PlainZIP

Terryville, CT · standard

ZIP Code 06786

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

9,867
265/sq mi
$87,306
Median income
$265,300
Median home value
29.4%
Bachelor's or higher

The verdict

Terryville pairs an above-median household income with above-median home values, in a low-density, homeowner-dominated area.

Top 30%
household income, US ZIPs
Top 39%
home value, US ZIPs
265
people per sq mi
74%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 06786 against every reporting US ZIP.

ZIP code 06786 is a mid-sized community (a standard USPS delivery area) in Terryville, Litchfield County, Connecticut, home to 9,867 residents across 37.2 square miles, a density of 265 people per square mile, in the New York time zone.

ZIP 06786 lands in the middle-income range, with a median household income of $87,306 (23% below the Connecticut average), while per-capita income is $43,126. Local economic indicators show a 9.6% poverty rate alongside 4.1% unemployment. On housing, the median home value is $265,300 (39% below the state average) with median rent at $1,270 per month, and 74.2% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 29.4% of adults hold a bachelor's degree or higher, the median age is 42.2, and the average commute is 30 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 06786, plus 6 more within Litchfield County, give a clearer read than the national average 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 06786

Top 5 sectors by establishment count in Terryville, CT

Which industries have the most business establishments in ZIP 06786.

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 06786, Terryville, 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

9,867

Population

37.2

Area (sq mi)

265

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 06786?

42.2

Median Age

50.0%

Male

50.0%

Female

4.5%

Foreign-Born

White 89.4%
African American 0.9%
Asian 0.3%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.4%
Hispanic or Latino 9.1%

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?

$87,306

Median Household Income

-23% vs state

$43,126

Per Capita Income

9.6%

Poverty Rate

4.1%

Unemployment Rate

29.5 min

Mean Commute Time

How ZIP 06786 ranks nationally

Terryville, CT household income vs. every US ZIP code

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

$87,306 Top 30% higher than 70% 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%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $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 62.3%
Bachelor's Degree or Higher 29.4%

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

What does housing look like?

4,426

Total Housing Units

4,027

Occupied Units

399

Vacant Units

2.42

Avg Household Size

Occupancy Type

Owner 74.2%
Renter 25.8%

$265,300

Median Home Value

-39% vs state

$1,270

Median Rent

1966

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

+8.7%

YoY Change (2024)

214

HPI Index (2000 = 100)

+114%

Total Change Since 2000

Home values in ZIP 06786 have increased 8.7% over the past year (2024). Since 2000, this ZIP has seen +114% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.6% 135
2021 +15.8% 156
2022 +10.5% 172
2023 +14.3% 197
2024 +8.7% 214

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 153 business establishments in ZIP 06786, employing approximately 1,391 people with a combined annual payroll of $75,829,000.

153

Businesses

1,391

Employees

$75.8M

Annual Payroll

10

Industry Sectors

Industry Establishments % of Total
Construction 37 24.2%
Manufacturing 24 15.7%
Retail trade 17 11.1%
Accommodation and food services 15 9.8%
Administrative and support and waste management and remediation services 14 9.2%
Health care and social assistance 13 8.5%
Other services (except public administration) 11 7.2%
Wholesale trade 6 3.9%
Professional, scientific, and technical services 6 3.9%
Real estate and rental and leasing 5 3.3%

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 06786 vs 06782 →

ZIP 06786 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 06786 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 06786 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 06786 ranks #6 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
06782 Plymouth, CT 2,376 2.0 mi
06787 Thomaston, CT 7,975 3.7 mi
06010 Bristol, CT 60,448 3.9 mi
06704 Waterbury, CT 25,139 5.8 mi
06716 Wolcott, CT 16,680 5.2 mi
06791 Harwinton, CT 5,666 6.3 mi
06710 Waterbury, CT 10,715 7.1 mi
06778 Northfield, CT 1,378 5.6 mi
06779 Oakville, CT 8,324 6.2 mi
06705 Waterbury, CT 27,122 8.4 mi

More ZIP Codes in Litchfield County

06790 standard
Torrington, CT
Pop: 36,482
06776 standard
New Milford, CT
Pop: 26,889
06795 standard
Watertown, CT
Pop: 14,144
06098 standard
Winsted, CT
Pop: 12,426
06798 standard
Woodbury, CT
Pop: 9,984
06779 standard
Oakville, CT
Pop: 8,324

Related Areas

Litchfield County Terryville, CT Connecticut

Frequently Asked Questions

What county is ZIP code 06786 in? ▼
ZIP code 06786 (Terryville) is located in Litchfield County, Connecticut. Litchfield County contains multiple ZIP codes, see the full list at /counties/litchfield-ct.
What is the population of ZIP code 06786? ▼
ZIP code 06786 in Terryville, CT has a population of 9,867 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 06786? ▼
The median household income in ZIP 06786 is $87,306, which is 14% above the national average of $76,288.
What is the average home value in ZIP 06786? ▼
The median home value in ZIP 06786 is $265,300, which is 5% below the national average of $278,155.
What is the demographic makeup of ZIP 06786? ▼
The largest racial group in ZIP 06786 is White at 89.4%. Hispanic or Latino residents make up 9.1% of the population.
How many businesses are in ZIP code 06786? ▼
ZIP code 06786 has 153 business establishments employing approximately 1,391 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 06786? ▼
The top industries by establishment count in ZIP 06786 are: Construction (37), Manufacturing (24), Retail trade (17). There are 10 industry sectors represented in total.
How have home values changed in ZIP code 06786? ▼
According to the FHFA House Price Index, home values in ZIP 06786 increased by 8.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 114%. 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 06786? ▼
In ZIP code 06786, 62.3% of residents aged 25+ have a high school diploma or higher, and 29.4% 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 06786? ▼
The mean commute time for workers in ZIP code 06786 is 29.5 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 06786? ▼
In ZIP code 06786, approximately 74.2% of occupied housing units are owner-occupied and 25.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 06786? ▼
The poverty rate in ZIP code 06786 is 9.6% 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.