ZIP 06410 vs ZIP 06461

06410 is one of 41 ZIP codes that lie mostly in New Haven County, CT.

Shaded by typical home value, it ranks 8 of the 39 nearby ZIPs shown.

7 school locations in 06410: 1 elementary, 5 middle, 1 high.

In alphabetical order: Chapman School, Cheshire High School, Darcey School, Dodd Middle School, and more on the ZIP page. Locations only — no ratings are shown here.

06461 is one of 41 ZIP codes that lie mostly in New Haven County, CT.

Shaded by typical home value, it ranks 9 of the 39 nearby ZIPs shown.

1 school location in 06461: 1 high.

In alphabetical order: Platt Technical High School. Locations only — no ratings are shown here.

In January 2000 the typical home in 06410 was worth $207,148.

Values peaked at $542,934 in August 2026. The latest reading is the peak.

As of August 2026: $542,934, +4.5% over twelve months.

Start with the typical home: $542,934. Put 20% down and borrow $434,347 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,007 a month in principal and interest.

The median household here earns $150,524 a year, $12,544 a month. So the payment takes 24.0% of income — rated “affordable” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 9.1% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $1,240.

In December 2020, with rates at 2.68%, it was $1,106.

By August 2026, at 6.67%, it was $2,793 — +152% since December 2020, while the home's value moved +59%.

Reported values rose +162% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $408,828. So the real change is +33%, not +162%.

06410: +162% since January 2000.

New Haven County: +180% since January 2000.

Connecticut: +174% since January 2000 — 06410 ran behind it by 12 points.

Owning the typical home costs about $3,550 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,827 a month.

Price divided by a year's rent: 16.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 06461 was worth $188,811.

Values peaked at $506,241 in August 2026. The latest reading is the peak.

As of August 2026: $506,241, +3.7% over twelve months.

Start with the typical home: $506,241. Put 20% down and borrow $404,993 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,804 a month in principal and interest.

The median household here earns $124,129 a year, $10,344 a month. So the payment takes 27.1% of income — rated “affordable” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 10.1% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $1,131.

In December 2020, with rates at 2.68%, it was $1,061.

By August 2026, at 6.67%, it was $2,604 — +145% since December 2020, while the home's value moved +54%.

Reported values rose +168% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $372,638. So the real change is +36%, not +168%.

06461: +168% since January 2000.

New Haven County: +180% since January 2000.

Connecticut: +174% since January 2000 — 06461 ran behind it by 6 points.

Owning the typical home costs about $3,310 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,341 a month.

Price divided by a year's rent: 18.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 32 a month (Redfin, 3-month rolling data through August 2026). That is 68% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 48. That is 27% of the 2015–2019 level for the same months.

Going out — closed sales: about 40 a month. That is 79% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 1.2 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 8 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 40 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 39 — so sales ran at 103% of it, and below it in 17 of the last 24 months.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 27 a month (Redfin, 3-month rolling data through August 2026). That is 92% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 35.

Going out — closed sales: about 25 a month. That is 101% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 1.4 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 1 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 25 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 22 — so sales ran at 114% of it, and below it in 16 of the last 24 months.

County assessor records list 9,765 properties with a market value here. Their average assessed market value is $394,100; the typical home value is $542,934.

The assessor average sits −27.4% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

County assessor records list 4,656 properties with a market value here. Their average assessed market value is $369,575; the typical home value is $506,241.

The assessor average sits −27.0% from the market figure — an average against a typical value, so treat it as a check, not a verdict.