CALCMONEY // MORTGAGE // CT // DARIEN // 06820
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 06820 in Darien, CT. This is a high-net-worth enclave — most purchases require jumbo financing.
$2,200,000
$1,760,000
$15,419
$660,824/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $2,200,000 | $1,980,000 | $12,974 | $16,861 | 6.85% |
| 20% Down | $2,200,000 | $1,760,000 | $11,533 | $15,419 | 6.85% |
| 25% Down | $2,200,000 | $1,650,000 | $10,812 | $14,698 | 6.85% |
Total monthly includes principal & interest, property tax (1.72% annual), and estimated homeowners insurance. PMI not included.
Darien (ZIP 06820) sits within Darien, Connecticut with a median home price of $2,200,000 — significantly above the Darien city-wide median of $2,200,000. At 80% LTV, the typical loan amount of $1,760,000 exceeds the 2026 conforming loan limit of $766,550, placing most purchases in jumbo territory. Jumbo loans typically require stronger credit scores, larger reserves, and may carry slightly different rate pricing.
Property taxes in ZIP 06820 run 1.72% annually, adding $3,153 per month on the median home. Median household income in this neighborhood is approximately $205,000, placing the price-to-income ratio at 10.7x. Connecticut levies a state income tax, which reduces take-home pay and should be factored into your maximum monthly payment calculation.