06831 — Fairfield County, Connecticut Market Snapshot
Housing market data for zip code 06831 in Fairfield County, Connecticut. Updated monthly with median prices, days on market, and more.
Market Sales Data
33 sales in 2026 (year to date)
Median Sale Price
$3,310,000
Days to Sell
28
Homes Sold
33
Inventory
46
Sale-to-List
104.6%
New Listings
67
Price/SqFt
$731
Pending Sales
46
Jumbo Loan Likely Needed
The median home in 06831 at $3,310,000 exceeds the 2026 conforming loan limit of $832,750 by $2,477,250. 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
Homes in 06831 are moving quickly at 28 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 06831 are selling 4.6% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 06831 at $3,310,000 exceeds the 2026 conforming loan limit of $832,750 by $2,477,250. 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 06831 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 06831
To purchase the median home at $3,310,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $25,510.
Monthly Payment
$25,510
Income Required
$1,093,293
Principal & Interest
$20,395/mo
Down Payment (5%)
$165,500
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 06831.
Estimated Monthly Payment
$20,635
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 06831.
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