Metro area index
Home appreciation in the Waterbury-Shelton, CT metro area
FHFA HPI® data shows the Waterbury-Shelton, CT metro area's all-transactions index changed +3.9% over the year to Q2 2026, versus +5.7% for Connecticut and +3.0% for the U.S. That ranks 163rd of 410 metro areas and divisions FHFA tracks.
- 1-year change
- +3.9%
- 5-year change
- +55.2%
- Since Q1 1995
- +216%
- Metro rank (1 year)
- 163rd
U.S. +3.0%
U.S. +41.3%
U.S. +292%
of 410
Waterbury-Shelton, CT vs Connecticut and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- Waterbury-Shelton, CT: 316.3
- Connecticut: 340.3
- United States: 391.6
Appreciation by time window
| Window | Metro | CT | U.S. | Gap vs CT | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +3.9% | +5.7% | +3.0% | −1.8 pts | +0.9 pts |
| 3 years | +21.7% | +23.6% | +12.9% | −1.9 pts | +8.9 pts |
| 5 years | +55.2% | +56.1% | +41.3% | −0.9 pts | +13.9 pts |
| 10 years | +94.6% | +90.6% | +93.3% | +4.0 pts | +1.3 pts |
| Since Q1 1995 | +216% | +240% | +292% | −24.0 pts | −75.2 pts |
Boom, bust, and recovery in Waterbury-Shelton, CT area
Waterbury-Shelton, CT area's index peaked in Q1 2007, fell 24.3% to its low in Q1 2014, and regained its peak in Q3 2021, about 14.5 years after the top. Today it sits +50.4% versus that 2000s peak. How every state and ZIP region fared
| Area | 2000s peak | Low point | Peak to low | Back to peak | Today vs peak |
|---|---|---|---|---|---|
| Metro | Q1 2007 | Q1 2014 | -24.3% | Q3 2021 (14.5 yrs) | +50.4% |
| CT | Q1 2007 | Q1 2014 | -20.1% | Q2 2021 (14.2 yrs) | +56.5% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, Waterbury-Shelton, CT area's index has changed +42.9% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | Metro after inflation | CT after inflation | U.S. after inflation |
|---|---|---|---|---|
| 1 year | +3.9% | +0.0% | +1.7% | -0.8% |
| 3 years | +9.8% | +10.8% | +12.6% | +2.8% |
| 5 years | +24.0% | +25.1% | +25.9% | +13.9% |
| 10 years | +39.1% | +39.9% | +37.1% | +39.0% |
| Since Q1 1995 | +121% | +42.9% | +53.7% | +76.8% |
If you bought in the Waterbury-Shelton, CT area in…
An example $300,000 purchase grown at the metro index rate to Q2 2026.
| Bought in | Index change | $300,000 then, at the metro rate |
|---|---|---|
| Q2 1995 | +209% | $926,870 |
| Q2 2000 | +164% | $790,709 |
| Q2 2005 | +64.6% | $493,797 |
| Q2 2010 | +80.0% | $539,932 |
| Q2 2015 | +94.5% | $583,490 |
| Q2 2020 | +78.4% | $535,242 |
| Q2 2021 | +55.2% | $465,595 |
| Q2 2023 | +21.7% | $365,156 |
| Q2 2025 | +3.9% | $311,697 |
Frequently asked questions
- How much have home prices risen in the Waterbury-Shelton, CT area?
- FHFA HPI® data for the Waterbury-Shelton, CT metro area shows changes of +3.9% over one year, +55.2% over five years, and +94.6% over ten years to Q2 2026, and +216% since Q1 1995.
- Is the Waterbury-Shelton, CT area beating the national average?
- Over the past year the metro's index moved +0.9 pts versus the U.S.; over five years the gap is +13.9 pts.
- What area does this metro index cover?
- FHFA computes metro indexes using the counties in each OMB-defined metropolitan statistical area. The index covers the whole area, so individual neighborhoods and homes can differ from it.