06451 — Hartford County, Connecticut Market Snapshot
Housing market data for zip code 06451 in Hartford County, Connecticut. Updated monthly with median prices, days on market, and more.
Market Sales Data
47 sales in 2026 (year to date)
Median Sale Price
$365,000
Days to Sell
45
Homes Sold
47
Inventory
28
Sale-to-List
103.1%
New Listings
45
Price/SqFt
$203
Pending Sales
38
Conforming Loan Available
Most homebuyers in 06451 can comfortably use conventional financing. The median home price of $365,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
06451's market is balanced with homes taking an average of 45 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 06451 are selling 3.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 06451 can comfortably use conventional financing. The median home price of $365,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 06451 are set at the county level.
2026 Loan Limits — Hartford 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 06451
To purchase the median home at $365,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,947.
Monthly Payment
$2,947
Income Required
$126,279
Principal & Interest
$2,249/mo
Down Payment (5%)
$18,250
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 06451.
Estimated Monthly Payment
$2,409
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