06896 — Fairfield County, Connecticut Market Snapshot
Housing market data for zip code 06896 in Fairfield County, Connecticut. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$940,000
Days to Sell
71
Homes Sold
13
Inventory
38
Sale-to-List
102.0%
New Listings
48
Price/SqFt
$281
Pending Sales
32
Jumbo Loan Likely Needed
The median home in 06896 at $940,000 exceeds the 2026 conforming loan limit of $832,750 by $107,250. 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
With homes sitting for 71 days on average, 06896 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 06896 (102.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 06896 at $940,000 exceeds the 2026 conforming loan limit of $832,750 by $107,250. 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 06896 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 06896
To purchase the median home at $940,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,352.
Monthly Payment
$7,352
Income Required
$315,085
Principal & Interest
$5,792/mo
Down Payment (5%)
$47,000
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 06896.
Estimated Monthly Payment
$5,967
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 06896. Tell us what you're looking for.