ZIP 06478 vs ZIP 06524

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.

06524 is one of 41 ZIP codes that lie mostly in New Haven County, CT.

Shaded by typical home value, it ranks 5 of the 39 nearby ZIPs shown.

2 school locations in 06524: 2 middle.

In alphabetical order: Amity Middle School: Bethany, Bethany Community School. Locations only — no ratings are shown here.

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.

In January 2012 the typical home in 06524 was worth $335,493.

Values peaked at $563,221 in September 2025. The latest reading is −0.2% from that peak.

As of August 2026: $562,317, −0.1% over twelve months.

Start with the typical home: $562,317. Put 20% down and borrow $449,854 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,115 a month in principal and interest.

The median household here earns $153,879 a year, $12,823 a month. So the payment takes 24.3% 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 14.5% 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 $1,268.

In December 2020, with rates at 2.68%, it was $1,161.

By August 2026, at 6.67%, it was $2,893 — +149% since December 2020, while the home's value moved +57%.

Reported values rose +68% 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 $492,002. So the real change is +14%, not +68%.

06524: +68% since January 2012.

New Haven County: +91% since January 2012.

Connecticut: +90% since January 2012 — 06524 ran behind it by 23 points.

Owning the typical home costs about $3,677 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,605 a month.

Price divided by a year's rent: 29.2. 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 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.

Homes sold: about 8 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 6 — so sales ran at 133% of it, and below it in 13 of the last 24 months.

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.

County assessor records list 1,954 properties with a market value here. Their average assessed market value is $417,750; the typical home value is $562,317.

The assessor average sits −25.7% from the market figure — an average against a typical value, so treat it as a check, not a verdict.