3-digit ZIP regional index
Home appreciation in ZIP codes 034xxKeene, NH area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 034 changed +5.5% 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 03431–03470. Most of its 2010 population lived in Cheshire County (85%), Hillsborough County (15%). Communities in the region include Peterborough, Jaffrey, Winchester, Hinsdale, Antrim. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +5.5%
- 5-year change
- +61.8%
- Since Q1 1995
- +300%
- National rank (1 year)
- 211th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 034 vs New Hampshire and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 034: 400.4
- 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 034 | NH | U.S. | Gap vs NH | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +5.5% | +4.0% | +3.0% | +1.5 pts | +2.5 pts |
| 3 years | +21.4% | +19.3% | +12.9% | +2.1 pts | +8.5 pts |
| 5 years | +61.8% | +54.9% | +41.3% | +6.9 pts | +20.5 pts |
| 10 years | +123% | +120% | +93.3% | +2.8 pts | +29.9 pts |
| Since Q1 1995 | +300% | +400% | +292% | −99.1 pts | +8.8 pts |
If you bought in ZIP3 034 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 | +317% | $1,252,100 |
| Q2 2000 | +237% | $1,011,657 |
| Q2 2005 | +104% | $611,454 |
| Q2 2010 | +115% | $643,663 |
| Q2 2015 | +130% | $690,866 |
| Q2 2020 | +84.0% | $552,121 |
| Q2 2021 | +61.8% | $485,407 |
| Q2 2023 | +21.4% | $364,192 |
| Q2 2025 | +5.5% | $316,448 |
How ZIP3 034 ranks
Over the past year ZIP3 034 ranks 211th of 882 3-digit ZIP regions nationally and 1st of 9 in New Hampshire. Its one-year change is +2.5 pts versus the nation and +1.5 pts versus New Hampshire. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in New Hampshire |
|---|---|---|
| 1 year | 211th of 882 | 1st of 9 |
| 3 years | 156th of 882 | 1st of 9 |
| 5 years | 34th of 882 | 1st of 9 |
| 10 years | 72nd of 882 | 5th of 9 |
| Since Q1 1995 | 310th of 879 | 9th of 9 |
Boom, bust, and recovery in ZIP3 034
ZIP3 034's index peaked in Q4 2006, fell 20.6% to its low in Q4 2013, and regained its peak in Q2 2020, about 13.5 years after the top. Today it sits +86.9% 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 034 | Q4 2006 | Q4 2013 | -20.6% | Q2 2020 (13.5 yrs) | +86.9% |
| 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 034's index has changed +80.8% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 034 after inflation | NH after inflation | U.S. after inflation |
|---|---|---|---|---|
| 1 year | +3.9% | +1.6% | +0.1% | -0.8% |
| 3 years | +9.8% | +10.6% | +8.6% | +2.8% |
| 5 years | +24.0% | +30.4% | +24.9% | +13.9% |
| 10 years | +39.1% | +60.5% | +58.4% | +39.0% |
| Since Q1 1995 | +121% | +80.8% | +126% | +76.8% |
Estimate appreciation for a home in ZIP3 034
Regional estimate
$669,569
- Estimated gain
- $369,569
- Index change
- +123%
- Start index
- 179.39
- End index
- 400.38
ZIP3 034 (Keene, 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 |
|---|---|---|---|---|
| 036 · Charlestown, NH area | NH | +4.0% | +60.4% | +381% |
| 053 · Brattleboro, VT area | VT | +6.1% | +62.9% | +305% |
| 013 · Greenfield Town, MA area | MA | +5.2% | +49.4% | +415% |
| 014 · Leominster, MA area | MA | +3.5% | +46.5% | +332% |
| 051 · Bellows Falls, VT area | VT | +6.1% | +62.9% | +305% |
| 031 · Manchester, NH area | NH | +3.4% | +52.6% | +392% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 400.38 |
| Q1 2026 | 404.59 |
| Q4 2025 | 387.10 |
| Q3 2025 | 384.58 |
| Q2 2025 | 379.57 |
| Q1 2025 | 379.79 |
| Q4 2024 | 363.17 |
| Q3 2024 | 368.19 |
| Q2 2024 | 353.83 |
| Q1 2024 | 335.81 |
| Q4 2023 | 337.51 |
| Q3 2023 | 332.92 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 034?
- Based on FHFA HPI® data for 3-digit ZIP region 034, the regional index changed +5.5% over the year to Q2 2026, +61.8% over five years, +123% over ten years, and +300% since Q1 1995.
- Is ZIP3 034 appreciating faster than New Hampshire and the U.S.?
- Over the past year the region's index +5.5% compares with +4.0% for New Hampshire and +3.0% for the U.S., a gap of +2.5 pts versus the nation. Over five years the gap versus the nation is +20.5 pts.
- Which ZIP codes are in 3-digit ZIP region 034?
- All ZIP codes that begin with 034. Census 2010 ZIP Code Tabulation Areas in this region run from 03431 to 03470 (25 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.