Triplex
23 Vermont St · Waterbury, CT
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $829 – $1,539
Heat risk 5/10 · Moderate
- Hot days now (above 96°F)
- 7 days/yr
- Hot days in 30 yrs
- 15 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 27.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 3 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the A- grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- Cash flow +30.0/30.0
- ARV discount +15.0/15.0
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- Rent growth +4.5/5.0
- Livability +4.0/5.0
- Condition / age +4.0/5.0
- Appreciation +1.5/10.0
- Schools +1.3/10.0
$295,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Multi-family units
County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 3 units. confirmed
Listing remarks MLS
Great investment opportunity at 23 Vermont Street in Waterbury! This 3-family property offers strong income potential for both investors. Each unit provides comfortable living space with separate utilities, making management simple and efficient. The property is located close to shopping, restaurants, schools, and major highways for easy commuting. Whether you're looking to expand your portfolio or live in one unit while collecting rental income from the others, this multi-family is full of potential. Don't miss this opportunity to own a versatile income-producing property in a convenient Waterbury location. PROPERTY IS BEING SOLD AS-IS AND IS SUBJECT TO SHORT SALE APPROVAL.
Key facts
- Separate utilities
- Close to restaurants
- Close to shopping
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3 × 2-bed/1.0-bath units multifamily listed at $295k. Condition is rated good.
- This rent per unit runs 38% of the median local income ($49k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Deal economics
- At list price, monthly cash flow is $1k ($17k/yr) — positive. Per door: $485/mo.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($5k rent vs $295k).
- Recommended offer: $268k (9.0% below list) — sets the bar for market timing.
- Cap rate 12.2% vs local median 3.7% in Waterbury — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 79/100 on livability (#32 in CT, #2,205 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: crime D, employment D.
- Waterbury School District (suburban): math 12% / reading 23% proficiency, ranked #148 of 153 in CT (top 97%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 73% free/reduced lunch — lower-income household profile, screen leases tightly.
- Zoned schools: Walsh School (math 8% / reading 12%, grade F, #512 of 553 statewide, top 94%, 360 students, 83% FRL); Michael F. Wallace Middle School (math 13% / reading 28%, grade F, #160 of 175 statewide, top 91%, 1,062 students, 86% FRL); Crosby High School (math 2% / reading 17%, grade F, #187 of 194 statewide, top 96%, 1,400 students, 84% FRL).
- Market conditions: Rents rising fast (+8.0%/yr); 133 active listings in the ZIP; 502 units permitted in Naugatuck Valley Planning Region in 2024 (171 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
- At projected returns (-3.0% appreciation + 8.0% rent growth), your $83k cash investment doubles in ~5 years — after that, you're playing with house money.
Negotiation context
- It's been on market 114 days — a 9% lower offer ($268k) is reasonable based on typical stale-listing flexibility.
- 8 sale attempts since 20y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
Risks & watch-outs
