CautiousUpdated MAY 20, 2026

Waterbury, CT

ZIP 06710·New Haven County·New Haven-Milford, CT·9,669 residents·Median income $42,774·Leaning Seller

06710 · Waterbury, CT has a HavenScore of 27 — cautious per HavenScore.

Compare
27
▲ +1 / 90d#40/40 in CTHavenScore
Rank

Ranked #13,123 of 13,130 nationally · #5,373 of 5,378 small market ZIPs

Switch perspective

Overall view active — Equal weight across affordability, growth, risk, momentum.

Sub-scores below recompute with these weights

Affordability
25/100
Growth
—/100
Risk
20/100
Momentum
20/100
Livability
62/100
Score · trailing 12 mo
26 → 27
+1 points
30-day
+6
90-day
+1
1-yr
+1

Snapshot

Numbers at a glance

Median price
$301,353
Typical home value
YoY change
+0.59%
12-mo trailing
Price-to-income
7.0×
healthy <4.0×
Est. monthly
$2,100
PITI · 20% · 6.51%
Active listings
6
current count
Days on market
10
median DOM
Vacancy
18.9%
Above-average
Owner-occupied
32%
of homes
Denial rate
26.0%
Above-average
Lending activity
14,287
originations
Walkability
13.9
Above-average

Composition

Pillars behind the score

Affordability

35% of score
25/100
Price-to-income
Healthy under 4×·ACS · ZHVI
🔒 Haven
Property tax rate
Annual, as % of value·Tax Foundation 2024
🔒 Haven
Median income
Household·Census ACS
🔒 Haven

Growth momentum

25% of score
—/100
12-month price change
Trailing year·Zillow ZHVI
🔒 Haven
12-month rent change
Trailing year·Zillow ZORI
🔒 Haven
Population
Estimated residents·Census ACS
🔒 Haven

Market risk

20% of score
20/100
Overvaluation
vs fundamentals·HavenScore composite
🔒 Haven
Active listings
Raw count — lower is tighter supply·Realtor.com
🔒 Haven
Price cuts
Share of listings·Realtor.com
🔒 Haven

Momentum

20% of score
20/100
Days on market
Median listing age·Realtor.com
🔒 Haven
Buyer / seller gauge
Market balance·HavenScore composite
🔒 Haven
Demand dial
Composite demand signal·HavenScore composite
🔒 Haven

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Signals

What's driving this score

Top 5 of 14 signals
Tailwinds3
  • Limited new supply
    Only 1.5 permits per 1,000 — supply constrained
  • Few price reductions
    Only 0% of listings cutting price
  • Fast-moving market
    10 days on market — selling quickly
Headwinds2
  • High price-to-income
    7.0× income — well above the national median
  • Potentially overvalued
    95% above historical price-to-income
Buyer / seller gauge

Market conditions

Leaning Seller

Conditions tightening in sellers' favor. Sign in to save this ZIP and track how the score moves.

+35
Strong buyerBalancedStrong seller
Trend
Heating toward seller

Pulse

What's changed in the last 90 days

🔒 Haven
Rising

Median price

+4.6%$301k
🔒 Haven
Falling

Inventory

−57.1%6

Change vs. prior 90 days · arrow shows direction, not whether it’s good or bad

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Metrics

The raw numbers

Median Home Value

$301,353

▲ +0.59% YoY
Median Rent

$1,490

▲ +0.07% YoY
Active Inventory

6

Days on Market

10 days

Price Cuts

0.00%

Price-to-Income

7.0×

Median Income

$42,774

Population

9,669

Overvaluation

+94.75%

Trend

Where it's been

Historical Trends

Updated May 2026

🔒 Haven
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Forecast

Where it's heading

The HavenScore Forecast Model (v1) projects this ZIP’s median value at 3-, 6-, and 12-month horizons, with 80% prediction intervals.

Price Forecast

12-month projection · 80% calibrated interval

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—————
Free · 3 mo  |  Haven · 12 mo →
3-month
🔒 Haven
6-month
🔒 Haven
12-month
🔒 Haven
12-month forecast + confidence intervals + AI-explained drivers unlock with Haven

Forecasts are the model’s projection, not a prediction. Actuals will differ.

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Payment

What you'd owe each month

Est. monthly payment
$2,100/ mo

20% down · 30-yr fixed · 6.51% · tax 1.79%

Principal$218
Interest$1,308
Property tax$450
Insurance$126
Rent vs buy
Median rent
$1,490
/ mo
Own (PITI)
$2,100
/ mo
Monthly gap
+$610owning costs more each month

Decide

Run the numbers

Cost of ownership over time

Cumulative housing cost, interest paid, and equity built · 10% down · ZIP median income $42,774

1-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven
5-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven
30-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven

Equity assumes flat home value; real appreciation could push it higher · Rate 6.51%

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Haven featurefrom $8/mo

The score has more to say about this ZIP.

A list-timing recommendation for sellers — buyer/seller gauge, recent signals, and a polished PDF. Switch to Seller view to generate it.

Report sections · Haven

Buyer / Seller gauge🔒 Haven
Market state callout🔒 Haven
Recent direction in seller-relevant signals🔒 Haven
Net proceeds estimator🔒 Haven
Methodology summary🔒 Haven
  • List-timing recommendation
  • Metro and ZIP context
  • Polished PDF layout
  • Refreshed monthly
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Pro featurefrom $25/mo

The score has more to say about this ZIP.

A four-page editorial PDF: market summary, full pillar breakdown, 5-year history with forecast, alternatives, and a 30-year cost-of-ownership table.

HavenScore Report06710Market AnalysisGENERATED FOR PRO MEMBERS78PILLAR BREAKDOWNHAVENSCORE.APP · PRO REPORT🔒 Pro
  • Branded PDF with all metrics
  • Includes forecast + scorecards
  • Suitable for client presentations
  • Unlimited exports
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Comparable ZIPs

Same shape, lower entry

ZIPs the score groups near 06710 on Affordability and Growth — sorted by lowest median value.

ZIP 06704
Waterbury
CT
37
$262,292+1.83%
ZIP 06705
Waterbury
CT
37
$265,196+3.28%
ZIP 06706
Waterbury
CT
31
$280,753+4.25%
ZIP 06513
New Haven
CT
35
$295,752+5.56%

Sources

Every number, traced

Every metric above is sourced from public datasets, normalized against the national ZIP distribution. Home values and rents refresh monthly; demographics refresh annually.

Zillow Research
Home values, rents, inventory, transactions
Realtor.com
Inventory, days on market, price-cut share
Redfin
Sale prices, transaction volume
US Census ACS
Income, population, vacancy, cost burden
Freddie Mac PMMS
Current 30-year fixed mortgage rates
FHFA HPI
Long-term price trends
HUD Small Area FMR
Per-ZIP fair market rents (rural fallback)
BEA & IRS
Personal income growth, net migration
Lending & accessibility
Lending and neighborhood-access signals

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