PlainZIP

Chester, CT · standard

ZIP Code 06412

Middlesex County, Connecticut - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

3,994
96/sq mi
$109,191
Median income
$442,200
Median home value
47.9%
Bachelor's or higher

The verdict

Chester pairs an upper-quartile household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 14%
household income, US ZIPs
Top 17%
home value, US ZIPs
96
people per sq mi
73%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 06412 against every reporting US ZIP.

ZIP code 06412 covers 41.6 square miles in Chester, Middlesex County, Connecticut (a standard USPS delivery area), with a modest 3,994 residents on file, a density of 96 people per square mile, in the New York time zone.

ZIP 06412 lands in the middle-income range, with a median household income of $109,191 (3% below the Connecticut average), while per-capita income is $61,245. The poverty rate stands at 11.8% and the unemployment rate at 4.8%. Housing costs here run $442,200 for a typical home value (2% above the state average), with rent averaging $1,549 a month; 73.2% of homes are owner-occupied.

A solid share of residents have a four-year degree: 47.9% of adults hold a bachelor's degree or higher, the median age is 54, and the average commute is 28 minutes. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Middlesex County, letting you compare 06412 to its immediate surroundings rather than a national baseline alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 06412

Top 5 sectors by establishment count in Chester, CT

Which industries have the most business establishments in ZIP 06412.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 06412, Chester, CT · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

3,994

Population

41.6

Area (sq mi)

96

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 06412?

54.0

Median Age

54.6%

Male

45.4%

Female

5.9%

Foreign-Born

White 89.4%
African American 1.6%
Asian 0.4%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.7%
Hispanic or Latino 6.7%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$109,191

Median Household Income

-3% vs state

$61,245

Per Capita Income

11.8%

Poverty Rate

4.8%

Unemployment Rate

28.3 min

Mean Commute Time

How ZIP 06412 ranks nationally

Chester, CT household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$109,191 Top 14% higher than 86% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 66.5%
Bachelor's Degree or Higher 47.9%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

1,715

Total Housing Units

1,628

Occupied Units

87

Vacant Units

2.27

Avg Household Size

Occupancy Type

Owner 73.2%
Renter 26.8%

$442,200

Median Home Value

+2% vs state

$1,549

Median Rent

1969

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+0.7%

YoY Change (2024)

183

HPI Index (2000 = 100)

+83%

Total Change Since 2000

Home values in ZIP 06412 have increased 0.7% over the past year (2024). Since 2000, this ZIP has seen +83% cumulative appreciation.

Year Annual Change HPI Index
2020 -1.8% 133
2021 +11.9% 149
2022 +14.6% 171
2023 +6.1% 181
2024 +0.7% 183

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 115 business establishments in ZIP 06412, employing approximately 1,912 people with a combined annual payroll of $126,802,000.

115

Businesses

1,912

Employees

$126.8M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 20 17.4%
Accommodation and food services 15 13.0%
Retail trade 13 11.3%
Construction 10 8.7%
Manufacturing 9 7.8%
Administrative and support and waste management and remediation services 8 7.0%
Health care and social assistance 8 7.0%
Transportation and warehousing 7 6.1%
Other services (except public administration) 6 5.2%
Arts, entertainment, and recreation 4 3.5%
Wholesale trade 3 2.6%
Information 3 2.6%
Finance and insurance 3 2.6%
Educational services 3 2.6%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 06412 vs 06417 →

ZIP 06412 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 06412 ranks #6 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 06412 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 06412 ranks #5 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
06417 Deep River, CT 4,629 2.8 mi
06438 Haddam, CT 2,550 3.7 mi
06442 Ivoryton, CT 2,745 4.8 mi
06498 Westbrook, CT 6,963 6.9 mi
06409 Centerbrook, CT 693 5.0 mi
06419 Killingworth, CT 6,525 5.3 mi
06426 Essex, CT 3,245 5.7 mi
06469 Moodus, CT 3,209 7.3 mi
06441 Higganum, CT 5,438 6.4 mi
06413 Clinton, CT 13,235 7.8 mi

More ZIP Codes in Middlesex County

06457 standard
Middletown, CT
Pop: 47,648
06416 standard
Cromwell, CT
Pop: 14,005
06413 standard
Clinton, CT
Pop: 13,235
06424 standard
East Hampton, CT
Pop: 12,808
06475 standard
Old Saybrook, CT
Pop: 10,242
06480 standard
Portland, CT
Pop: 9,508

Related Areas

Middlesex County Chester, CT Connecticut

Frequently Asked Questions

What county is ZIP code 06412 in? ▼
ZIP code 06412 (Chester) is located in Middlesex County, Connecticut. Middlesex County contains multiple ZIP codes, see the full list at /counties/middlesex-ct.
What is the population of ZIP code 06412? ▼
ZIP code 06412 in Chester, CT has a population of 3,994 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 06412? ▼
The median household income in ZIP 06412 is $109,191, which is 43% above the national average of $76,288.
What is the average home value in ZIP 06412? ▼
The median home value in ZIP 06412 is $442,200, which is 59% above the national average of $278,155.
What is the demographic makeup of ZIP 06412? ▼
The largest racial group in ZIP 06412 is White at 89.4%. Hispanic or Latino residents make up 6.7% of the population.
How many businesses are in ZIP code 06412? ▼
ZIP code 06412 has 115 business establishments employing approximately 1,912 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 06412? ▼
The top industries by establishment count in ZIP 06412 are: Professional, scientific, and technical services (20), Accommodation and food services (15), Retail trade (13). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 06412? ▼
According to the FHFA House Price Index, home values in ZIP 06412 increased by 0.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 83%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 06412? ▼
In ZIP code 06412, 66.5% of residents aged 25+ have a high school diploma or higher, and 47.9% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 06412? ▼
The mean commute time for workers in ZIP code 06412 is 28.3 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 06412? ▼
In ZIP code 06412, approximately 73.2% of occupied housing units are owner-occupied and 26.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 06412? ▼
The poverty rate in ZIP code 06412 is 11.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.