ZIP 06418 vs ZIP 06451

06418 is one of 41 ZIP codes that lie mostly in New Haven County, CT.

Shaded by typical home value, it ranks 30 of the 39 nearby ZIPs shown.

5 school locations in 06418: 3 elementary, 1 middle, 1 high.

In alphabetical order: Bradley School, Derby High School, Derby Middle School, Irving School, and more on the ZIP page. Locations only — no ratings are shown here.

06451 is one of 41 ZIP codes that lie mostly in New Haven County, CT.

Shaded by typical home value, it ranks 31 of the 39 nearby ZIPs shown.

In January 2012 the typical home in 06418 was worth $159,279.

Values peaked at $343,249 in August 2026. The latest reading is the peak.

As of August 2026: $343,249, +3.2% over twelve months.

Start with the typical home: $343,249. Put 20% down and borrow $274,599 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,901 a month in principal and interest.

The median household here earns $75,718 a year, $6,310 a month. So the payment takes 30.1% of income — rated “stretched” (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 14.0% in 2012.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2012 (3.92%) the payment was $602.

In December 2020, with rates at 2.68%, it was $690.

By August 2026, at 6.67%, it was $1,766 — +156% since December 2020, while the home's value moved +61%.

Reported values rose +116% since January 2012.

General prices (CPI-U) rose +47% over the same span.

Divide one by the other: in August 2026 dollars, the 2012 home was worth $233,583. So the real change is +47%, not +116%.

06418: +116% since January 2012.

New Haven County: +91% since January 2012.

Connecticut: +90% since January 2012 — 06418 ran ahead of it by 25 points.

Owning the typical home costs about $2,245 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,889 a month.

Price divided by a year's rent: 15.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 06451 was worth $110,833.

Values peaked at $336,758 in August 2026. The latest reading is the peak.

As of August 2026: $336,758, +5.0% over twelve months.

Start with the typical home: $336,758. Put 20% down and borrow $269,406 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,865 a month in principal and interest.

The median household here earns $68,081 a year, $5,673 a month. So the payment takes 32.9% of income — rated “stretched” (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 10.8% 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 $664.

In December 2020, with rates at 2.68%, it was $645.

By August 2026, at 6.67%, it was $1,733 — +169% since December 2020, while the home's value moved +69%.

Reported values rose +204% 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 $218,740. So the real change is +54%, not +204%.

06451: +204% since January 2000.

New Haven County: +180% since January 2000.

Connecticut: +174% since January 2000 — 06451 ran ahead of it by 30 points.

Owning the typical home costs about $2,202 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,997 a month.

Price divided by a year's rent: 14.1. 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 12 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 30.

Going out — closed sales: about 13 a month.

The ladder: homes for sale ÷ monthly sales = 2.3 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 sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 13 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 14 — so sales ran at 93% 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 28 a month (Redfin, 3-month rolling data through August 2026). That is 76% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 42.

Going out — closed sales: about 23 a month. That is 74% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 1.9 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 6 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 23 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 27 — so sales ran at 85% of it, and below it in 20 of the last 24 months.

County assessor records list 2,952 properties with a market value here. Their average assessed market value is $212,600; the typical home value is $343,249.

The assessor average sits −38.1% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

County assessor records list 6,229 properties with a market value here. Their average assessed market value is $201,400; the typical home value is $336,758.

The assessor average sits −40.2% from the market figure — an average against a typical value, so treat it as a check, not a verdict.