Market Overview
Home Prices in Scotland, CT
The median home value in Scotland, CT is $385,885 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.6% compared to a year ago and up 7.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Scotland are priced6% below average. Scotland is part of the Worcester, MA-CT metro area.
Over the past five years, Scotland home values have risen by approximately38.4%, reflecting strong long-term appreciation in this market.
Price History
Scotland Home Price Trend
City Comparison
Scotland vs. National Median
At $385,885, homes in Scotland cost 6% below the national median of $410,000. This makes Scotland a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Scotland?
20% Down Payment
$77,177
on $385,885
Monthly P&I
$2,013/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,557/mo
incl. taxes & insurance
Income Needed
$102,280
gross annual (30% rule)
10% Down Option
$38,589
+ PMI applies
Loan Amount (20% dn)
$308,708
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Scotland, CT?
The median home value in Scotland is $385,885 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.6% year-over-year.
How much have home prices changed in Scotland?
Over the past year, home values in Scotland have increased by 3.6%. Over five years, prices have risen approximately 38.4%.
How much do I need to earn to buy a home in Scotland?
To comfortably afford the median home price of $385,885 with a 20% down payment ($77,177) at today's rates (6.8%), you'd need a gross annual income of approximately $102,280. This assumes keeping total housing costs at or below 30% of gross income.
How does Scotland compare to the national average home price?
The national median home value is approximately $410,000. At $385,885, homes in Scotland are 6% below the national average.
What metro area is Scotland part of?
Scotland is part of the Worcester, MA-CT metropolitan area. Home prices and market conditions can vary across the broader metro region.