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 High-density area
- $87,306
- Median income Above-median income area
- $265,300
- Median home value Near-median home value
- 29.4%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 06786 (Terryville, CT) rose +8.7% from 2023 to 2024. The all-transactions index moved from 196.8 in 2023 to 213.9 in 2024 (2000 = 100).
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 average Connecticut ZIP), while per-capita income is $43,126. The poverty rate is 9.6%, with unemployment at 4.1%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $265,300 (39% below the average Connecticut ZIP), and median rent is $1,270; owner occupancy is 74.2%.
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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Litchfield County, so 06786 can be compared with both its immediate and county-level context.
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.
- Construction
Construction
37 establishments
- Manufacturing
Manufacturing
24 establishments
- Retail trade
Retail trade
17 establishments
- Accommodation and food services
Accommodation and food services
15 establishments
- Administrative and support and waste management and remediation services 14
Administrative and support and waste management and remediation services
14 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, 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
Who lives in ZIP 06786?
42.2
Median Age
50.0%
Male
50.0%
Female
4.5%
Foreign-Born
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 ZIP avg
$43,126
Per Capita Income
9.6%
Poverty Rate
4.1%
Unemployment Rate
29.5 min
Mean Commute Time
How ZIP 06786 ranks among Connecticut ZIPs
Terryville, CT household income vs. every Connecticut ZIP code
Median household income among 270 reporting Connecticut ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$87,306 24th percentile higher than 24% of 270 Connecticut ZIPs
Each bar is a $20K-wide band; taller bars hold more Connecticut 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
4,426housing units
4,426
Total Housing Units
4,027
Occupied Units
399
Vacant Units
2.42
Avg Household Size
Occupancy Type
$265,300
Median Home Value
-39% vs state ZIP avg
$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.
- 06010
Bristol (06010)
60,448 residents
- 06705
Waterbury (06705)
27,122 residents
- 06704
Waterbury (06704)
25,139 residents
- 06716 16,680
Wolcott (06716)
16,680 residents
- 06710 10,715
Waterbury (06710)
10,715 residents
- 06786 9,867
Terryville (06786)
9,867 residents
- 06779 8,324
Oakville (06779)
8,324 residents
- 06787 7,975
Thomaston (06787)
7,975 residents
- 06791 5,666
Harwinton (06791)
5,666 residents
What this shows Among its immediate neighbors, ZIP 06786 ranks #6 by population - useful context the national average alone can't give.
ZIP 06786 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 06791
Harwinton (06791)
$129,762 median income
- 06782
Plymouth (06782)
$124,708 median income
- 06716
Wolcott (06716)
$111,225 median income
- 06787
Thomaston (06787)
$103,102 median income
- 06779
Oakville (06779)
$95,798 median income
- 06786
Terryville (06786)
$87,306 median income
- 06778
Northfield (06778)
$81,375 median income
- 06010
Bristol (06010)
$79,314 median income
- 06705
Waterbury (06705)
$53,954 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 06786, both outside CT so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (9,867 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Litchfield County
Related Areas
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.
Related
Take this with you
What to do with ZIP 06786's numbers, next.
- See how ZIP 06786 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Terryville, CT ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.