ZIP 06477 vs ZIP 06478

06477 is one of 41 ZIP codes that lie mostly in New Haven County, CT.

Shaded by typical home value, it ranks 3 of the 39 nearby ZIPs shown.

5 school locations in 06477: 1 elementary, 4 middle.

In alphabetical order: Amity Middle School: Orange, Mary L. Tracy School, Peck Place School, Turkey Hill School, and more on the ZIP page. Locations only — no ratings are shown here.

06478 is one of 41 ZIP codes that lie mostly in New Haven County, CT.

Shaded by typical home value, it ranks 4 of the 39 nearby ZIPs shown.

4 school locations in 06478: 2 elementary, 1 middle, 1 high.

In alphabetical order: Great Oak Elementary School, Oxford High School, Oxford Middle School, Quaker Farms School. Locations only — no ratings are shown here.

In January 2000 the typical home in 06477 was worth $246,990.

Values peaked at $634,411 in August 2026. The latest reading is the peak.

As of August 2026: $634,411, +0.9% over twelve months.

Start with the typical home: $634,411. Put 20% down and borrow $507,529 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,514 a month in principal and interest.

The median household here earns $145,625 a year, $12,135 a month. So the payment takes 29.0% 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 11.3% 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 $1,479.

In December 2020, with rates at 2.68%, it was $1,329.

By August 2026, at 6.67%, it was $3,264 — +146% since December 2020, while the home's value moved +55%.

Reported values rose +157% 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 $487,460. So the real change is +30%, not +157%.

06477: +157% since January 2000.

New Haven County: +180% since January 2000.

Connecticut: +174% since January 2000 — 06477 ran behind it by 17 points.

Owning the typical home costs about $4,148 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,738 a month.

Price divided by a year's rent: 19.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 06478 was worth $238,361.

Values peaked at $596,110 in August 2026. The latest reading is the peak.

As of August 2026: $596,110, +8.2% over twelve months.

Start with the typical home: $596,110. Put 20% down and borrow $476,888 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,302 a month in principal and interest.

The median household here earns $125,563 a year, $10,464 a month. So the payment takes 31.6% 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 12.6% 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 $1,427.

In December 2020, with rates at 2.68%, it was $1,172.

By August 2026, at 6.67%, it was $3,067 — +162% since December 2020, while the home's value moved +65%.

Reported values rose +150% 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 $470,430. So the real change is +27%, not +150%.

06478: +150% since January 2000.

New Haven County: +180% since January 2000.

Connecticut: +174% since January 2000 — 06478 ran behind it by 24 points.

Owning the typical home costs about $3,898 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,230 a month.

Price divided by a year's rent: 40.4. 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 18 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 32.

Going out — closed sales: about 12 a month.

The ladder: homes for sale ÷ monthly sales = 2.6 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 12 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 17 — so sales ran at 71% of it, and below it in 16 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 20 a month (Redfin, 3-month rolling data through August 2026).

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

Going out — closed sales: about 16 a month.

The ladder: homes for sale ÷ monthly sales = 2.6 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 3 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 16 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 19 — so sales ran at 84% of it, and below it in 18 of the last 24 months.

County assessor records list 5,046 properties with a market value here. Their average assessed market value is $472,900; the typical home value is $634,411.

The assessor average sits −25.5% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

County assessor records list 3,999 properties with a market value here. Their average assessed market value is $446,300; the typical home value is $596,110.

The assessor average sits −25.1% from the market figure — an average against a typical value, so treat it as a check, not a verdict.