ZIP 06515 vs ZIP 06401

06515 is one of 41 ZIP codes that lie mostly in New Haven County, CT.

Shaded by typical home value, it ranks 23 of the 39 nearby ZIPs shown.

7 school locations in 06515: 1 elementary, 5 middle, 1 high.

In alphabetical order: Barack H. Obama Magnet University School, Brennan Rogers School, Common Ground High School, Davis Academy for Arts & Design Innovation, and more on the ZIP page. Locations only — no ratings are shown here.

06401 is one of 41 ZIP codes that lie mostly in New Haven County, CT.

Shaded by typical home value, it ranks 24 of the 39 nearby ZIPs shown.

5 school locations in 06401: 2 elementary, 1 middle, 2 high.

In alphabetical order: Ansonia High School, Ansonia Middle School, Emmett O'Brien Technical High School, Mead School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 06515 was worth $108,384.

Values peaked at $386,150 in August 2026. The latest reading is the peak.

As of August 2026: $386,150, +5.0% over twelve months.

Start with the typical home: $386,150. Put 20% down and borrow $308,920 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,139 a month in principal and interest.

The median household here earns $74,044 a year, $6,170 a month. So the payment takes 34.7% 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 9.7% 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 $649.

In December 2020, with rates at 2.68%, it was $812.

By August 2026, at 6.67%, it was $1,987 — +145% since December 2020, while the home's value moved +54%.

Reported values rose +256% 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 $213,907. So the real change is +81%, not +256%.

06515: +256% since January 2000.

New Haven County: +180% since January 2000.

Connecticut: +174% since January 2000 — 06515 ran ahead of it by 83 points.

Owning the typical home costs about $2,525 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: 17.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 06401 was worth $135,696.

Values peaked at $385,555 in August 2026. The latest reading is the peak.

As of August 2026: $385,555, +3.6% over twelve months.

Start with the typical home: $385,555. Put 20% down and borrow $308,444 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,136 a month in principal and interest.

The median household here earns $80,953 a year, $6,746 a month. So the payment takes 31.7% 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 11.1% 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 $813.

In December 2020, with rates at 2.68%, it was $775.

By August 2026, at 6.67%, it was $1,984 — +156% since December 2020, while the home's value moved +61%.

Reported values rose +184% 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 $267,810. So the real change is +44%, not +184%.

06401: +184% since January 2000.

New Haven County: +180% since January 2000.

Connecticut: +174% since January 2000 — 06401 ran ahead of it by 10 points.

Owning the typical home costs about $2,521 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,922 a month.

Price divided by a year's rent: 16.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

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

The 2015–2019 level for the same month was 12 — so sales ran at 108% of it, and below it in 18 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 19 a month (Redfin, 3-month rolling data through August 2026). That is 62% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 36.

Going out — closed sales: about 18 a month.

The ladder: homes for sale ÷ monthly sales = 2.0 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 18 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 21 — so sales ran at 86% of it, and below it in 21 of the last 24 months.

County assessor records list 3,470 properties with a market value here. Their average assessed market value is $256,100; the typical home value is $386,150.

The assessor average sits −33.7% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

County assessor records list 5,298 properties with a market value here. Their average assessed market value is $272,300; the typical home value is $385,555.

The assessor average sits −29.4% from the market figure — an average against a typical value, so treat it as a check, not a verdict.