) 0.96 759
    2024-04-01 $424,950 (2.4%) $610,634 (-4.8%) 0.99 834
    2024-05-01 $454,900 (4.2%) $635,778 (-2.3%) 1.04 911
    2024-06-01 $449,900 (0.1%) $620,667 (-3.2%) 1.02 1,014
    2024-07-01 $438,675 (-2.5%) $617,318 (-2.4%) 1.00 1,061
    2024-08-01 $425,000 (6.3%) $623,832 (8.7%) 0.99 1,096
    2024-09-01 $425,000 (3.7%) $609,995 (5.7%) 1.00 1,199
    2024-10-01 $409,950 (-0.6%) $587,799 (-1.9%) 0.96 1,219
    2024-11-01 $406,250 (1.6%) $578,827 (-0.5%) 0.98 1,131
    2024-12-01 $414,950 (3.8%) $588,764 (1.5%) 1.03 899
    2025-01-01 $408,375 (2.1%) $601,045 (1.9%) 1.02 805
    2025-02-01 $433,700 (6.6%) $594,312 (-2.1%) 1.05 786
    2025-03-01 $449,900 (9.9%) $606,785 (1.1%) 1.06 844
    2025-04-01 $453,675 (6.8%) $623,993 (2.2%) 1.05 961
    Hartford's median listing price for 2025-04-01 was $453,675, a difference of $28,725 (6.8%) versus the prior year and $3,775 versus the prior month.

    Hartford's median listing price comes in at 105% of the national average.

    Hartford's average listing price for 2025-04-01 was $623,993, a difference of $13,359 (2.2%) versus the prior year and $17,208 versus the prior month.

    For the 2025-04-01 period, Hartford had 961 MLS listings, a difference of 117 listings (14%) versus the prior month and 127 listings (15%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Hartford (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 86 days 1,768 sqft
    2018-02-01 80 days 1,760 sqft
    2018-03-01 57 days 1,823 sqft
    2018-04-01 53 days 1,841 sqft
    2018-05-01 49 days 1,857 sqft
    2018-06-01 51 days 1,872 sqft
    2018-07-01 56 days 1,860 sqft
    2018-08-01 62 days 1,826 sqft
    2018-09-01 68 days 1,816 sqft
    2018-10-01 70 days 1,818 sqft
    2018-11-01 72 days 1,803 sqft
    2018-12-01 81 days 1,798 sqft
    2019-01-01 88 days 1,795 sqft
    2019-02-01 85 days 1,808 sqft
    2019-03-01 67 days 1,814 sqft
    2019-04-01 48 days 1,832 sqft
    2019-05-01 44 days 1,932 sqft
    2019-06-01 47 days 2,020 sqft
    2019-07-01 55 days 2,004 sqft
    2019-08-01 58 days 2,001 sqft
    2019-09-01 61 days 2,003 sqft
    2019-10-01 64 days 2,008 sqft
    2019-11-01 67 days 2,004 sqft
    2019-12-01 78 days 1,989 sqft
    2020-01-01 82 days 1,944 sqft
    2020-02-01 73 days 1,975 sqft
    2020-03-01 51 days 2,020 sqft
    2020-04-01 58 days 2,009 sqft
    2020-05-01 65 days 2,044 sqft
    2020-06-01 50 days 2,108 sqft
    2020-07-01 44 days 2,132 sqft
    2020-08-01 41 days 2,104 sqft
    2020-09-01 39 days 2,046 sqft
    2020-10-01 37 days 2,016 sqft
    2020-11-01 44 days 1,993 sqft
    2020-12-01 57 days 1,994 sqft
    2021-01-01 60 days 1,986 sqft
    2021-02-01 51 days 1,995 sqft
    2021-03-01 31 days 1,980 sqft
    2021-04-01 23 days 2,002 sqft
    2021-05-01 21 days 1,974 sqft
    2021-06-01 22 days 1,914 sqft
    2021-07-01 29 days 1,896 sqft
    2021-08-01 30 days 1,752 sqft
    2021-09-01 37 days 1,752 sqft
    2021-10-01 36 days 1,728 sqft
    2021-11-01 44 days 1,770 sqft
    2021-12-01 51 days 1,766 sqft
    2022-01-01 61 days 1,790 sqft
    2022-02-01 33 days 1,786 sqft
    2022-03-01 22 days 1,740 sqft
    2022-04-01 15 days 1,714 sqft
    2022-05-01 15 days 1,768 sqft
    2022-06-01 18 days 1,800 sqft
    2022-07-01 24 days 1,796 sqft
    2022-08-01 33 days 1,955 sqft
    2022-09-01 37 days 1,989 sqft
    2022-10-01 32 days 2,012 sqft
    2022-11-01 42 days 1,977 sqft
    2022-12-01 57 days 1,949 sqft
    2023-01-01 57 days 1,946 sqft
    2023-02-01 35 days 2,003 sqft
    2023-03-01 29 days 1,982 sqft
    2023-04-01 22 days 2,030 sqft
    2023-05-01 19 days 2,079 sqft
    2023-06-01 19 days 2,077 sqft
    2023-07-01 24 days 2,089 sqft
    2023-08-01 38 days 1,951 sqft
    2023-09-01 37 days 1,998 sqft
    2023-10-01 38 days 1,994 sqft
    2023-11-01 37 days 1,955 sqft
    2023-12-01 45 days 1,890 sqft
    2024-01-01 53 days 1,889 sqft
    2024-02-01 41 days 1,873 sqft
    2024-03-01 38 days 1,860 sqft
    2024-04-01 30 days 1,741 sqft
    2024-05-01 22 days 1,816 sqft
    2024-06-01 30 days 1,831 sqft
    2024-07-01 32 days 1,794 sqft
    2024-08-01 35 days 1,773 sqft
    2024-09-01 34 days 1,783 sqft
    2024-10-01 33 days 1,743 sqft
    2024-11-01 41 days 1,722 sqft
    2024-12-01 50 days 1,722 sqft
    2025-01-01 51 days 1,701 sqft
    2025-02-01 38 days 1,764 sqft
    2025-03-01 30 days 1,762 sqft
    2025-04-01 30 days 1,742 sqft
    Hartford's median listing age (time on market) for 2025-04-01 was 30 days. This is -2% shorter than the same period one year ago.

    Hartford's median square footage for active listings during the 2025-04-01 period was 1,742 sqft. One year prior, the average listing was 1,741 sqft.

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.