Real Estate Investing in Torrington, Connecticut (06790)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Litchfield County • Population: 35,544 • Data updated: September 2026

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Should you buy in 06790 (Torrington, CT)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (61/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (52/100)

Rare combination of both appreciation and cash flow. These markets don't last long — worth serious consideration.

⚠️ Risks to Know
1 flag
  • High vacancy: 13.5% of homes vacant — above national norms.

What’s happening in Torrington, CT (06790)?

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3.0/ 5

Investability

Overall investment appeal

4.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $302,886
Avg Monthly Rent $1,604
1% Rule ✗ Does Not Meet
Median Income $66,762
% Renters 35.9%

Market Analysis: 06790 Torrington

The 06790 ZIP in Torrington, CT is a local-operator market. Outside capital chasing a $303K entry has to pair deep knowledge with the discount.

Distressed markets are won on execution, not on spreadsheets. ZIP 06790 shows the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Regionally, 06790 sits on the difficult end of the CT spectrum. The worth a close look for read — for disciplined operators — is that pricing reflects the difficulty.

Employment concentration in 06790 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

New investors are better served looking at Torrington's stable or hybrid ZIPs before stepping into 06790. The learning curve here is expensive when the lesson is wrong.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Torrington:

B Good
Buy Confidence Score: 76/100
Affordability
15/25
Appreciation
25/25
Stability
13/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.5× the median income
Value Trend
Rising (+5.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,604/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Torrington, CT Metro Area
Even conditions for buyers and sellers
45 days
Average time to sell
Average
7.9%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Torrington, CT metro data
🏠

Property Strategy for 06790

Which property type performs best in this market?

Best for Cash Flow
1BR
5.8% cap rate
Best for Appreciation
1BR
+18.2% 5yr CAGR
Best Overall Value
5BR
$74,584/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $154,607 $1,250 5.8% +18.2% $154,607
2BR $240,972 $1,530 4.6% +14.0% $120,486
3BR $298,714 $1,970 4.7% +12.4% $99,571
4BR $352,509 $2,220 4.5% +12.2% $88,127
5BR $372,919 +12.5% $74,584

Market Trends

Home Value History (with trend line)

$318K$279K$239K$200K$160K$120KJan 2012May 2019Jul 2026

Rent History (with trend line)

$1,629$1,557$1,485$1,413$1,341$1,269Apr 2024Jun 2025Jul 2026

📊 How Does 06790 Compare?

Metric 06790 Torrington Torrington, CT Connecticut
Home Value $302,886 $302,886 N/A $425,784
5-Year CAGR 9.6% 9.6% N/A 9.3%
Avg Rent $1,604 $1,604 N/A -
Cap Rate 4.1% 4.1% - -
💡 Why Invest in 06790? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

A healthy rental market with 36% renter-occupied households ensures tenant availability.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 06790 (Torrington, CT). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.1%
Fair
5yr Growth
+9.6%
Strong

📉 Market Crash Risk Index

Based on Torrington, CT metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
40%
Days Pending
1/2
45 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $302,886
Monthly Rent $1,604
Price-to-Rent 15.7:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.4%
Cap Rate 4.1%
5-Year IRR 13.7%

📈 Home Appreciation

1-Year +5.7% ▲
3-Year CAGR +7.9% ▲
5-Year CAGR +9.6% ▲
10-Year CAGR +8.4% ▲

🏠 Rent Trends

1-Year +3.8% ▲
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.1%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
13.5%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+9.6%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 06790

Population: 35,544

💰 Median Household Income
$66,762
This area
$66,762
State
$105,835
USA
$74,580
🏠 Renter Occupied
35.9%
This area
35.9%
State
26.8%
USA
34.0%
💼 Unemployment Rate
3.8%
This area
3.8%
State
-3.3%
USA
3.7%
🎓 College Educated
24.6%
This area
24.6%
State
27.6%
USA
33.7%
👤 Median Age
40.9 years
This area
40.9 years
State
29.1 years
USA
38.9 years
🏚️ Vacancy Rate
13.5%
This area
13.5%
State
10.3%
USA
10.5%
👥 Population by Ethnicity
White 72.5%
Other/Mixed 13.7%
Black/African American 10.4%
Hispanic/Latino 9.4%
Asian 3.4%
👶 Under 18
19.0%
This area
19.0%
USA
22.0%
👴 65 and Over
16.5%
This area
16.5%
USA
17.3%
📊 Poverty Rate
10.4%
This area
10.4%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 06790

A+ Avg School Grade
7 Schools
12.0:1 Avg Class Size
$24,482 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Forbes School

📚 04 – 05 Elementary
👥
302 Students
👨‍🏫
11.1:1 Class Size
💰
$28,477 Per Student
A+ Excellent

Southwest School

📚 04 – 05 Elementary
👥
305 Students
👨‍🏫
11.2:1 Class Size
💰
$28,477 Per Student
A+ Excellent

Torringford School

📚 K – 03 Elementary
👥
623 Students
👨‍🏫
12.8:1 Class Size
💰
$28,477 Per Student
A+ Excellent

Vogel-Wetmore School

📚 K – 03 Elementary
👥
576 Students
👨‍🏫
12.8:1 Class Size
💰
$28,477 Per Student
A+ Excellent

Torrington High School

📚 09 – 12 High School
👥
1,012 Students
👨‍🏫
11.7:1 Class Size
💰
$28,477 Per Student
A+ Excellent

Torrington Middle School

📚 06 – 08 Middle
👥
969 Students
👨‍🏫
12.1:1 Class Size
💰
$28,477 Per Student
C+ Average

Oliver Wolcott Technical High School

📚 09 – 12 High School
👥
648 Students
👨‍🏫
12.2:1 Class Size
💰
$515 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

1 Nearby
C
Bristol Technical Education Center
152 students · 12.4 mi

Frequently Asked Questions

How do home values compare in Torrington, CT?

Homes in Torrington, CT typically sell near $303K. Prices have moved at a 0.0% 5-year CAGR, which reliable long-term demand.

Is the tenant base reliable in Torrington, CT?

Tenant demand in Torrington, CT is solid. The local workforce $1,604/mo rents across most rental classes.

What is the best play in Torrington, CT?

For Torrington, CT, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

Can I house hack in Torrington, CT?

Torrington, CT offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,604/mo rent level.

Is Torrington, CT a good place for real estate investing?

Yes - Torrington, CT a 3.0/5 investability score. With $303K home prices against $1,604/mo monthly rent, the market delivers a reasonable entry point for new investors.

You know 06790 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 06790 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 06790 ranks in Torrington, CT

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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