06870 — Fairfield County, Connecticut Market Snapshot
Housing market data for zip code 06870 in Fairfield County, Connecticut. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$2,305,000
Days to Sell
11
Homes Sold
18
Inventory
20
Sale-to-List
106.5%
New Listings
48
Price/SqFt
$956
Pending Sales
30
Jumbo Loan Likely Needed
The median home in 06870 at $2,305,000 exceeds the 2026 conforming loan limit of $832,750 by $1,472,250. 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
06870 is an extremely competitive market with homes selling in just 11 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 06870 are selling 6.5% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 06870 at $2,305,000 exceeds the 2026 conforming loan limit of $832,750 by $1,472,250. 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 06870 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 06870
To purchase the median home at $2,305,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $17,810.
Monthly Payment
$17,810
Income Required
$763,293
Principal & Interest
$14,203/mo
Down Payment (5%)
$115,250
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 06870.
Estimated Monthly Payment
$14,415
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 06870.
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