- Watch-outs: built in 1915 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 114 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
- Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
- What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
- Built in 1915 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
- Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.
Investment metrics
- 1% rule
- 1.56% ✓
- Cap rate
- 12.21%
- Cash-on-cash
- 21.15%
- DSCR
- 1.94
- GRM
- 5.3
CMA / ARV
- ARV (median comp)
- $363,763
- List price
- $295,000
- Delta
- -18.90%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 245 Walnut St | 0.15mi | 7/3.0 (+1) | 2,970 (+3%) | 2mo | $210,000 | $71 | 82 |
| 21 Violet St | 0.37mi | 6/3.0 | 2,941 (+2%) | 6mo | $270,000 | $92 | 75 |
| 16 Vermont St | 0.02mi | 6/3.0 | 2,490 (-14%) | 7mo | $246,000 | $99 | 70 |
| 11 Putnam St | 0.16mi | 6/3.0 | 3,188 (+10%) | 13mo | $387,000 | $121 | 65 |
| 290 Orange St | 0.34mi | 7/3.0 (+1) | 3,050 (+6%) | 9mo | $435,000 | $143 | 62 |
| 27 Beacon St | 0.61mi | 6/3.0 | 2,588 (-10%) | 0mo | $350,000 | $135 | 54 |
| 28 Wall St | 0.19mi | 6/3.0 | 3,280 (+14%) | 17mo | $292,500 | $89 | 54 |
| 51 River St | 0.62mi | 6/3.0 | 2,669 (-8%) | 15mo | $457,500 | $171 | 46 |
| 65 Brewster St | 0.66mi | 6/3.0 | 3,024 (+5%) | 20mo | $325,000 | $107 | 44 |
| 50 Summer St | 0.58mi | 6/2.0 | 2,466 (-15%) | 3mo | $305,000 | $124 | 42 |
| 14 Niagara St | 0.71mi | 6/3.0 | 3,156 (+9%) | 20mo | $390,000 | $124 | 35 |
| 79 E Clay St | 0.70mi | 6/3.0 | 2,604 (-10%) | 22mo | $345,000 | $132 | 32 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 8.0% rent growth · sell at horizon
- IRR
- 19.4%
- Equity multiple
- 1.84×
- Total profit
- $69,366
- Equity at exit
- $43,985
- IRR
- 31.1%
- Equity multiple
- 4.52×
- Total profit
- $291,029
- Equity at exit
- $25,506
Cash invested: $82,600 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 27 Tenant-Leaning
- State Connecticut
- 27 Tenant-Leaning · D+7
- County
- — inherits STATE
- City
- — inherits STATE
Active competition Active MLS
- For sale now
- 6 active · 11 under contract
- Months of supply
- 2.8 mo (36%/mo absorbed)
- Median asking
- $424,450 ($135/sqft)
- Median days on market
- 93 d
- This list price
- lowest-priced of the active set
- ARV vs active asking
- -6.8% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 06704
- Home prices YoY
- -2.0%
- Rents YoY
- 8.0%
- Active inventory
- 133
- Price-to-rent
- 16.0×
Monthly cashflow live
- Estimated rent
- $4,599 high interval (Pro) →
- Mortgage (P&I)
- −$1,547
- Tax from tax record
- −$508 /mo · $6,092/yr
- Insurance
- −$123
- HOA
- −$0
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$966
- Net cashflow
- $1,456
3-unit breakdown (identical units grouped — click to expand)
| Units | Beds | Baths | Est. rent |
|---|---|---|---|
| 3× units | 2 | 1 | $4,599 |
| #1 | 2 | 1 | $1,533 |
| #2 | 2 | 1 | $1,533 |
| #3 | 2 | 1 | $1,533 |
| Total (3 units) | $4,599 | ||
Break-even live
Sensitivity live
| Price | -10% $1,623 | -5% $1,539 | +0% $1,456 | +5% $1,372 | +10% $1,289 |
|---|---|---|---|---|---|
| Rent | -10% $1,092 | -5% $1,274 | +0% $1,456 | +5% $1,637 | +10% $1,819 |
| Rate | -1.0pp $1,604 | -0.5pp $1,531 | base $1,456 | +0.5pp $1,379 | +1.0pp $1,301 |
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $73,750
- Closing costs
- $8,850
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 30 Walnut Ave Unit 2 Waterbury, CT | 3.0 | 1.0 | 1200 | $1,600 | $1.33 | 93d | 1 | 0.04mi |
