| Index | Middletown | Connecticut | National |
| Cost of living | 113 | 118 | 100 |
| Groceries | 107 | 106 | 100 |
| Health care | 109 | 111 | 100 |
| Housing | 126 | 139 | 100 |
| Transportation | 104 | 107 | 100 |
| Utilities | 106 | 108 | 100 |
| Lifestyle & Entertainment | 105 | 110 | 100 |
| Household Items | 105 | 106 | 100 |
| Education & Childcare | 113 | 116 | 100 |
Are you thinking about relocating, but curious about the potential cost of living in Middletown? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Middletown stands at 113, making it 13% higher than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.
Housing costs are a major factor in the Middletown cost of living index, and they often eat up a big chunk of your take-home pay. Unfortunately, in this area, housing expenses for both homeownership and rentals were 26.2% higher than what's typical in an average city. That includes the prices of homes and rents, as well as mortgage rates and insurance.
Is Middletown affordable? This is a pivotal question, especially when mulling over a move, as affordability carries substantial weight in your decision-making process. Factors such as the cost of living index (discussed earlier), housing expenses and income levels all contribute to a location's affordability. For instance, in Middletown, the median home price is 29% higher than the national average and monthly rent prices are 19.6% higher than the typical rates. Additionally, the median income levels play a role in affordability, with Middletown boasting a median household income of $91,342, 12.3% higher than the national average.
Urbanization: Larger, urban hubs brimming with ample amenities and robust employment opportunities often showcase a heightened cost of living. This surge is primarily attributed to the amplified demand for services and increased residential migration, culminating in elevated home prices and elevated rental rates. Conversely, less densely populated rural locales or regions characterized by reduced demand tend to offer a more limited array of amenities and undergo slower job market growth, ultimately yielding a more affordable cost of living.
Healthcare: Healthcare expenditures and insurance premium rates can vary significantly, contingent upon the particular city or state. Factors such as the accessibility of healthcare facilities, out-of-pocket expenses for doctor's appointments, dental care charges, prescription medication costs, and expenses related to specialized medical care can all have an impact on the overall cost of living. In Middletown, healthcare costs are 9.4% higher than the national average.
Taxes: Areas with higher taxes, including sales taxes and income taxes, can contribute to a higher cost of living. Paying more tax for everyday household expenses like clothing and food will result in higher costs, as will paying a higher rate of income tax. The general sales tax rate in Middletown starts at 6.35% and the income tax rates start at 3%.
The Middletown cost of living estimates above use a normalized U.S. average of 100 as the baseline for comparison. Housing values incorporate local home price and rental information from the U.S. Census, while all other estimates are AI-assisted and modeled using expected everyday expenses, local market trends, climate, and transportation-related cost pressures. The results are intended for practical city-to-city comparisons.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $140,199 | $11,683 | $3,271 | $4,206 |
| Renters | $63,083 | $5,257 | $1,472 | $1,893 |
| State | General Sales Tax | With Max Surtax |
| Connecticut | 6.35% | 6.35% |
| State | Income Tax (Low) | Income Tax (High) |
| Connecticut | 3% | 6.99% |
| City | Population | Cost of Living Index | National Avg. |
| New Britain, CT | 74,963 | 104 | 4.4% |
| Hartford, CT | 125,397 | 106 | 5.6% |
| East Hartford, CT | 51,352 | 105 | 5.2% |
| Meriden, CT | 61,712 | 107 | 6.5% |
| Bristol, CT | 61,512 | 110 | 9.5% |
| Middletown, CT | 47,540 | 113 | 12.8% |
| City | Population | Cost of Living Index | National Avg. |
| Fort Pierce, FL | 47,562 | 97 | 2.5% |
| Woodstock, ON | 47,584 | n/a | |
| Everett, MA | 47,660 | 145 | 44.8% |
| Huntington, WV | 47,371 | 85 | 14.7% |
| Littleton, CO | 47,719 | 137 | 37.3% |
| Middletown, CT | 47,540 | 113 | 12.8% |
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