Guide
Home Appreciation by ZIP Code
Look up broad home appreciation trends by 3-digit ZIP region.
Last updated 2026-09-30
Live data · FHFA HPI® through Q2 2026
Home appreciation by ZIP code: the latest numbers
- U.S. 1-year change
- +3.0%
- U.S. 5-year change
- +41.3%
- ZIP3 regions rising
- 818
- U.S. since Q1 1995
- +292%
Q2 2026
All-transactions index
of 882 over 1 year
Regional index growth
Fastest 3-digit ZIP regions over 1 year
| # | 3-digit ZIP region | State | 1 year | 5 years |
|---|---|---|---|---|
| 1 | 624 · Effingham, IL area | IL | +13.4% | +48.0% |
| 2 | 423 · Owensboro, KY area | KY | +13.1% | +50.8% |
| 3 | 602 · Evanston, IL area | IL | +11.4% | +45.3% |
| 4 | 250 · Dunbar, WV area | WV | +10.5% | +40.1% |
| 5 | 251 · St. Albans, WV area | WV | +10.5% | +40.1% |
| 6 | 735 · Lawton, OK area | OK | +10.2% | +43.4% |
| 7 | 316 · Valdosta, GA area | GA | +10.0% | +56.7% |
| 8 | 258 · Beckley, WV area | WV | +10.0% | +52.8% |
| 9 | 259 · Oak Hill, WV area | WV | +10.0% | +52.8% |
| 10 | 611 · Rockford, IL area | IL | +10.0% | +70.1% |
Every state
| # | State | 1 year | 5 years | Fastest ZIPs |
|---|---|---|---|---|
| 1 | Hawaii | +8.7% | +41.4% | View |
| 2 | West Virginia | +8.0% | +43.5% | View |
| 3 | Illinois | +6.0% | +46.9% | View |
| 4 | Connecticut | +5.7% | +56.1% | View |
| 5 | Wisconsin | +5.6% | +54.0% | View |
| 6 | New Jersey | +5.5% | +58.3% | View |
| 7 | New York | +5.3% | +49.9% | View |
| 8 | Rhode Island | +5.0% | +55.6% | View |
| 9 | Kentucky | +4.7% | +45.9% | View |
| 10 | North Dakota | +4.7% | +35.5% | View |
| 11 | Pennsylvania | +4.7% | +44.2% | View |
| 12 | Michigan | +4.6% | +45.6% | View |
| 13 | Indiana | +4.6% | +46.7% | View |
| 14 | Vermont | +4.3% | +57.7% | View |
| 15 | Ohio | +4.3% | +48.1% | View |
| 16 | Delaware | +4.0% | +43.8% | View |
| 17 | New Hampshire | +4.0% | +54.9% | View |
| 18 | Alaska | +3.9% | +37.0% | View |
| 19 | South Carolina | +3.8% | +54.9% | View |
| 20 | Kansas | +3.8% | +42.6% | View |
| 21 | Virginia | +3.8% | +44.1% | View |
| 22 | Alabama | +3.7% | +43.8% | View |
| 23 | Mississippi | +3.7% | +39.7% | View |
| 24 | Wyoming | +3.7% | +41.6% | View |
| 25 | Missouri | +3.6% | +44.2% | View |
| 26 | Maine | +3.2% | +56.4% | View |
| 27 | Iowa | +3.2% | +37.4% | View |
| 28 | Nebraska | +3.2% | +41.1% | View |
| 29 | Massachusetts | +3.2% | +41.9% | View |
| 30 | Arkansas | +3.1% | +45.4% | View |
| 31 | Minnesota | +3.0% | +31.2% | View |
| 32 | Idaho | +3.0% | +34.1% | View |
| 33 | Louisiana | +2.9% | +20.9% | View |
| 34 | Oklahoma | +2.8% | +39.9% | View |
| 35 | Montana | +2.7% | +47.5% | View |
| 36 | Tennessee | +2.6% | +50.0% | View |
| 37 | Utah | +2.6% | +34.3% | View |
| 38 | Nevada | +2.5% | +35.4% | View |
| 39 | North Carolina | +2.4% | +51.4% | View |
| 40 | Maryland | +2.2% | +32.0% | View |
| 41 | South Dakota | +2.2% | +41.1% | View |
| 42 | New Mexico | +2.1% | +42.6% | View |
| 43 | Georgia | +1.9% | +47.6% | View |
| 44 | Oregon | +1.6% | +23.8% | View |
| 45 | Texas | +1.6% | +34.4% | View |
| 46 | Florida | +1.4% | +46.0% | View |
| 47 | Washington | +1.1% | +29.7% | View |
| 48 | Arizona | +0.9% | +36.3% | View |
| 49 | California | +0.9% | +28.1% | View |
| 50 | Colorado | +0.2% | +25.0% | View |
| 51 | District of Columbia | -0.6% | +4.2% | View |
What the ZIP pages show
Each ZIP3 page displays the latest imported FHFA regional index, recent change, multi-year change, a chart, and a source note.
Use the first three digits of a ZIP code to find the matching regional page.
Best use case
The pages are strongest for historical trend context, screening equity changes, and comparing one broad region with the national trend.
They should not be used as an appraisal or a replacement for current local comps.
How to find your region
Take the first three digits of any ZIP code. ZIP codes 22901, 22903, and 22911 all start with 229, so they share the 229 regional page. Enter a full five-digit ZIP in the search box and the site opens the matching three-digit region automatically.
Each region page names the largest community and the main counties in the region so you can confirm it is the area you expect. Those labels come from U.S. Census Bureau geography files, not from FHFA, and a single region often covers a city plus its surrounding towns and rural areas.
Reading the comparison chart
Region pages chart the ZIP region, its state, and the United States on one scale where Q1 1995 equals 100. A line ending at 300 means the index roughly tripled since 1995. Because every line starts at the same point, the gap between lines at the right edge shows which area grew more over the full period.
Short windows and long windows can tell different stories. A region can lag the nation over the past year while still leading over ten years, so read the 1, 3, 5, and 10-year rows together before drawing a conclusion.
Index types matter
FHFA estimates a separate index for most 3-digit ZIP regions. Where sales are too thin, it reports the region with its state's non-metro (Balance of State) or metro index instead. Those regions share identical values with others, which is why some rankings show ties. Region pages flag this whenever it applies.
Using the numbers responsibly
Regional appreciation is a useful starting point for questions like how much equity you may have built, whether to revisit your insurance coverage, or how your area compares before a move. It cannot account for your home's condition, renovations, lot, or micro-location. For a decision that depends on one property's value, pair the regional trend with recent nearby sales or a professional appraisal.