Most of Waterbury is in Naugatuck Valley Planning Region, where a full-time job needs to pay at least $41.30 an hour before taxes to take home four times the typical studio rent.
Across the 13 ZIP codes in Waterbury with HUD rent figures, studio rents run from $1,130 to $1,260 a month. At the middle rent, $1,260, a full-time job would need to pay $41.30 an hour before taxes.
What the standard would be at each ZIP code's own studio rent. The calculator and the official standard use the county figure.
| ZIP | County | Studio rent | Pay needed |
|---|---|---|---|
| 06701 | Naugatuck Valley Planning Region | $1,260/mo | $41.30/hr |
| 06702 | Naugatuck Valley Planning Region | $1,130/mo | $36.21/hr |
| 06703 | Naugatuck Valley Planning Region | $1,260/mo | $41.30/hr |
| 06704 | Naugatuck Valley Planning Region | $1,200/mo | $38.95/hr |
| 06705 | Naugatuck Valley Planning Region | $1,200/mo | $38.95/hr |
| 06706 | Naugatuck Valley Planning Region | $1,200/mo | $38.95/hr |
| 06708 | Naugatuck Valley Planning Region | $1,250/mo | $40.91/hr |
| 06710 | Naugatuck Valley Planning Region | $1,130/mo | $36.21/hr |
| 06720 | Naugatuck Valley Planning Region | $1,260/mo | $41.30/hr |
| 06721 | Naugatuck Valley Planning Region | $1,260/mo | $41.30/hr |
| 06722 | Naugatuck Valley Planning Region | $1,260/mo | $41.30/hr |
| 06723 | Naugatuck Valley Planning Region | $1,260/mo | $41.30/hr |
| 06724 | Naugatuck Valley Planning Region | $1,260/mo | $41.30/hr |
Under the Four Times Rent standard, a full-time job in Waterbury needs to pay at least $41.30 an hour before taxes, about $85,901 a year. That is the figure for Naugatuck Valley Planning Region, where the typical studio rent is $1,260 a month.
Yes. Across the 13 ZIP codes in Waterbury with HUD rent figures, studio rents run from $1,130 to $1,260 a month. At the middle rent of $1,260, the pay needed would be $41.30 an hour.
The minimum wage in Naugatuck Valley Planning Region is $16.94 an hour. The Four Times Rent standard there is 2.4 times that.
The Four Times Rent standard: a month of full-time work (160 hours) should take home at least four times the typical rent on a studio apartment in the county where the work is done. Rents: HUD FY2027 Fair Market Rents. Taxes: 2026 federal and state income taxes plus Social Security and Medicare, for a single filer. Why four times rent? · Method and data downloads