Cost of Living in Hartford
Hartford's cost of living centers on a real, genuinely mixed picture -- moderate housing costs and low insurance, set against a genuinely high property tax burden.
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Learn moreHousing runs close to the national figure
Hartford's median sale price (~$407,000, H1 2026) runs close to both the $408,776 national comparison figure and Vermont's own statewide figures.
Genuinely low homeowners insurance
Hartford's average homeowners insurance (~$780/year) runs below both the national average and Vermont's own already-low statewide average.
A genuinely high property tax burden
Ownwell's cited 2.76% effective property tax rate runs well above the national median, and Hartford's new 1% local-option tax brings the combined sales tax rate to 7.0%.
Key takeaways
- Hartford's housing costs run close to the national comparison figure.
- Homeowners insurance runs genuinely below both national and Vermont statewide averages.
- Property taxes run genuinely high -- budget accordingly.
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