Connecticut renters and homeowners could miss $366 million in mortgage and rental payments during the coronavirus pandemic without government assistance, according to a study by the Federal Reserve Bank of Boson’s New England Public Policy Center.

According to the research, 66 percent of Connecticut homeowners have mortgages, and 34 percent of homeowners live in a household with at least one person working in an occupation at risk for a layoff during the coronavirus pandemic.

Among Connecticut renters, 96 percent have a cash rental payment due each month, with 38 percent of rental households having at least one member and 26 percent having all members working in a job that is at risk of being laid off.

The NEPPC study estimated that without government aid, 10.9 percent of Connecticut homeowners and 36.3 percent of renters could miss monthly mortgage or rental payments. This would mean that more than 98,000 homeowners and 170,000 renters could miss payments totaling $178 million for mortgages and $188 million for rental payments.

Federal and state aid, including unemployment assistance and direct payments authorized by the CARES Act, could lower the number of people missing payments to between 1.8 and 3.4 percent for homeowners and 7.7 and 12.6 percent for renters, according to the study.

“Economic interventions from Congress, primarily through the federal CARES Act, include direct payments to households and increased unemployment insurance benefits that are expected to provide vital support to many of these households for the next three to four months,” author Nicholas Chiumenti said in the study.