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Homestead Exemption Laws in Connecticut

Connecticut protects up to $250,000 of home equity (fair market value less liens), or $75,000 against judgments for sexual abuse, sexual assault or other wilful misconduct, with no acreage limit.

Last checked . General information, not legal advice.

Connecticut at a glance

Exemption amount
$250,000
$75,000 for judgments arising from sexual abuse or exploitation of a minor, sexual assault, or other wilful, wanton or reckless misconduct.
Unlimited in value
No
Acreage limit
No acreage limit
The homestead is owner-occupied real property, a co-op or a mobile manufactured home used as a primary residence.

Sources

Last checked

The rules in Connecticut

How much home equity does the homestead exemption protect in Connecticut?

Exemption amount in Connecticut: $250,000. $75,000 for judgments arising from sexual abuse or exploitation of a minor, sexual assault, or other wilful, wanton or reckless misconduct.

Is the homestead exemption unlimited in value in Connecticut?

No. Unlimited in value in Connecticut: no.

Is there an acreage limit on the homestead exemption in Connecticut?

Acreage limit in Connecticut: No acreage limit. The homestead is owner-occupied real property, a co-op or a mobile manufactured home used as a primary residence.

Where do the Connecticut homestead exemption laws come from?

The rules above come from Conn. Gen. Stat. 52-352b(21), Conn. Gen. Stat. 52-352a and Conn. Gen. Stat. 52-350f. Each source is linked on this page. We last checked them in October 2026.

Good to know

P.A. 21-161 raised the amount from $75,000 to $250,000; the Connecticut Supreme Court held the increase applies to bankruptcy and postjudgment proceedings started on or after October 1, 2021.

Since July 1, 2025 (P.A. 25-91), when a creditor forecloses a judgment lien on real property, the lien amount is calculated after subtracting the exempt amount.

What this means in practice

The exemption applies to equity, not to the full value of the home. Equity is the market value minus the mortgages and other liens on the property. A lender that holds a mortgage on the home, and certain other claims such as taxes on the property, can usually still be enforced against it regardless of the exemption.

Check whether you need to take a step to claim the protection. Some states protect a home automatically once it is your residence, while others require you to record a homestead declaration with the county or to claim the exemption in court when a creditor tries to collect.

In bankruptcy, federal law can limit a state homestead exemption for a home bought within a set period before the filing, and residency rules decide which state's exemptions apply if you moved recently. Some states also let filers choose the federal bankruptcy exemptions instead of the state list. A bankruptcy attorney can confirm which rules apply to your situation.

General information, not legal advice. Laws change, and cities can add their own rules, so check the current statute before you rely on it.