ZIP Code 06786 — Terryville CDP, CT Demographics & Data

ZIP code 06786 covers Terryville, CT in Litchfield County with a population of about 9,617.

At a glance, the area shows median age of 43.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 860, 959; U.S. House district CT-5; the HARTFORD & NEW HAVEN media market.

Median household income in ZIP 06786 is about $99,855 — about 33% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.4%; unemployment rate near 4.2%; 27.6% of adults with a bachelor’s degree or higher (about 6.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Education; about 13.9% of workers reporting work-from-home (about 1.3 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $237,200 — about 32% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $955 (about 18% below the U.S. median rent ($1,163)), and owner-occupancy near 76.8% (about 11.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 06786 in Terryville, CT, a household would need roughly $65,000 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 $1,524. That sits below the local median household income ($99,855), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Climate normals for Terryville CDP, CT show little to no average snow and around 53.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 531 for ZIP 06786 (Terryville CDP, CT) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.