State ranking · Q2 2026
Fastest-appreciating ZIP codes in Michigan
Over the year to Q2 2026, the fastest-appreciating of Michigan's 20 3-digit ZIP regions was ZIP3 492 (Jackson, MI area) at +7.3%, based on FHFA HPI® data. 10 of 20 regions outpaced the statewide change of +4.6%; the U.S. changed +3.0%.
1 of 20 regions in Michiganuse a FHFA "Balance of State" or metro index instead of a separately estimated 3-digit ZIP index, so some regions share identical values and rankings can tie.
Ranked by 1-year change
| # | 3-digit ZIP region | 1 year | 3 years | 5 years |
|---|---|---|---|---|
| 1 | 492 · Jackson, MI area | +7.3% | +21.7% | +47.4% |
| 2 | 491 · Niles, MI area | +7.3% | +19.6% | +51.6% |
| 3 | 498 · Marquette, MI area | +6.8% | +26.4% | +66.2% |
| 4 | 497 · Sault Ste. Marie, MI area | +6.2% | +26.7% | +70.5% |
| 5 | 486 · Saginaw, MI area | +5.6% | +21.6% | +55.0% |
| 6 | 499 · Houghton, MI area | +5.6% | +22.4% | +57.9% |
| 7 | 493 · Big Rapids, MI area | +5.3% | +18.3% | +51.1% |
| 8 | 482 · Detroit, MI area | +5.0% | +17.7% | +38.7% |
| 9 | 496 · Traverse City, MI area | +5.0% | +21.1% | +61.7% |
| 10 | 488 · East Lansing, MI area | +4.9% | +17.5% | +44.0% |
| 11 | 483 · Sterling Heights, MI area | +4.6% | +17.0% | +40.0% |
| 12 | 480 · Warren, MI area | +4.5% | +16.1% | +39.3% |
| 13 | 494 · Muskegon, MI area | +4.4% | +18.5% | +54.5% |
| 14 | 484 · Fenton, MI area | +4.2% | +16.8% | +42.0% |
| 15 | 487 · Bay City, MI area | +3.9% | +22.0% | +55.2% |
| 16 | 481 · Ann Arbor, MI area | +3.7% | +17.3% | +41.8% |
| 17 | 495 · Grand Rapids, MI area | +3.6% | +14.7% | +48.4% |
| 18 | 485 · Flint, MI area | +3.1% | +16.9% | +40.9% |
| 19 | 490 · Kalamazoo, MI area | +2.8% | +16.3% | +45.8% |
| 20 | 489 · Lansing, MI area | -2.3% | +11.0% | +33.6% |
Top 10 by 5-year change
| # | 3-digit ZIP region | 5 years | 1 year |
|---|---|---|---|
| 1 | 497 · Sault Ste. Marie, MI area | +70.5% | +6.2% |
| 2 | 498 · Marquette, MI area | +66.2% | +6.8% |
| 3 | 496 · Traverse City, MI area | +61.7% | +5.0% |
| 4 | 499 · Houghton, MI area | +57.9% | +5.6% |
| 5 | 487 · Bay City, MI area | +55.2% | +3.9% |
| 6 | 486 · Saginaw, MI area | +55.0% | +5.6% |
| 7 | 494 · Muskegon, MI area | +54.5% | +4.4% |
| 8 | 491 · Niles, MI area | +51.6% | +7.3% |
| 9 | 493 · Big Rapids, MI area | +51.1% | +5.3% |
| 10 | 495 · Grand Rapids, MI area | +48.4% | +3.6% |
Top 10 by 10-year change
| # | 3-digit ZIP region | 10 years | 1 year |
|---|---|---|---|
| 1 | 497 · Sault Ste. Marie, MI area | +139% | +6.2% |
| 2 | 495 · Grand Rapids, MI area | +137% | +3.6% |
| 3 | 496 · Traverse City, MI area | +134% | +5.0% |
| 4 | 494 · Muskegon, MI area | +125% | +4.4% |
| 5 | 499 · Houghton, MI area | +119% | +5.6% |
| 6 | 493 · Big Rapids, MI area | +119% | +5.3% |
| 7 | 485 · Flint, MI area | +119% | +3.1% |
| 8 | 487 · Bay City, MI area | +115% | +3.9% |
| 9 | 486 · Saginaw, MI area | +112% | +5.6% |
| 10 | 498 · Marquette, MI area | +109% | +6.8% |
Top 10 by change since Q1 1995
| # | 3-digit ZIP region | Since Q1 1995 | 1 year |
|---|---|---|---|
| 1 | 496 · Traverse City, MI area | +364% | +5.0% |
| 2 | 495 · Grand Rapids, MI area | +314% | +3.6% |
| 3 | 498 · Marquette, MI area | +305% | +6.8% |
| 4 | 497 · Sault Ste. Marie, MI area | +297% | +6.2% |
| 5 | 494 · Muskegon, MI area | +288% | +4.4% |
| 6 | 493 · Big Rapids, MI area | +275% | +5.3% |
| 7 | 491 · Niles, MI area | +273% | +7.3% |
| 8 | 499 · Houghton, MI area | +272% | +5.6% |
| 9 | 490 · Kalamazoo, MI area | +240% | +2.8% |
| 10 | 482 · Detroit, MI area | +231% | +5.0% |
Frequently asked questions
- What is the fastest-appreciating ZIP code area in Michigan?
- Over the past year, ZIP3 492 (Jackson, MI area) led Michigan at +7.3%. Over five years the leader was ZIP3 497 (Sault Ste. Marie, MI area) at +70.5%, and since Q1 1995 it was ZIP3 496 (Traverse City, MI area) at +364%.
- Why are rankings by 3-digit ZIP and not 5-digit ZIP?
- FHFA publishes its quarterly ZIP-level index for 3-digit ZIP regions, which group all ZIP codes sharing the same first three digits. Each region covers many communities, so results describe broad regional trends rather than any one neighborhood or home.