| 36 Vermont St Unit 2 Floor Waterbury, CT | 3.0 | 1.0 | 2892 | $1,800 | $0.62 | 72d | 1 | 0.05mi |
| 36 Vermont St Unit 3 Floor Waterbury, CT | 3.0 | 1.0 | 2892 | $2,000 | $0.69 | 93d | 1 | 0.05mi |
| 9 Webb St Unit 2 Waterbury, CT | 3.0 | 1.0 | — | $1,495 | — | 41d | 1 | 0.08mi |
| 77 Wall St Waterbury, CT | 3.0 | 1.0 | 1000 | $1,500 | $1.50 | 32d | 1 | 0.09mi |
| 38 Young St Waterbury, CT | 3.0 | 2.0 | 3129 | $2,000 | $0.64 | 16d | 1 | 0.09mi |
| 103 Walnut St Unit 3rd Floor Waterbury, CT | 3.0 | 1.0 | 3157 | $1,650 | $0.52 | 93d | 1 | 0.14mi |
| 115 Wall St Unit 1st Floor Waterbury, CT | 2.0 | 2.0 | 960 | $1,875 | $1.95 | 25d | 1 | 0.14mi |
| 22 Putnam St Unit 1 Waterbury, CT | 3.0 | 1.0 | 1300 | $1,600 | $1.23 | 46d | 1 | 0.14mi |
| 41 Putnam St Unit 2 Waterbury, CT | 2.0 | 1.0 | 800 | $1,750 | $2.19 | 93d | 1 | 0.18mi |
| 64 Dikeman St Unit 2nd Floor Waterbury, CT | 3.0 | 1.0 | 1000 | $2,200 | $2.20 | 70d | 1 | 0.19mi |
| 140 Orange St Waterbury, CT | 2.0 | 1.0 | 1678 | $1,500 | $0.89 | 93d | 1 | 0.21mi |
| 89 Wood St Unit 3 Waterbury, CT | 3.0 | 1.0 | — | $1,500 | — | 72d | 1 | 0.22mi |
| 89 Wood St Unit 1 Waterbury, CT | 2.0 | 1.0 | — | $1,600 | — | 93d | 1 | 0.22mi |
| 214 Oak St Unit 3 Waterbury, CT | 3.0 | 1.0 | 1220 | $1,700 | $1.39 | 60d | 1 | 0.22mi |
| 732 E Main St Apt 2 Waterbury, CT | 2.0 | 1.0 | — | $1,450 | — | 93d | 1 | 0.23mi |
| 76 Oak St Waterbury, CT | 2.0 | 1.0 | 900 | $1,249 | $1.39 | 93d | 1 | 0.25mi |
| 779 E Main St Unit 2nd floor Waterbury, CT | 3.0 | 1.0 | 1149 | $1,400 | $1.22 | 72d | 1 | 0.26mi |
| 46 Ward St Waterbury, CT | 3.0 | 1.0 | 1000 | $1,900 | $1.90 | 72d | 1 | 0.27mi |
| 48 Irion St Apt 3 Waterbury, CT | 2.0 | 1.0 | 1000 | $1,325 | $1.32 | 25d | 1 | 0.27mi |
| 52 Oak St Waterbury, CT | 3.0 | 1.5 | 1024 | $1,800 | $1.76 | 52d | 1 | 0.28mi |
| 64 Irion St Unit 3rd Floor Waterbury, CT | 2.0 | 1.0 | 3539 | $1,500 | $0.42 | 25d | 1 | 0.28mi |
| 132 Locust St Unit 16 Waterbury, CT | 2.0 | 1.0 | 950 | $1,250 | $1.32 | 72d | 1 | 0.30mi |
| 132 Locust St #14 Waterbury, CT | 2.0 | 1.0 | 660 | $1,150 | $1.74 | 93d | 1 | 0.30mi |
| 132 Locust St Unit 6 Waterbury, CT | 2.0 | 1.0 | 660 | $1,150 | $1.74 | 63d | 1 | 0.30mi |
| 49 Howard St Unit 1st Floor Waterbury, CT | 2.0 | 1.0 | 2102 | $1,500 | $0.71 | 93d | 1 | 0.31mi |
| 152 E Farm St #1 Waterbury, CT | 2.0 | 1.0 | 1182 | $1,550 | $1.31 | 93d | 1 | 0.32mi |
| 21 N Walnut St #3 Waterbury, CT | 2.0 | 1.0 | 2664 | $1,250 | $0.47 | 93d | 1 | 0.36mi |
| 105 Division St Unit 3rd Floor Waterbury, CT | 2.0 | 1.0 | 900 | $1,300 | $1.44 | 63d | 1 | 0.44mi |
| 5 Hill St Unit B,D Waterbury, CT | 3.0 | 1.0 | 1100 | $1,350 | $1.23 | 16d | 1 | 0.47mi |
| 72 Burton St Waterbury, CT | 3.0 | 1.0 | 2600 | $1,600 | $0.62 | 41d | 1 | 0.54mi |
| 57 Pemberton St Fl , Rear Waterbury, CT | 1.0 | 1.0 | 550 | $1,075 | $1.95 | 25d | 1 | 0.56mi |
| 57 Pemberton St Unit 3 Waterbury, CT | 1.0 | 1.0 | 513 | $1,075 | $2.10 | 41d | 1 | 0.56mi |
| 26 Farragut St Unit 32 Farragut 13 Waterbury, CT | 1.0 | 1.0 | 850 | $1,275 | $1.50 | 25d | 1 | 0.58mi |
| 26 Farragut St Unit 26 Farragut 8 Waterbury, CT | 2.0 | 1.0 | 950 | $1,495 | $1.57 | 25d | 1 | 0.58mi |
| 53 Cooke St Unit 3rd floor Waterbury, CT | 3.0 | 1.0 | 1200 | $1,450 | $1.21 | 93d | 1 | 0.59mi |
| 27 Beacon St Unit 3 Waterbury, CT | 2.0 | 1.0 | 2588 | $1,395 | $0.54 | 52d | 1 | 0.60mi |
| 27 Beacon St Unit 3 Waterbury, CT | 2.0 | 1.0 | 1000 | $1,395 | $1.40 | 93d | 1 | 0.60mi |
| 51 Crown St Waterbury, CT | 2.0 | 1.0 | — | $1,500 | — | 93d | 1 | 0.62mi |
