Is $48,000 a good salary in Connecticut?

$48,000 in Connecticut provides a monthly take-home of approximately $3,206 after taxes. Across major Connecticut cities, this salary is rated manageable, with an average monthly surplus of $346.

What is the cost of living on $48,000 in Connecticut?

The average monthly living cost across major Connecticut cities is approximately $2,860 for a single adult (rent, food, transport, utilities, healthcare). On $48,000 take-home pay of $3,206/month, you would have roughly $346/month remaining.

Living in Connecticut · 2026

Is $48,000 enough to live in Connecticut?

Single adult · CT · 2026 tax brackets · Real cost-of-living data

Statewide verdict:Manageable

Monthly take-home

$3,206

Avg monthly expenses

$2,860

Avg monthly surplus

$346

Savings potential

~11%

After-tax take-home in Connecticut

Gross salary$48,000

Federal income tax− $3,654

State income tax− $2,200

Social Security− $2,976

Medicare− $696

Annual take-home$38,474

Effective tax rate19.85%

How $48,000 feels in Connecticut cities

Rent: HUD FMR 2026 · Food: USDA Low-Cost Plan × COL · Transport/Utilities/Healthcare: BLS CES × COL

Bridgeport

COL index: 1.18× national avg

Manageable

Rent (1BR)

$1,600

Food

$537

Transport

$207

Utilities

$195

Healthcare

$236

Total: $2,775/mo

Surplus: $431/mo

Rent burden: 49.9% — High (35–50%)

Full Bridgeport analysis →

New Haven

COL index: 1.16× national avg

Comfortable

Rent (1BR)

$1,550

Food

$528

Transport

$203

Utilities

$191

Healthcare

$232

Total: $2,704/mo

Surplus: $502/mo

Rent burden: 48.3% — High (35–50%)

Full New Haven analysis →

Hartford

COL index: 1.08× national avg

Comfortable

Rent (1BR)

$1,400

Food

$506

Transport

$189

Utilities

$178

Healthcare

$216

Total: $2,489/mo

Surplus: $717/mo

Rent burden: 43.7% — High (35–50%)

Full Hartford analysis →

Stamford

COL index: 1.48× national avg

Very tight

Rent (1BR)

$2,200

Food

$638

Transport

$259

Utilities

$244

Healthcare

$296

Total: $3,637/mo

Surplus: $-431/mo

Rent burden: 68.6% — Unaffordable (> 50%)

Full Stamford analysis →

Waterbury

COL index: 0.98× national avg

Comfortable

Rent (1BR)

$1,200

Food

$475

Transport

$172

Utilities

$162

Healthcare

$196

Total: $2,205/mo

Surplus: $1,001/mo

Rent burden: 37.4% — High (35–50%)

Full Waterbury analysis →

Norwalk

COL index: 1.38× national avg

Very tight

Rent (1BR)

$2,000

Food

$607

Transport

$241

Utilities

$228

Healthcare

$276

Total: $3,352/mo

Surplus: $-146/mo

Rent burden: 62.4% — Unaffordable (> 50%)

Full Norwalk analysis →

50 / 30 / 20 Budget Planner

Based on your monthly take-home of $3,206 ($38,472/yr)

Needs 50%Wants 30%Savings 20%

Needs50%

$1,603

per month

›Rent / mortgage
›Groceries
›Utilities
›Insurance
›Minimum debt payments
›Transportation

Wants30%

$962

per month

›Dining out
›Streaming services
›Gym
›Hobbies
›Travel
›Shopping

Savings20%

$641

per month

›Emergency fund
›401(k) / IRA
›Investments
›Down payment fund
›Debt payoff (extra)

Needs / year

$19,236

Wants / year

$11,542

Savings / year

$7,694

Salary Intelligence

Below comfortable level in Bridgeport

Rent would consume 50% of take-home income — above the 35% stress threshold. A higher salary or lower-cost housing is needed for financial stability in this city.

Lifestyle score: 3.7/10 (Challenging)

Lifestyle Assessment

A $48,000 salary supports a challenging single lifestyle in Bridgeport, Connecticut. After essential expenses, approximately $431/month (~13% of take-home) is available for savings or discretionary spending.

Purchasing Power

Bridgeport's above-average cost of living (index: 1.18) means $48,000 provides the purchasing power of roughly $40,678 in an average-cost US city, or $48,000 in Austin. Moving to a lower-cost state could effectively increase your take-home by thousands.

State & National Benchmark

$48,000 is 10% below the Connecticut individual median of $53,100. Consider negotiating a higher salary or exploring higher-paying roles in this state.

State individual median

$53,100

-10%

State household median

$90,213

-47%

Tax reduction strategies

Maximize 401(k) Contributions — Up to $5,170 in federal tax (22% bracket)

Contribute to a Traditional IRA — Up to $1,540 in federal tax (22% bracket)

$48,000 vs. Connecticut income benchmarks

Individual median (Connecticut)

$53,100

-10% vs. this salary

Household median (Connecticut)

$90,213

-47% vs. this salary

Source: US Census Bureau ACS 2023

Related salary insights

Explore other salary levels in Connecticut

$40,000 $60,000 $100,000 $150,000 $200,000 $300,000

Reviewed by

Finance Editor

CPA, 10+ years in personal finance

Data Sources

•Tax calculations: IRS federal tax tables
•Rent data: HUD Fair Market Rents
•Cost-of-living index: C2ER / ACCRA Cost of Living Index

Data updated monthly using government datasets.