Compare Litchfield, CT mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Litchfield.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Litchfield. Plus, shopping lenders is free and there is no obligation.
August 28, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in Litchfield. Understand how much you need to earn to afford a home in Litchfield, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Litchfield fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Litchfield is right for you.
The median home value for Litchfield, CT is $334,612
Based on current mortgage rates and a 10% down payment, you need to make $69,805 per year to buy the median priced home in Litchfield
With this income, you could qualify for a $301,150 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Litchfield is $1,617
The median household income for Litchfield, CT is $86,219
Based on this income, you can afford a home valued at approximately $413,289
The home price you can afford to buy based on household income in Litchfield is 124% of the median home value which means housing prices are average. Litchfield ranks 5 out of 8 counties in Connecticut and 2,454 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Litchfield, CT is average
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Litchfield below.
Conforming loan limits for Litchfield, CT
FHA loan limits for Litchfield, CT