| 93 Harper Ave Unit 3N Waterbury, CT | 1.0 | 1.0 | 4200 | $1,000 | $0.24 | 25d | 1 | 0.62mi |
Listing history 50 events
-
2026-08-08days on market $295,000 Active 114 DOM
-
2026-08-07days on market $295,000 Active 113 DOM
-
2026-08-06days on market $295,000 Active 112 DOM
-
2026-08-05days on market $295,000 Active 111 DOM
-
2026-08-04days on market $295,000 Active 110 DOM
-
2026-08-03days on market $295,000 Active 109 DOM
-
2026-07-31days on market $295,000 Active 106 DOM
-
2026-07-30days on market $295,000 Active 105 DOM
-
2026-07-30days on market $295,000 Active 104 DOM
-
2026-07-28days on market $295,000 Active 103 DOM
-
2026-07-26days on market $295,000 Active 101 DOM
-
2026-07-25days on market $295,000 Active 100 DOM
-
2026-07-24days on market $295,000 Active 99 DOM
-
2026-07-23days on market $295,000 Active 98 DOM
-
2026-07-22days on market $295,000 Active 97 DOM
-
2026-07-21days on market $295,000 Active 96 DOM
-
2026-07-18days on market $295,000 Active 93 DOM
-
2026-07-16days on market $295,000 Active 91 DOM
-
2026-07-16days on market $295,000 Active 90 DOM
-
2026-07-14days on market $295,000 Active 89 DOM
-
2026-07-13days on market $295,000 Active 88 DOM
-
2026-07-12days on market $295,000 Active 87 DOM
-
2026-07-11days on market $295,000 Active 86 DOM
-
2026-07-10days on market $295,000 Active 85 DOM
-
2026-07-09days on market $295,000 Active 84 DOM
-
2026-07-07days on market $295,000 Active 82 DOM
-
2026-07-06days on market $295,000 Active 81 DOM
-
2026-07-05days on market $295,000 Active 80 DOM
-
2026-07-03days on market $295,000 Active 78 DOM
-
2026-07-02days on market $295,000 Active 77 DOM
-
2026-07-01days on market $295,000 Active 76 DOM
-
2026-06-30days on market $295,000 Active 75 DOM
-
2026-06-29days on market $295,000 Active 74 DOM
-
2026-06-28days on market $295,000 Active 73 DOM
-
2026-06-28days on market $295,000 Active 72 DOM
-
2026-06-27days on market $295,000 Active 71 DOM
-
2026-06-25days on market $295,000 Active 69 DOM
-
2026-06-23days on market $295,000 Active 67 DOM
-
2026-06-21days on market $295,000 Active 66 DOM
-
2026-06-18days on market $295,000 Active 63 DOM
-
2026-06-17days on market $295,000 Active 62 DOM
-
2026-06-16days on market $295,000 Active 61 DOM
-
2026-06-15days on market $295,000 Active 60 DOM
-
2026-06-14days on market $295,000 Active 58 DOM
-
2026-06-13days on market $295,000 Active 57 DOM
-
2026-06-10days on market $295,000 Active 55 DOM
-
2026-06-09days on market $295,000 Active 54 DOM
-
2026-06-08days on market $295,000 Active 53 DOM
-
2026-06-07days on market $295,000 Active 52 DOM
-
2026-06-05days on market $295,000 Active 49 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast CT · Partial reset (capped growth)
- Current annual tax
- $6,092 · $508/mo
- Projected year-2 tax
- $6,202 · $517/mo
- Expected delta
- +$110/yr (+$9/mo · 1.8%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 5/10 Major 7 d/yr ≥96°F today · 15 d/yr by 30 yrs out
- Wind 6/10 Major 27% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $55,188
- − Mortgage interest
- −$16,525
- − Property taxes
- −$6,092
- − Insurance
- −$1,475
- − Repairs & maintenance
- −$4,415
- − Management
- −$4,415
- − Depreciation
- −$8,582
- Taxable income
- $13,685
- Est. tax owed @ 24.0%
- −$3,284
- After-tax cash flow
- $14,183/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Condition & rehab AI · 10 photos
This 3-family property is in good condition with recent renovations. It offers a good investment opportunity with strong income potential.
