Metro area index
Home appreciation in the New York-Jersey City-White Plains, NY-NJ metropolitan division
FHFA HPI® data shows the New York-Jersey City-White Plains, NY-NJ metropolitan division's all-transactions index changed +5.7% over the year to Q2 2026, versus +5.3% for New York and +3.0% for the U.S. That ranks 74th of 410 metro areas and divisions FHFA tracks.
- 1-year change
- +5.7%
- 5-year change
- +45.1%
- Since Q1 1995
- +354%
- Metro rank (1 year)
- 74th
U.S. +3.0%
U.S. +41.3%
U.S. +292%
of 410
New York-Jersey City-White Plains, NY-NJ vs New York and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- New York-Jersey City-White Plains, NY-NJ: 454.2
- New York: 433.4
- United States: 391.6
Appreciation by time window
| Window | Metro | NY | U.S. | Gap vs NY | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +5.7% | +5.3% | +3.0% | +0.4 pts | +2.7 pts |
| 3 years | +22.7% | +22.4% | +12.9% | +0.3 pts | +9.9 pts |
| 5 years | +45.1% | +49.9% | +41.3% | −4.8 pts | +3.8 pts |
| 10 years | +81.4% | +96.6% | +93.3% | −15.2 pts | −11.9 pts |
| Since Q1 1995 | +354% | +333% | +292% | +20.8 pts | +62.6 pts |
3-digit ZIP regions in the New York-Jersey City-White Plains, NY-NJ area
Regions with at least 10% of their 2010 population inside the metro division, largest overlap first. A 3-digit ZIP region can extend beyond the metro boundary.
| 3-digit ZIP region | State | 1 year | 5 years | Since Q1 1995 | Population in metro |
|---|---|---|---|---|---|
| 100 · New York, NY area | NY | +5.7% | +45.1% | +354% | 100% |
| 101 · New York, NY area | NY | +5.7% | +45.1% | +354% | 100% |
| 103 · New York, NY area | NY | +3.6% | +29.0% | +377% | 100% |
| 104 · New York, NY area | NY | +5.9% | +29.5% | +353% | 100% |
| 105 · Mount Vernon, NY area | NY | +7.3% | +45.1% | +283% | 100% |
| 106 · White Plains, NY area | NY | +5.7% | +45.1% | +354% | 100% |
| 107 · Yonkers, NY area | NY | +3.2% | +37.7% | +315% | 100% |
| 108 · New Rochelle, NY area | NY | +5.7% | +45.1% | +354% | 100% |
| 111 · New York, NY area | NY | +5.7% | +45.1% | +354% | 100% |
| 112 · New York, NY area | NY | +1.4% | +22.2% | +449% | 100% |
| 113 · New York, NY area | NY | +8.0% | +25.1% | +445% | 100% |
| 114 · New York, NY area | NY | +4.5% | +31.1% | +439% | 100% |
| 116 · New York, NY area | NY | +5.7% | +45.1% | +354% | 100% |
| 073 · Jersey City, NJ area | NJ | +5.7% | +45.1% | +354% | 100% |
| 075 · Paterson, NJ area | NJ | +5.7% | +45.1% | +354% | 100% |
| 076 · Hackensack, NJ area | NJ | +6.2% | +55.1% | +329% | 100% |
| 074 · Fair Lawn, NJ area | NJ | +5.4% | +53.6% | +279% | 77% |
| 109 · Spring Valley, NY area | NY | +2.8% | +53.6% | +302% | 58% |
| 070 · Clifton, NJ area | NJ | +6.4% | +53.0% | +348% | 44% |
Boom, bust, and recovery in New York-Jersey City-White Plains, NY-NJ area
New York-Jersey City-White Plains, NY-NJ area's index peaked in Q1 2007, fell 18.2% to its low in Q2 2012, and regained its peak in Q1 2018, about 11 years after the top. Today it sits +67.6% versus that 2000s peak. How every state and ZIP region fared
| Area | 2000s peak | Low point | Peak to low | Back to peak | Today vs peak |
|---|---|---|---|---|---|
| Metro | Q1 2007 | Q2 2012 | -18.2% | Q1 2018 (11 yrs) | +67.6% |
| NY | Q1 2007 | Q2 2012 | -14.0% | Q3 2017 (10.5 yrs) | +85.2% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, New York-Jersey City-White Plains, NY-NJ area's index has changed +105% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | Metro after inflation | NY after inflation | U.S. after inflation |
|---|---|---|---|---|
| 1 year | +3.9% | +1.8% | +1.4% | -0.8% |
| 3 years | +9.8% | +11.8% | +11.5% | +2.8% |
| 5 years | +24.0% | +16.9% | +20.8% | +13.9% |
| 10 years | +39.1% | +30.4% | +41.4% | +39.0% |
| Since Q1 1995 | +121% | +105% | +95.8% | +76.8% |
If you bought in the New York-Jersey City-White Plains, NY-NJ area in…
An example $300,000 purchase grown at the metro index rate to Q2 2026.
| Bought in | Index change | $300,000 then, at the metro rate |
|---|---|---|
| Q2 1995 | +347% | $1,342,080 |
| Q2 2000 | +240% | $1,019,897 |
| Q2 2005 | +88.1% | $564,291 |
| Q2 2010 | +96.8% | $590,329 |
| Q2 2015 | +89.3% | $567,889 |
| Q2 2020 | +56.3% | $468,770 |
| Q2 2021 | +45.1% | $435,172 |
| Q2 2023 | +22.7% | $368,128 |
| Q2 2025 | +5.7% | $317,166 |
Frequently asked questions
- How much have home prices risen in the New York-Jersey City-White Plains, NY-NJ area?
- FHFA HPI® data for the New York-Jersey City-White Plains, NY-NJ metropolitan division shows changes of +5.7% over one year, +45.1% over five years, and +81.4% over ten years to Q2 2026, and +354% since Q1 1995.
- Is the New York-Jersey City-White Plains, NY-NJ area beating the national average?
- Over the past year the metro's index moved +2.7 pts versus the U.S.; over five years the gap is +3.8 pts.
- What area does this metro index cover?
- FHFA computes metro indexes using the counties in each OMB-defined metropolitan division. The index covers the whole area, so individual neighborhoods and homes can differ from it.