06109 — Hartford County, Connecticut Market Snapshot
Housing market data for zip code 06109 in Hartford 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
$405,000
Days to Sell
13
Homes Sold
53
Inventory
38
Sale-to-List
105.4%
New Listings
99
Price/SqFt
$264
Pending Sales
87
Conforming Loan Available
Most homebuyers in 06109 can comfortably use conventional financing. The median home price of $405,000 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
06109 is an extremely competitive market with homes selling in just 13 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 06109 are selling 5.4% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 06109 can comfortably use conventional financing. The median home price of $405,000 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 06109 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 06109
To purchase the median home at $405,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,253.
Monthly Payment
$3,253
Income Required
$139,413
Principal & Interest
$2,495/mo
Down Payment (5%)
$20,250
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 06109.
Estimated Monthly Payment
$2,656
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