Deferred maintenance Est. $20,000–$60,000 screening
- Major Roof (roof|hvac|water heater|windows|electrical|plumbing|exterior|other) — roof appears to be in poor condition with visible damage and missing shingles
- Major Windows (roof|hvac|water heater|windows|electrical|plumbing|exterior|other) — windows appear to be in poor condition with visible damage and missing shingles
Value-add opportunities
- Both Paint the exterior and replace any damaged siding. — Fresh paint and siding will improve curb appeal and increase both resale and rental value. ↑
- Both Install new landscaping and mulch. — A well-maintained front yard can significantly boost the property's curb appeal and attract more potential buyers or renters. ↑
ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
Zoned Schools
Schools (NCES district)
- District
- Waterbury School District
- NCES district ID
- 0904830
- Math proficiency
- 12% ▼ -7.00%
- Reading proficiency
- 23% ▼ -8.00%
- Median HH income
- $40,040
- Composite
- 14.85/100
- National rank
- #9380
- State rank
- #148 of 153 in CT
Livability — Waterbury
- Score
- 79/100
- State rank
- #32
- US rank
- #2205
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Waterbury, CT
- County
- New Haven County · 688,236 people
- City population
- 115,012
- Metro
- New Haven-Milford, CT
- Population (ZIP)
- 31,713
- Household income
- $48,718
- Rent vs Own
- Severe rent burden
- 12% of renters
Population outlook (Naugatuck Valley County) Hauer SSP2
- By 2040
- 496,846
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.66)
- Race & ethnicity
- Hispanic / Latino 48% Black 28% Two or more races 20% White 18% Asian 2%
- Hispanic origin (detail)
- Mexican 2% Puerto Rican 30% Dominican 8%
- Common ancestry
- Romanian 2% Lithuanian 1% Russian 1%
- Foreign-born
- 16% · Canada, South Korea
- Languages at home
- 56% English-only · Spanish 38% Other Indo-European 3% French/Haitian/Cajun 1%
Political lean MEDSL · Naugatuck Valley
- 2024 margin
- Lean R (+7.4) · D 45.6% · R 53.0% · Other 1.4%
- All cycles
- 2024: R+7.4
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -7.05%
- Current HPI
- 340.0917
- Rent YoY
- ▲ 8.02%
- Metro
- New Haven-Milford, CT
- State GDP YoY
- ▲ 1.06%
- F500 in state
- 38
Industry mix (Fortune 500 HQ in CT)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Industrial Machinery | 4 | $38B |
|
||
| Insurance | 3 | $71B |
|
||
| Financial Services | 2 | $25B |
|
||
| Transportation / Logistics | 2 | $18B |
|
||
| Healthcare | 1 | $247B |
|
||
| Telecommunications | 1 | $55B |
|
||
Price history
+1080.0% since first listed21 events — show timeline
- 2026-04-23 Relisted — Smart MLS
- 2026-03-19 Pending — Smart MLS
- 2026-03-11 Listed $295,000 Smart MLS
- 2023-05-23 Sold (Public Records) $1,054,000 Public Records
- 2010-02-03 Sold (Public Records) $65,000 Public Records
- 2009-11-06 Listing Removed — Smart MLS
- 2009-08-06 Listed $75,000 Smart MLS
- 2009-06-18 Sold (MLS) $30,000 Smart MLS
- 2009-04-29 Listed $50,000 Smart MLS
- 2008-08-30 Listing Removed — Smart MLS
- 2008-02-16 Listed $139,000 Smart MLS
- 2008-01-07 Listing Removed — Smart MLS
- 2007-10-22 Listed $211,900 Smart MLS
- 2007-06-27 Listing Removed — Smart MLS
- 2007-03-27 Listed $239,700 Smart MLS
- 2007-01-22 Sold (Public Records) $199,000 Public Records
- 2007-01-19 Sold (MLS) $199,000 Smart MLS
- 2006-11-15 Listed $199,000 Smart MLS
- 2005-05-12 Sold (Public Records) $172,000 Public Records
- 2005-01-12 Sold (Public Records) $55,000 Public Records
- 2004-02-11 Sold (Public Records) $25,000 Public Records
Property tax history
+5.0%/yrLatest (2023): $6,092 · +72.1% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…