Guide
Best ZIP Codes for Home Appreciation
How to read ZIP3 appreciation rankings without overstating what they prove.
Last updated 2026-09-30
Live data · FHFA HPI® through Q2 2026
Best long-run appreciation by 3-digit ZIP region
Longer windows smooth out one-year swings. These tables rank regions over five years, ten years, and since Q1 1995.
Top 15 over 5 years
| # | 3-digit ZIP region | State | 5 years | 1 year |
|---|---|---|---|---|
| 1 | 497 · Sault Ste. Marie, MI area | MI | +70.5% | +6.2% |
| 2 | 545 · Rhinelander, WI area | WI | +70.4% | +5.5% |
| 3 | 082 · Pleasantville, NJ area | NJ | +70.2% | +6.6% |
| 4 | 611 · Rockford, IL area | IL | +70.1% | +10.0% |
| 5 | 084 · Atlantic City, NJ area | NJ | +68.9% | +6.2% |
| 6 | 081 · Camden, NJ area | NJ | +68.7% | +7.6% |
| 7 | 542 · Manitowoc, WI area | WI | +68.4% | +5.4% |
| 8 | 331 · Miami, FL area | FL | +67.4% | +1.8% |
| 9 | 498 · Marquette, MI area | MI | +66.2% | +6.8% |
| 10 | 056 · Barre, VT area | VT | +65.9% | +7.9% |
| 11 | 086 · Trenton, NJ area | NJ | +65.2% | +4.6% |
| 12 | 083 · Vineland, NJ area | NJ | +64.5% | +8.0% |
| 13 | 132 · Syracuse, NY area | NY | +64.2% | +5.8% |
| 14 | 378 · Oak Ridge, TN area | TN | +64.1% | +3.7% |
| 15 | 087 · Point Pleasant, NJ area | NJ | +64.1% | +5.0% |
Top 15 over 10 years
| # | 3-digit ZIP region | State | 10 years | 5 years |
|---|---|---|---|---|
| 1 | 836 · Nampa, ID area | ID | +175% | +31.2% |
| 2 | 838 · Coeur d'Alene, ID area | ID | +154% | +37.2% |
| 3 | 832 · Pocatello, ID area | ID | +151% | +43.5% |
| 4 | 837 · Boise City, ID area | ID | +148% | +22.9% |
| 5 | 834 · Idaho Falls, ID area | ID | +147% | +36.0% |
| 6 | 597 · Bozeman, MT area | MT | +146% | +53.9% |
| 7 | 599 · Kalispell, MT area | MT | +145% | +50.5% |
| 8 | 378 · Oak Ridge, TN area | TN | +144% | +64.1% |
| 9 | 346 · Dunedin, FL area | FL | +144% | +45.6% |
| 10 | 384 · Columbia, TN area | TN | +144% | +55.3% |
| 11 | 344 · Ocala, FL area | FL | +142% | +51.8% |
| 12 | 379 · Knoxville, TN area | TN | +139% | +61.5% |
| 13 | 497 · Sault Ste. Marie, MI area | MI | +139% | +70.5% |
| 14 | 331 · Miami, FL area | FL | +138% | +67.4% |
| 15 | 495 · Grand Rapids, MI area | MI | +137% | +48.4% |
Top 15 since Q1 1995
| # | 3-digit ZIP region | State | Since Q1 1995 | 10 years |
|---|---|---|---|---|
| 1 | 916 · Los Angeles, CA area | CA | +609% | +92.7% |
| 2 | 915 · Burbank, CA area | CA | +569% | +85.2% |
| 3 | 331 · Miami, FL area | FL | +567% | +138% |
| 4 | 914 · Los Angeles, CA area | CA | +556% | +81.5% |
| 5 | 900 · Los Angeles, CA area | CA | +546% | +78.6% |
| 6 | 911 · Pasadena, CA area | CA | +542% | +76.5% |
| 7 | 921 · San Diego, CA area | CA | +533% | +97.9% |
| 8 | 294 · Charleston, SC area | SC | +523% | +128% |
| 9 | 927 · Santa Ana, CA area | CA | +521% | +99.7% |
| 10 | 119 · Shirley, NY area | NY | +519% | +109% |
| 11 | 337 · St. Petersburg, FL area | FL | +517% | +134% |
| 12 | 597 · Bozeman, MT area | MT | +517% | +146% |
| 13 | 372 · Nashville-Davidson, TN area | TN | +515% | +110% |
| 14 | 336 · Tampa, FL area | FL | +508% | +136% |
| 15 | 288 · Asheville, NC area | NC | +504% | +101% |
What best means here
On this site, best should mean strongest imported index growth for a selected window, such as year-over-year or 5-year growth.
It does not mean best place to buy, safest market, highest future return, or best neighborhood for every household.
Use rankings with context
A fast-appreciating region may also have affordability pressure, volatility, or supply constraints.
Open the ZIP3 page behind a ranking before drawing conclusions from one number.
Best over what period?
There is no single best ZIP code for appreciation; the answer depends on the time window. Five-year results reflect the most recent cycle, ten-year results include more than one market phase, and growth since 1995 shows the longest record available at the 3-digit ZIP level.
Past appreciation does not predict future appreciation. Regions with very strong recent growth can cool, and regions that lagged can catch up. Use these tables to understand history, not to forecast.