Guide
Is My ZIP Code Appreciating Faster Than the National Average?
Compare a ZIP3 region with the national FHFA HPI trend for the same broad period.
Last updated 2026-09-30
Live data · FHFA HPI® through Q2 2026
How many ZIP regions are beating the national average?
Look up your region to see its exact gap against its state and the U.S., or compare two regions side by side.
| Window | U.S. change | ZIP3 regions beating the U.S. |
|---|---|---|
| 1 year | +3.0% | 546 of 882 |
| 3 years | +12.9% | 592 of 882 |
| 5 years | +41.3% | 543 of 882 |
| 10 years | +93.3% | 402 of 882 |
| Since Q1 1995 | +292% | 335 of 879 |
Use the same window
Compare year-over-year with year-over-year, 5-year with 5-year, and 10-year with 10-year. Mixing windows can make a region look stronger or weaker than it is.
The ZIP3 page and national page both display standard metrics from the imported dataset.
What a faster region means
A faster region has outpaced the national index for that window, but it does not prove future outperformance.
Regional booms can cool, and slower markets can stabilize or recover. Use the comparison as context, not a forecast.
How to check
Open your region's page and look at the time-window table. The gap columns show, in percentage points, how far your region's change is above or below its state and the U.S. for each window. A positive gap means your region outpaced the benchmark.
To compare from your own purchase date, use the compare tool and choose that quarter as the start. Every line is rescaled to 100 at that quarter, so the ending values show cumulative growth since you bought.
Percentage points, not percent
If your region rose 6% and the nation rose 4%, your region beat the nation by 2 percentage points, not by 50%. The site reports gaps in percentage points to avoid that confusion.