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Mystic CDP, CT

ZIP 06378 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 06378

Median Home Value
$576,200
Median Rent
$1,509
Affordability Snapshot
$159,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,701/mo PITI).

14%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

31.8 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 06378 in Mystic CDP, CT, a household would need roughly $159,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,701. That is about 26% above the local median household income ($126,014), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.8%+16% vs US avg
x
Vacancy Rate
17.0%+65% vs US avg
x
Broadband Access
96.7%+11% vs US avg
x
4+ Bedrooms
5.9%-60% vs US avg
x
Built Pre-1939
4.5%-65% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
19.0%-62% vs US avg
x
Mortgage-Free
37.9%-1% vs US avg
x
$576,200
Home Value
$1,509
Rent
1971
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached74.3%
  • 1-unit attached3.8%
  • 2-9 units14.9%
  • 10+ units4.4%
  • Mobile home & other2.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$576,200
Median rent$1,509
Owner-occupied75.8%
Vacant17.0%
Price-to-income4.6x
Est. income to buy$159,000