06850 — Fairfield County, Connecticut Market Snapshot
Housing market data for zip code 06850 in Fairfield County, Connecticut. Updated monthly with median prices, days on market, and more.
Market Sales Data
53 sales in 2026 (year to date)
Median Sale Price
$608,125
Days to Sell
34
Homes Sold
53
Inventory
38
Sale-to-List
104.3%
New Listings
75
Price/SqFt
$374
Pending Sales
61
Conforming Loan Available
Most homebuyers in 06850 can comfortably use conventional financing. The median home price of $608,125 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
06850'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 06850 are selling 4.3% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 06850 can comfortably use conventional financing. The median home price of $608,125 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 06850 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 06850
To purchase the median home at $608,125 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,809.
Monthly Payment
$4,809
Income Required
$206,111
Principal & Interest
$3,747/mo
Down Payment (5%)
$30,406
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 06850.
Estimated Monthly Payment
$3,914
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