06040 — Hartford County, Connecticut Market Snapshot
Housing market data for zip code 06040 in Hartford County, Connecticut. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$140,000
Days to Sell
20
Homes Sold
12
Inventory
4
Sale-to-List
100.3%
New Listings
17
Price/SqFt
$183
Pending Sales
20
Conforming Loan Available
Most homebuyers in 06040 can comfortably use conventional financing. The median home price of $140,000 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 06040 are moving quickly at 20 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 06040 (100.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 06040 can comfortably use conventional financing. The median home price of $140,000 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 06040 are set at the county level.
2026 Loan Limits — Hartford 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 06040
To purchase the median home at $140,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,223.
Monthly Payment
$1,223
Income Required
$52,399
Principal & Interest
$863/mo
Down Payment (5%)
$7,000
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 06040.
Estimated Monthly Payment
$1,016
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