3-digit ZIP regional index
Home appreciation in ZIP codes 010xxChicopee, MA area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 010 changed +3.4% over the year to Q2 2026, compared with +3.2% for Massachusetts and +3.0% for the United States.
The region covers ZIP codes 01001–01098. Most of its 2010 population lived in Hampden County (62%), Hampshire County (34%). Communities in the region include Westfield, Holyoke, Northampton, Agawam Town, West Springfield Town. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +3.4%
- 5-year change
- +43.3%
- Since Q1 1995
- +254%
- National rank (1 year)
- 486th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 010 vs Massachusetts and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 010: 354.4
- Massachusetts: 471.6
- Springfield, MA metro: 360.0
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 010 | MA | U.S. | Gap vs MA | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +3.4% | +3.2% | +3.0% | +0.2 pts | +0.3 pts |
| 3 years | +18.1% | +16.1% | +12.9% | +2.0 pts | +5.2 pts |
| 5 years | +43.3% | +41.9% | +41.3% | +1.5 pts | +2.1 pts |
| 10 years | +85.1% | +91.9% | +93.3% | −6.8 pts | −8.3 pts |
| Since Q1 1995 | +254% | +372% | +292% | −117.2 pts | −37.2 pts |
If you bought in ZIP3 010 in…
Applying the regional index change from the same quarter of each year to Q2 2026 to an example $300,000 purchase price. Individual homes can differ widely from the regional average.
| Bought in | Index change | $300,000 then, at the regional rate |
|---|---|---|
| Q2 1995 | +250% | $1,048,728 |
| Q2 2000 | +201% | $902,547 |
| Q2 2005 | +82.6% | $547,815 |
| Q2 2010 | +88.0% | $563,912 |
| Q2 2015 | +89.3% | $567,827 |
| Q2 2020 | +61.4% | $484,065 |
| Q2 2021 | +43.3% | $430,028 |
| Q2 2023 | +18.1% | $354,235 |
| Q2 2025 | +3.4% | $310,125 |
How ZIP3 010 ranks
Over the past year ZIP3 010 ranks 486th of 882 3-digit ZIP regions nationally and 11th of 18 in Massachusetts. Its one-year change is +0.3 pts versus the nation and +0.2 pts versus Massachusetts. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Massachusetts |
|---|---|---|
| 1 year | 486th of 882 | 11th of 18 |
| 3 years | 294th of 882 | 5th of 18 |
| 5 years | 485th of 882 | 9th of 18 |
| 10 years | 544th of 882 | 15th of 18 |
| Since Q1 1995 | 473rd of 879 | 18th of 18 |
Boom, bust, and recovery in ZIP3 010
ZIP3 010's index peaked in Q1 2007, fell 13.1% to its low in Q1 2014, and regained its peak in Q2 2019, about 12.2 years after the top. Today it sits +70.3% 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 |
|---|---|---|---|---|---|
| ZIP3 010 | Q1 2007 | Q1 2014 | -13.1% | Q2 2019 (12.2 yrs) | +70.3% |
| MA | Q1 2006 | Q2 2012 | -17.6% | Q2 2017 (11.2 yrs) | +84.2% |
| Metro | Q2 2007 | Q1 2014 | -15.3% | Q2 2019 (12 yrs) | +73.3% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 010's index has changed +60.1% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 010 after inflation | MA after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -0.5% | -0.7% | +0.5% | -0.8% |
| 3 years | +9.8% | +7.5% | +5.7% | +9.1% | +2.8% |
| 5 years | +24.0% | +15.6% | +14.4% | +16.3% | +13.9% |
| 10 years | +39.1% | +33.0% | +38.0% | +37.8% | +39.0% |
| Since Q1 1995 | +121% | +60.1% | +113% | +62.6% | +76.8% |
Estimate appreciation for a home in ZIP3 010
Regional estimate
$555,167
- Estimated gain
- $255,167
- Index change
- +85.06%
- Start index
- 191.51
- End index
- 354.40
ZIP3 010 (Chicopee, MA area), Q2 2016 to Q2 2026. Index type: Native 3-Digit ZIP index.
Nearby 3-digit ZIP regions
| 3-digit ZIP region | State | 1 year | 5 years | Since Q1 1995 |
|---|---|---|---|---|
| 011 · Springfield, MA area | MA | +5.4% | +44.3% | +296% |
| 013 · Greenfield Town, MA area | MA | +5.2% | +49.4% | +415% |
| 060 · New Britain, CT area | CT | +6.2% | +57.3% | +209% |
| 061 · Hartford, CT area | CT | +4.7% | +61.0% | +250% |
| 062 · Danielson, CT area | CT | +6.6% | +56.3% | +231% |
| 012 · Pittsfield, MA area | MA | +6.3% | +55.4% | +309% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 354.40 |
| Q1 2026 | 346.94 |
| Q4 2025 | 348.09 |
| Q3 2025 | 341.70 |
| Q2 2025 | 342.83 |
| Q1 2025 | 332.25 |
| Q4 2024 | 330.09 |
| Q3 2024 | 326.13 |
| Q2 2024 | 326.53 |
| Q1 2024 | 309.92 |
| Q4 2023 | 311.46 |
| Q3 2023 | 306.62 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 010?
- Based on FHFA HPI® data for 3-digit ZIP region 010, the regional index changed +3.4% over the year to Q2 2026, +43.3% over five years, +85.1% over ten years, and +254% since Q1 1995.
- Is ZIP3 010 appreciating faster than Massachusetts and the U.S.?
- Over the past year the region's index +3.4% compares with +3.2% for Massachusetts and +3.0% for the U.S., a gap of +0.3 pts versus the nation. Over five years the gap versus the nation is +2.1 pts.
- Which ZIP codes are in 3-digit ZIP region 010?
- All ZIP codes that begin with 010. Census 2010 ZIP Code Tabulation Areas in this region run from 01001 to 01098 (63 areas). FHFA publishes one index for the whole 3-digit region, not for each 5-digit ZIP code.
- Can I use this to value my home?
- No. The FHFA HPI® is a broad regional index of average price movement. It is not an appraisal, tax assessment, or automated valuation of any individual property. Use it as general context alongside local sales and a professional opinion.