CT mortgage rates

Fairfield County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Fairfield County, Connecticut. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2025 limits

2025 Mortgage Loan Limits

Fairfield County

Conforming Loan Limits

Per property
1 unit$851,000
2 units$1,089,450
3 units$1,316,900
4 units$1,636,550

FHA Loan Limits

Per property
1 unit$851,000
2 units$1,089,450
3 units$1,316,900
4 units$1,636,550

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Fairfield County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Fairfield

A local view of the market.

Fairfield County, CT, has a highly competitive real estate market, with median home values around $750,000 in 2024. Known for its proximity to New York City and coastal communities, it attracts both families and professionals looking for suburban living with city access. Key cities include Bridgeport, the largest city with around 148,000 residents; Stamford, with about 135,000 residents, offering urban amenities; Norwalk, home to 91,000 residents, and Greenwich, known for its affluence, with around 63,000 residents. Fairfield County offers a suburban-urban mix with an economy based on finance, education, healthcare, and retail. Its access to beaches, parks, and highly-rated schools attracts families and professionals seeking a blend of suburban life and city convenience.

County snapshot

Market context.

CT

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaBridgeport-Stamford-NorwalkMapped market area
Area code14860CBSA / MSA reference
Featured communitiesStamford · Bridgeport · SheltonFrom the county record
Data year2025Aligned with this limit record
StamfordBridgeportShelton
Top cities & communities

Communities to explore.

StamfordBridgeportSheltonNorwalkDanbury
Questions & Answers

Refinancing in Fairfield County

Common questions about 2026 loan limits and refinancing opportunities in Connecticut.

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