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FHA loans in Norwalk, CT

Quick answer

The 2026 FHA loan limit in Norwalk, CT (Western Connecticut Planning Region) is $977,500 for a single-family home, enough for a purchase price up to about $1,012,000 with 3.5% down. On the $535,000 median home value, that down payment is about $18,725 and the estimated payment is $4,819/month at 7.18%, which needs roughly $207,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $105,301; value-to-income ratio 5.08. Norwalk ranks 3 by home value and 6 by population among 35 places in our CT dataset.

What does an FHA loan cost on a typical Norwalk home?

ItemNorwalk
Median home value (Census ACS)$535,000
Connecticut median home value$343,200
Down payment (3.5%)$18,725
Loan incl. 1.75% upfront MIP$525,310
Estimated monthly payment (PITI + MI)$4,819
Income needed (28% / 36%)$207,000 / $161,000
Western Connecticut Planning Region 2026 FHA limit (1 unit)$977,500
Max purchase price at the limit$1,012,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Connecticut's 1.92% effective property tax rate (Census ACS), $2,036/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Norwalk?

Norwalk is in Western Connecticut Planning Region, a designated high-cost area, where HUD's 2026 one-unit FHA limit is $977,500. With the minimum 3.5% down, that caps the purchase price at about $1,012,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $977,500).

The Norwalk median home value of $535,000 is 56% above the Connecticut median, and within what the county limit supports.

Which down payment assistance programs can Norwalk buyers use?

FHA loans in nearby cities

StamfordGreenwichBridgeportTrumbull CenterBethelMilford

FHA loan FAQs for Norwalk

Norwalk is in Western Connecticut Planning Region, where HUD's 2026 FHA limit for a one-unit home is $977,500. With 3.5% down, that supports a purchase price up to about $1,012,000.

3.5% of $535,000 is about $18,725 with a 580+ credit score (10%, or $53,500, with a 500–579 score), plus closing costs.

At the $535,000 median value (above the Connecticut median of $343,200), the estimated payment of $4,819/month at 7.18% needs about $207,000 a year under the 28% housing guideline, or $161,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 1 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.