Jumbo Loan Calculator — Connecticut
Connecticut's conforming limit is $832,750 in most counties and reaches $977,500 in Greater Bridgeport Planning Region and 2 other high-cost counties. This $1,180,000 example loan is $202,500 above the highest limit, so it is jumbo everywhere in the state.
Connecticut has the 4th-highest effective property tax rate of the 50 states at 1.54% — $9,293 more a year than the 0.91% state average on a $1,475,000 home. Homeowners insurance averages $1,905 a year, the 18th-lowest premium nationally and $815 less than the typical state.
Loan Parameters
Total Monthly Payment
$9,926
Principal & Interest + Taxes + Insurance
APR 7.030%
Total Interest
$1,654,767
Total Cost
$3,573,368
Advanced Parameters
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
N/A
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | PMI | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $94,492 | $11,917 | $82,575 | — | $1,168,083 | $306,917 |
| Year 2 | $94,492 | $12,783 | $81,710 | — | $1,155,300 | $319,700 |
| Year 3 | $94,492 | $13,711 | $80,781 | — | $1,141,589 | $333,411 |
| Year 4 | $94,492 | $14,707 | $79,786 | — | $1,126,882 | $348,118 |
| Year 5 | $94,492 | $15,774 | $78,718 | — | $1,111,108 | $363,892 |
| Year 6 | $94,492 | $16,920 | $77,573 | — | $1,094,188 | $380,812 |
| Year 7 | $94,492 | $18,148 | $76,344 | — | $1,076,040 | $398,960 |
| Year 8 | $94,492 | $19,466 | $75,026 | — | $1,056,574 | $418,426 |
| Year 9 | $94,492 | $20,879 | $73,613 | — | $1,035,695 | $439,305 |
| Year 10 | $94,492 | $22,395 | $72,097 | — | $1,013,299 | $461,701 |
| Year 11 | $94,492 | $24,022 | $70,471 | — | $989,278 | $485,722 |
| Year 12 | $94,492 | $25,766 | $68,727 | — | $963,512 | $511,488 |
| Year 13 | $94,492 | $27,637 | $66,856 | — | $935,875 | $539,125 |
| Year 14 | $94,492 | $29,643 | $64,849 | — | $906,232 | $568,768 |
| Year 15 | $94,492 | $31,796 | $62,697 | — | $874,436 | $600,564 |
| Year 16 | $94,492 | $34,104 | $60,388 | — | $840,332 | $634,668 |
| Year 17 | $94,492 | $36,581 | $57,912 | — | $803,751 | $671,249 |
| Year 18 | $94,492 | $39,237 | $55,255 | — | $764,514 | $710,486 |
| Year 19 | $94,492 | $42,086 | $52,406 | — | $722,428 | $752,572 |
| Year 20 | $94,492 | $45,142 | $49,351 | — | $677,286 | $797,714 |
| Year 21 | $94,492 | $48,419 | $46,073 | — | $628,867 | $846,133 |
| Year 22 | $94,492 | $51,935 | $42,557 | — | $576,932 | $898,068 |
| Year 23 | $94,492 | $55,706 | $38,786 | — | $521,226 | $953,774 |
| Year 24 | $94,492 | $59,751 | $34,741 | — | $461,475 | $1,013,525 |
| Year 25 | $94,492 | $64,090 | $30,403 | — | $397,385 | $1,077,615 |
| Year 26 | $94,492 | $68,743 | $25,749 | — | $328,642 | $1,146,358 |
| Year 27 | $94,492 | $73,735 | $20,758 | — | $254,907 | $1,220,093 |
| Year 28 | $94,492 | $79,088 | $15,404 | — | $175,819 | $1,299,181 |
| Year 29 | $94,492 | $84,831 | $9,661 | — | $90,988 | $1,384,012 |
| Year 30 | $94,490 | $90,988 | $3,502 | — | $0 | $1,475,000 |
Jumbo Loan numbers for Connecticut
- Example jumbo home price
- $1,475,000
- 20% down ($295,000)
- Loan amount
- $1,180,000
- a jumbo loan in every Connecticut county
- Estimated monthly payment
- $9,926
- APR 7.030%
- Connecticut property tax
- 1.54%
- $1,893/mo
- Homeowners insurance
- $1,905/yr
- $159/mo
- Highest Connecticut conforming limit
- $977,500
- Loan exceeds it by $202,500
- Jumbo threshold in most counties
- $832,750
- 6 of 9 counties
How much house can you afford in Connecticut with a jumbo loan?
Highest price where principal, interest, Connecticut property tax and insurance (no PMI at 20% down) stay within 28% of gross income —20% down, 30-year fixed at 7.03%. Other debts lower these numbers.
| Household income | Housing budget / mo | Max home price | Down payment | vs typical home |
|---|---|---|---|---|
| $200,000 | $4,667 | $680,000 | $136,000 | 151% |
| $250,000 | $5,833 | $856,000 | $171,200 | 190% |
| $300,000 | $7,000 | $1,033,000 | $206,600 | 229% |
| $400,000 | $9,333 | $1,385,000 | $277,000 | 307% |
| $500,000 | $11,667 | $1,737,000 | $347,400 | 385% |
| $600,000 | $14,000 | $2,090,000 | $418,000 | 464% |
| $750,000 | $17,500 | $2,618,000 | $523,600 | 581% |
Jumbo vs other loan types in Connecticut
$1,475,000 home, each program's typical minimum or default down payment, current average 30-year rate.
| Loan type | Down | Loan amount | Upfront fee | Monthly MI | Total / month | APR |
|---|---|---|---|---|---|---|
| ConventionalAbove conforming limit ($977,500) | 10% · $147,500 | $1,327,500 | — | $797 PMI | $11,707 | 7.488% |
| FHAAbove FHA limit ($977,500) | 3.5% · $51,625 | $1,448,284 | UFMIP $24,909 | $901 MIP | $12,617 | 7.964% |
| VA | 0% · $0 | $1,506,713 | Funding fee $31,713 | $0 | $12,106 | 7.242% |
| Jumbo | 20% · $295,000 | $1,180,000 | — | $0 | $9,926 | 7.030% |
Connecticut high-cost counties (2026)
3 counties have a one-unit conforming limit above the $832,750 baseline. Loans up to these amounts are conforming, not jumbo.
- Greater Bridgeport Planning Region$977,500
- Western Connecticut Planning Region$977,500
- Naugatuck Valley Planning Region$851,000
Frequently asked questions
What is the monthly payment on a $1,475,000 home with a jumbo loan in Connecticut?
Estimated $9,926 per month ($7,874 principal & interest, $1,893 property tax, $159 insurance) at 7.03% for 30 years, with 20% down. APR 7.030%.
When is a loan jumbo in Connecticut?
When a one-unit loan exceeds $832,750, or the higher limit in 3 high-cost counties (up to $977,500).
Explore related calculators
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Jumbo Loan calculator in nearby states
Data sources & assumptions
- Freddie Mac Primary Mortgage Market Survey (PMMS) — Weekly average as of September 24, 2026
- FHFA 2026 Conforming Loan Limit Values (one-unit) — 2026 one-unit limits, 56 states & territories
- Effective statewide property tax rate (Tax Foundation, 2026 projections) — Statewide effective rate; county rates vary
- Average annual homeowners premium, $300K dwelling / $1K deductible (industry survey averages) — Statewide average premium
- CFPB — Understand the different kinds of loans available
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.