06851 — Fairfield County, Connecticut Market Snapshot
Housing market data for zip code 06851 in Fairfield County, Connecticut. Updated monthly with median prices, days on market, and more.
Market Sales Data
36 sales in 2026 (year to date)
Median Sale Price
$845,000
Days to Sell
34
Homes Sold
36
Inventory
28
Sale-to-List
105.5%
New Listings
62
Price/SqFt
$397
Pending Sales
59
Jumbo Loan Likely Needed
The median home in 06851 at $845,000 exceeds the 2026 conforming loan limit of $832,750 by $12,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
06851's market is balanced with homes taking an average of 34 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 06851 are selling 5.5% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 06851 at $845,000 exceeds the 2026 conforming loan limit of $832,750 by $12,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 06851 are set at the county level.
2026 Loan Limits — Fairfield County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 06851
To purchase the median home at $845,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,624.
Monthly Payment
$6,624
Income Required
$283,891
Principal & Interest
$5,207/mo
Down Payment (5%)
$42,250
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 06851.
Estimated Monthly Payment
$5,380
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