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Waterbury-Shelton, CT

Cost of living in Naugatuck Valley Planning Region, CT

Part of the Waterbury Metro Area

Estimated monthly cost
$3,372/mo
for a single person, all categories combined

Population 452,303 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,019 30%
Federal tax $666 20%
Healthcare $480 14%
Groceries $378 11%
Transport $320 9%
Energy $284 8%
State tax $170 5%
Water $55 2%

Rent in Naugatuck Valley Planning Region

Fair Market Rents by bedroom count.

Studio
$920
per month
1 bedroom
$1,019
per month
2 bedroom
$1,348
per month
3 bedroom
$1,542
per month
4 bedroom
$1,783
per month

Source: ACS 2019-2023 5-Year

Income and earnings in Naugatuck Valley Planning Region

Annual earnings figures from the Census ACS.

Household income
$86,365
per year
Individual earnings
$50,774
per year
Per capita
$46,063
per year

Source: ACS 2019-2023 5-Year.

Home values in Naugatuck Valley Planning Region

Average values reported by homeowners.

Average home value
$290,800
Annual property tax
$5,926

Source: ACS 2019-2023 5-Year

Energy costs in Naugatuck Valley Planning Region

Estimated monthly electricity and gas costs.

Electricity
$208
per month · 29.7¢/kWh
Natural gas
$76
per month
Annual total
$3,408
per year

Source: EIA

Healthcare in Naugatuck Valley Planning Region

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
4.5%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Naugatuck Valley Planning Region

State and local tax rates for Connecticut.

State income tax
7.0%
Top marginal rate
State sales tax
6.3%
Combined sales tax
6.3%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Naugatuck Valley Planning Region

Commute patterns and estimated costs.

Average commute
28.4 min
Drive alone
75.4%
Public transit
1.5%
Work from home
11.4%

Source: ACS

Monthly cost estimates for Naugatuck Valley Planning Region

What it costs to live in Naugatuck Valley Planning Region each month.

Single person
$3,372
per month
  • Rent $1,019
  • Energy $284
  • Water $55
  • Groceries $378
  • Transport $320
  • Healthcare $480
  • Federal tax $666
  • State tax $170
Couple
$5,081
per month
  • Rent $1,348
  • Energy $341
  • Water $65
  • Groceries $626
  • Transport $420
  • Healthcare $864
  • Federal tax $1,084
  • State tax $333
Family
$7,480
per month
  • Rent $1,542
  • Energy $426
  • Water $75
  • Groceries $950
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,084
  • State tax $333

Frequently asked questions about Naugatuck Valley Planning Region

Common questions about cost of living, rent and salary.

What is the average rent in Naugatuck Valley Planning Region?

In Naugatuck Valley Planning Region, CT, a one-bedroom apartment averages $1,019 per month, a two-bedroom averages $1,348 per month, a three-bedroom averages $1,542 per month, according to HUD Fair Market Rent data.

What is the average salary in Naugatuck Valley Planning Region?

In Naugatuck Valley Planning Region, CT, the average household income is $86,365 per year and individual earnings for full-time workers average $50,774 per year, according to U.S. Census Bureau data.

What is the cost of living in Naugatuck Valley Planning Region?

The estimated cost of living in Naugatuck Valley Planning Region, CT is approximately $3,372 per month for a single person, $5,081 for a couple, $7,480 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Naugatuck Valley Planning Region?

The combined sales tax rate in Naugatuck Valley Planning Region, CT is 6.35%, which includes the Connecticut state rate of 6.35% plus an average local rate of 0.00%.

Is Naugatuck Valley Planning Region an affordable place to live?

Based on the data, a single person in Naugatuck Valley Planning Region, CT would need approximately $3,372 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $86,365 per year ($7,197 per month). Naugatuck Valley Planning Region is relatively affordable compared to the national average.

How much does healthcare cost in Naugatuck Valley Planning Region?

The ACA marketplace benchmark premium in Naugatuck Valley Planning Region, CT is approximately $480 per month for an individual. Approximately 4.5% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Naugatuck Valley Planning Region?

The average home value in Naugatuck Valley Planning Region, CT is $290,800, with average annual property taxes of $5,926, according to U.S. Census Bureau data.

How does Naugatuck Valley Planning Region compare to other areas?

You can compare Naugatuck Valley Planning Region, CT with any other US county using our comparison tool at /compare. Naugatuck Valley Planning Region is in the Waterbury-Shelton, CT metro area.

Other counties in Connecticut

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About this data

All figures on this page come from official U.S. government sources, listed below.

  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources