06604 — Fairfield County, Connecticut Market Snapshot
Housing market data for zip code 06604 in Fairfield County, Connecticut. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$423,000
Days to Sell
42
Homes Sold
10
Inventory
9
Sale-to-List
100.6%
New Listings
20
Price/SqFt
$296
Pending Sales
14
Conforming Loan Available
Most homebuyers in 06604 can comfortably use conventional financing. The median home price of $423,000 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
06604's market is balanced with homes taking an average of 42 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 06604 (100.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 06604 can comfortably use conventional financing. The median home price of $423,000 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 06604 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 06604
To purchase the median home at $423,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,391.
Monthly Payment
$3,391
Income Required
$145,324
Principal & Interest
$2,606/mo
Down Payment (5%)
$21,150
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 06604.
Estimated Monthly Payment
$2,768
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