Median home value is about $576,200 — about 66% above the U.S. median home value ($348,079).
Housing tenure and rents show median gross rent around $1,509 (about 30% above the U.S. median rent ($1,163)), and owner-occupancy near 75.8% (about 10.4 points above the national owner-occupancy rate (65.4%)).
To comfortably buy a median-priced home in ZIP 06378 in Mystic, CT, a household would need roughly $159,000 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 $3,701. That is about 26% above the local median household income ($126,014), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.