FHA Loans in Connecticut
About This State and its People, Places, and Industries
Connecticut is a state in the New England region of the northeastern United States. It is bordered by Rhode Island to the east, Massachusetts to the north, and New York to the west and south (because various islands of New York span Connecticut's entire coast).Southwestern Connecticut is part of the New York metropolitan area; three of Connecticut's eight counties, including most of the state's population, are in the New York City combined statistical area, commonly called the Tri-State Region. Connecticut's center of population is in Cheshire, New Haven County.
Connecticut is the 29th most populous state, with 3.4 million residents, and is ranked 48th in size by area, making it the 4th most densely populated state. Called the Constitution State and the Nutmeg State, Connecticut has a long history dating from early colonial times and was influential in the development of the federal government.
Connecticut's first European settlers were Dutch and established a small, short-lived settlement in present-day Hartford at the confluence of the Park and Connecticut rivers, called Huys de Goede Hoop. Initially, half of Connecticut was a part of the Dutch colony, New Netherland, which included much of the land between the Connecticut and Delaware rivers.
The first major settlements were established in the 1630s by the English. Thomas Hooker led a band of followers overland from the Massachusetts Bay Colony and founded what would become the Connecticut Colony; other settlers from Massachusetts founded the Saybrook Colony and the New Haven Colony. Both the Connecticut and New Haven Colonies established documents of Fundamental Orders, considered the first constitutions in North America. In 1662, the three colonies were merged under a royal charter, making Connecticut a crown colony. This colony was one of the Thirteen Colonies that revolted against British rule in the American Revolution.
Connecticut enjoys a temperate climate due to its long coastline on Long Island Sound. This has given the state a strong maritime tradition. Modern Connecticut is also known for its wealth. In the 18th and 19th centuries, Connecticut had ready access to raw materials which helped to develop a strong manufacturing industry, and financial organizations flourished: first insurance companies in Hartford, then hedge funds in Fairfield county. This prosperity has helped give Connecticut the highest per capita income, Human Development Index, and median household income in the country.
As of 2005, Connecticut has an estimated population of 3,510,297, which is an increase of 11,331, or 0.3%, from the prior year and an increase of 104,695, or 3.1%, since the year 2000. This includes a natural increase since the last census of 67,427 people (that is 222,222 births minus 154,795 deaths) and an increase due to net migration of 41,718 people into the state. Immigration from outside the United States resulted in a net increase of 75,991 people, and migration within the country produced a net loss of 34,273 people. Based on the 2005 estimates, Connecticut moves from the 29th most populous state to 30th.
6.6% of its population was reported as being under 5 years old, 24.7% under 18 years old, and 13.8% were 65 years of age or older. Females made up approximately 51.6% of the population, with 48.4% male.
In 1790, 97% of the population in Connecticut was classified as "rural". The first census in which less than half the population was classified as rural was 1890. In the 2000 census, it was only 12.3%. Most of western and southern Connecticut is strongly associated with New York City; this area is the most affluent and populous region of the state. Eastern Connecticut is more culturally influenced by the greater New England area, including the cities of Boston and Providence. Some cite this cultural split when noting the state's lack of professional sports teams, i.e., NHL (hockey) since the mid 1990s, NFL (football), MLS (soccer), and men's basketball.
The total gross state product for 2006 was $204 billion. The per capita income for 2007 was $54,117, ranking first among the states. There is, however, a great disparity in incomes throughout the state; although New Canaan has one of the highest per capita incomes in America, Hartford is one of the ten cities with the lowest per capita incomes in America. As with Bridgeport, New Haven and other cities in the state, Hartford is surrounded by wealthier suburbs.
New Canaan is the wealthiest town in Connecticut, with a per capita income of $85,459. Darien, Greenwich, Weston, Westport and Wilton also have per capita incomes over $65,000. Hartford is the poorest municipality in Connecticut, with a per capita income of $13,428 in 2000. There are other lower-income and blue-collar towns, mostly parts of towns, in the eastern part of the State.
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