3-digit ZIP regional index
Home appreciation in ZIP codes 032xxLaconia, NH area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 032 changed +4.3% over the year to Q2 2026, compared with +4.0% for New Hampshire and +3.0% for the United States.
The region covers ZIP codes 03215–03293. Most of its 2010 population lived in Merrimack County (37%), Belknap County (28%), Grafton County (17%). Communities in the region include Franklin, Suncook, Plymouth, Tilton Northfield, Hillsborough. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +4.3%
- 5-year change
- +59.3%
- Since Q1 1995
- +423%
- National rank (1 year)
- 347th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 032 vs New Hampshire and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 032: 523.3
- New Hampshire: 499.5
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 032 | NH | U.S. | Gap vs NH | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +4.3% | +4.0% | +3.0% | +0.4 pts | +1.3 pts |
| 3 years | +20.1% | +19.3% | +12.9% | +0.9 pts | +7.3 pts |
| 5 years | +59.3% | +54.9% | +41.3% | +4.4 pts | +18.0 pts |
| 10 years | +132% | +120% | +93.3% | +11.2 pts | +38.2 pts |
| Since Q1 1995 | +423% | +400% | +292% | +23.8 pts | +131.8 pts |
If you bought in ZIP3 032 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 | +405% | $1,514,996 |
| Q2 2000 | +285% | $1,154,829 |
| Q2 2005 | +115% | $646,086 |
| Q2 2010 | +138% | $713,664 |
| Q2 2015 | +141% | $722,898 |
| Q2 2020 | +87.3% | $561,875 |
| Q2 2021 | +59.3% | $477,767 |
| Q2 2023 | +20.2% | $360,461 |
| Q2 2025 | +4.3% | $312,959 |
How ZIP3 032 ranks
Over the past year ZIP3 032 ranks 347th of 882 3-digit ZIP regions nationally and 3rd of 9 in New Hampshire. Its one-year change is +1.3 pts versus the nation and +0.4 pts versus New Hampshire. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in New Hampshire |
|---|---|---|
| 1 year | 347th of 882 | 3rd of 9 |
| 3 years | 195th of 882 | 3rd of 9 |
| 5 years | 55th of 882 | 5th of 9 |
| 10 years | 29th of 882 | 1st of 9 |
| Since Q1 1995 | 56th of 879 | 1st of 9 |
Boom, bust, and recovery in ZIP3 032
ZIP3 032's index peaked in Q1 2007, fell 20.5% to its low in Q2 2013, and regained its peak in Q1 2019, about 12 years after the top. Today it sits +101% 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 032 | Q1 2007 | Q2 2013 | -20.5% | Q1 2019 (12 yrs) | +101% |
| NH | Q1 2006 | Q2 2012 | -20.0% | Q2 2018 (12.2 yrs) | +97.8% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 032's index has changed +136% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 032 after inflation | NH after inflation | U.S. after inflation |
|---|---|---|---|---|
| 1 year | +3.9% | +0.4% | +0.1% | -0.8% |
| 3 years | +9.8% | +9.4% | +8.6% | +2.8% |
| 5 years | +24.0% | +28.4% | +24.9% | +13.9% |
| 10 years | +39.1% | +66.5% | +58.4% | +39.0% |
| Since Q1 1995 | +121% | +136% | +126% | +76.8% |
Estimate appreciation for a home in ZIP3 032
Regional estimate
$694,563
- Estimated gain
- $394,563
- Index change
- +132%
- Start index
- 226.04
- End index
- 523.33
ZIP3 032 (Laconia, NH 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 |
|---|---|---|---|---|
| 033 · Concord, NH area | NH | +1.3% | +53.0% | +356% |
| 037 · Claremont, NH area | NH | +4.0% | +60.4% | +381% |
| 031 · Manchester, NH area | NH | +3.4% | +52.6% | +392% |
| 038 · Dover, NH area | NH | +3.4% | +54.4% | +419% |
| 030 · Nashua, NH area | NH | +5.2% | +52.8% | +396% |
| 036 · Charlestown, NH area | NH | +4.0% | +60.4% | +381% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 523.33 |
| Q1 2026 | 516.79 |
| Q4 2025 | 516.15 |
| Q3 2025 | 508.74 |
| Q2 2025 | 501.66 |
| Q1 2025 | 490.67 |
| Q4 2024 | 488.35 |
| Q3 2024 | 477.15 |
| Q2 2024 | 475.77 |
| Q1 2024 | 456.30 |
| Q4 2023 | 452.45 |
| Q3 2023 | 449.48 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 032?
- Based on FHFA HPI® data for 3-digit ZIP region 032, the regional index changed +4.3% over the year to Q2 2026, +59.3% over five years, +132% over ten years, and +423% since Q1 1995.
- Is ZIP3 032 appreciating faster than New Hampshire and the U.S.?
- Over the past year the region's index +4.3% compares with +4.0% for New Hampshire and +3.0% for the U.S., a gap of +1.3 pts versus the nation. Over five years the gap versus the nation is +18.0 pts.
- Which ZIP codes are in 3-digit ZIP region 032?
- All ZIP codes that begin with 032. Census 2010 ZIP Code Tabulation Areas in this region run from 03215 to 03293 (58 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.