Guide
Historical Home Values by ZIP Code: What You Can and Cannot Know
How to use historical ZIP3 index data without claiming property-level history.
Last updated 2026-09-30
Live data · FHFA HPI® through Q2 2026
Historical home values: national baseline and long-run leaders
Every ZIP region page has its own history back to the 1990s, rebased so Q1 1995 = 100.
U.S. home price index, Q1 1995 = 100
FHFA HPI® all-transactions index through Q2 2026
- United States: 391.6
| Bought in | U.S. index change | $300,000 then, at the U.S. rate |
|---|---|---|
| Q2 1995 | +285% | $1,155,613 |
| Q2 2000 | +208% | $924,293 |
| Q2 2005 | +109% | $627,739 |
| Q2 2010 | +123% | $668,941 |
| Q2 2015 | +103% | $609,508 |
| Q2 2020 | +58.9% | $476,556 |
| Q2 2021 | +41.3% | $423,868 |
| Q2 2023 | +12.9% | $338,576 |
| Q2 2025 | +3.0% | $309,094 |
Most appreciation 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% |
What you can know
You can review broad regional index movement, compare recent and long-run appreciation, and apply that movement to a starting value for a rough estimate.
You can also compare a ZIP3 trend with national or state-level context from the imported FHFA data.
What you cannot know from ZIP3 HPI alone
You cannot know the exact historical value of one house, one street, one subdivision, or one full ZIP5 from the ZIP3 index alone.
Individual property history requires deed records, assessment records, listing history, appraisals, or comparable-sale analysis.
How far back the data goes
FHFA's quarterly 3-digit ZIP index begins in the mid-1990s for nearly every region, with Q1 1995 set to 100. State and national series go back further, but this site compares all areas from Q1 1995 so that every line starts from the same point.
The compare tool lets you choose a different start quarter, such as the year you bought. Rebasing changes only where the lines start; the percentage change between any two quarters stays the same.
Estimating a past value
To estimate what a home worth a known amount today might have been worth in an earlier year, divide by the index growth between the two quarters. To estimate today's value from a purchase price, multiply by that growth. The calculator on each region page does this for you using the regional index.
Remember that a regional estimate assumes your home moved with the average for the whole region. Homes that were renovated, neglected, or in unusually popular or unpopular pockets can differ substantially.
Why history gets revised
FHFA re-estimates the full history each quarter as new sales and refinance appraisals arrive, and it labels the 3-digit ZIP series as developmental. This site re-imports the full files each release instead of appending the newest quarter, so past values on these pages can change slightly. The quarterly reports summarize how much each release revised earlier quarters.