06854 — Fairfield County, Connecticut Market Snapshot
Housing market data for zip code 06854 in Fairfield County, Connecticut. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$430,000
Days to Sell
22
Homes Sold
27
Inventory
18
Sale-to-List
103.7%
New Listings
29
Price/SqFt
$406
Pending Sales
25
Conforming Loan Available
Most homebuyers in 06854 can comfortably use conventional financing. The median home price of $430,000 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
Homes in 06854 are moving quickly at 22 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 06854 are selling 3.7% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 06854 can comfortably use conventional financing. The median home price of $430,000 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 06854 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 06854
To purchase the median home at $430,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,445.
Monthly Payment
$3,445
Income Required
$147,622
Principal & Interest
$2,650/mo
Down Payment (5%)
$21,500
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 06854.
Estimated Monthly Payment
$2,811
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 06854. Tell us what you're looking for.