Hartford-area homeowners are catching a break on their mortgage payments, according to a new report from homebuying finance company Unison.

Year-over-year, the median area income grew 10 percent in 2018, while the monthly payment on a mortgage for the median home grew by only 7 percent from 2017, to $855. The calculations assumed the home had been bought with a 20 percent down payment, and the mortgage had a 3.99 percent fixed-rate mortgage.

It currently takes 20 years for the median Hartford-area household, earning $34,254, to save up enough money for the 20 percent down payment on the median house, which Unison valued at $174,598. That figure drops to 5 years for a household earning $42,789 saving for a 5 percent down payment.

The median sale price for a single-family home in Hartford County was $227,000 in 2018 according to The Warren Group, publisher of The Commercial Record. The median condominium price was $150,000 in the same year.