06782 — Litchfield County, Connecticut Market Snapshot
Housing market data for zip code 06782 in Litchfield County, Connecticut. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$322,500
Days to Sell
74
Homes Sold
10
Inventory
7
Sale-to-List
103.8%
New Listings
11
Price/SqFt
$239
Pending Sales
9
Conforming Loan Available
Most homebuyers in 06782 can comfortably use conventional financing. The median home price of $322,500 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
With homes sitting for 74 days on average, 06782 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes in 06782 are selling 3.8% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 06782 can comfortably use conventional financing. The median home price of $322,500 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 06782 are set at the county level.
2026 Loan Limits — Litchfield 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 06782
To purchase the median home at $322,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,621.
Monthly Payment
$2,621
Income Required
$112,324
Principal & Interest
$1,987/mo
Down Payment (5%)
$16,125
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 06782.
Estimated Monthly Payment
$2,146
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