Hartford, CT vs Albany, NY: Cost of Living

Which city costs less?

Albany, NY has a modeled overall cost index 14.8% lower than Hartford, CT.

Hartford, CT · modeled 2BR rent: $1,775 / month
Albany, NY · modeled 2BR rent: $1,690 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Hartford, CT and Albany, NY using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Hartford, CT

Numbers update automatically as you type

Estimated savings: $1,127/month in Albany, NY

$150,000 in your current city has a modeled equivalent of $136,472 in Albany, NY

Regional cost estimates: Hartford, CT uses Boston, MA. Albany, NY uses Newark, NJ. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 14.8%

Less expensive

Monthly Impact

$1,127

Savings

Annual Impact

$13.5K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Hartford, CT

Population:120K

Cost Index:

112.6

100 = national average

Typical Home:$217K

Albany, NY

Population:101K

Cost Index:

95.9

100 = national average

Typical Home:$248K

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Hartford, CT

The Constitution State

120K

Population

State Tax

Yes

Located in Connecticut, this city has a population of 120K residents.

Albany, NY

The Empire State

101K

Population

State Tax

Yes

Located in New York, this city has a population of 101K residents.

Cost Breakdown by Category

Estimated monthly spending: Hartford, CT vs Albany, NY

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Hartford, CT	Albany, NY	Difference	Change
Housing	$3,145/mo	$1,584/mo	↓ $1,561less	49.6%
Other	$1,209/mo	$1,577/mo	↑ $368more	30.5%
Groceries	$822/mo	$908/mo	↑ $85.63more	10.4%
All Utilities	$545/mo	$492/mo	↓ $53.43less	9.8%
Transportation	$1,212/mo	$1,244/mo	↑ $31.68more	2.6%
Healthcare	$566/mo	$568/mo	↑ $1.57more	0.3%

Housing

↓ 49.6%

Hartford, CT

$3,145

Albany, NY

$1,584

Difference

$1,561

less

Other

↑ 30.5%

Hartford, CT

$1,209

Albany, NY

$1,577

Difference

$368

Groceries

↑ 10.4%

Hartford, CT

$822

Albany, NY

$908

Difference

$85.63

All Utilities

↓ 9.8%

Hartford, CT

$545

Albany, NY

$492

Difference

$53.43

less

Transportation

↑ 2.6%

Hartford, CT

$1,212

Albany, NY

$1,244

Difference

$31.68

Healthcare

↑ 0.3%

Hartford, CT

$566

Albany, NY

$568

Difference

$1.57

🏠Rent Comparison

Studio

From$1,225

To$1,210

↓ $15.00

1 Bed

From$1,405

To$1,410

↑ $5.00

2 Bed

From$1,775

To$1,690

↓ $85.00

3 Bed

From$2,125

To$2,030

↓ $95.00

Hartford, CTZIP-level data

1BR range: $1,300–$1,900/mo

Albany, NYZIP-level data

1BR range: $1,180–$1,640/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Hartford, CT

$6,373

Monthly in Albany, NY

$1,127

Difference

Home Values

Hartford

Albany

$217K

Median Value

$248K

↑ +6.1%

YoY Change

↑ +3.8%

↑ +60.2%

5-Year Change

↑ +38.9%

$111K - $247K

Price Range

$168K - $329K

Homes in Albany are 14% more expensive than Hartford

Calculate payment - Hartford Calculate payment - Albany

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $1.5K

More taxes

Monthly Difference

$124

Less take-home

Effective Rate Diff

1.0%

Rate difference

Hartford, CT

Federal Income Tax

Effective: 18.9%

$25.5K

Connecticut State Tax

Effective: 5.4%

$8.1K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.0%

$45.1K

Take-Home Pay

$8,745/month

$104.9K

Albany, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

Additional Tax Information

Hartford, CT Tax Rates

Sales Tax:6.3%

Property Tax:2.1%

Albany, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Hartford

Albany

36 Good

Air Quality

N/A

79.5%

Good Air Days

94 Moderate

Climate Risk

98 High

🌊🌅🌀

Top Hazards

🌊🌡🌪

▲+2.5°F

2050 Outlook

▲+2.9°F

6 days

Heat Days >95°F

15 days

▲+2.5°F

2050 Outlook

▲+2.9°F

6 days

Heat Days >95°F

15 days

Before moving from Hartford, CT to Albany, NY

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Albany, NY for the same bedroom count and included utilities as your home in Hartford, CT. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Hartford to Albany moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Albany, NY by cost, housing, population and region.

Frequently Asked Questions: Hartford, CT vs Albany, NY

How do the cost estimates for Hartford, CT and Albany, NY compare?

Albany, NY has a modeled overall cost index 14.8% lower than Hartford, CT. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Hartford, CT, the model estimates $136,472 in Albany, NY. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Hartford, CT and Albany, NY?

The modeled two-bedroom rents are $1,775/month in Hartford, CT and $1,690/month in Albany, NY. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Connecticut and New York on TaxTakeHome.com