3-digit ZIP regional index
Home appreciation in ZIP codes 039xxKittery, ME area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 039 changed -0.3% over the year to Q2 2026, compared with +3.2% for Maine and +3.0% for the United States.
The region covers ZIP codes 03901–03911. Most of its 2010 population lived in York County (100%). Communities in the region include South Eliot, York Harbor, Cape Neddick, Berwick, North Berwick. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- -0.3%
- 5-year change
- +51.6%
- Since Q1 1995
- +431%
- National rank (1 year)
- 830th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 039 vs Maine and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 039: 530.8
- Maine: 477.7
- Portland-South Portland, ME metro: 519.0
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 039 | ME | U.S. | Gap vs ME | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | -0.3% | +3.2% | +3.0% | −3.5 pts | −3.3 pts |
| 3 years | +15.0% | +17.0% | +12.9% | −1.9 pts | +2.2 pts |
| 5 years | +51.6% | +56.4% | +41.3% | −4.8 pts | +10.3 pts |
| 10 years | +110% | +123% | +93.3% | −13.1 pts | +16.4 pts |
| Since Q1 1995 | +431% | +378% | +292% | +53.1 pts | +139.3 pts |
If you bought in ZIP3 039 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 | +420% | $1,560,929 |
| Q2 2000 | +255% | $1,063,839 |
| Q2 2005 | +108% | $623,467 |
| Q2 2010 | +126% | $679,290 |
| Q2 2015 | +119% | $657,145 |
| Q2 2020 | +70.3% | $510,977 |
| Q2 2021 | +51.6% | $454,898 |
| Q2 2023 | +15.0% | $345,129 |
| Q2 2025 | -0.3% | $299,093 |
How ZIP3 039 ranks
Over the past year ZIP3 039 ranks 830th of 882 3-digit ZIP regions nationally and 11th of 11 in Maine. Its one-year change is −3.3 pts versus the nation and −3.5 pts versus Maine. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Maine |
|---|---|---|
| 1 year | 830th of 882 | 11th of 11 |
| 3 years | 455th of 882 | 9th of 11 |
| 5 years | 201st of 882 | 11th of 11 |
| 10 years | 191st of 882 | 10th of 11 |
| Since Q1 1995 | 53rd of 879 | 2nd of 11 |
Boom, bust, and recovery in ZIP3 039
ZIP3 039's index peaked in Q1 2007, fell 15.8% to its low in Q2 2012, and regained its peak in Q4 2017, about 10.8 years after the top. Today it sits +96.2% 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 039 | Q1 2007 | Q2 2012 | -15.8% | Q4 2017 (10.8 yrs) | +96.2% |
| ME | Q1 2008 | Q2 2012 | -13.1% | Q3 2017 (9.5 yrs) | +109% |
| Metro | Q1 2007 | Q2 2012 | -13.2% | Q1 2017 (10 yrs) | +117% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 039's index has changed +140% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 039 after inflation | ME after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -4.0% | -0.6% | +0.6% | -0.8% |
| 3 years | +9.8% | +4.8% | +6.5% | +7.4% | +2.8% |
| 5 years | +24.0% | +22.3% | +26.1% | +25.7% | +13.9% |
| 10 years | +39.1% | +50.8% | +60.2% | +61.7% | +39.0% |
| Since Q1 1995 | +121% | +140% | +116% | +134% | +76.8% |
Estimate appreciation for a home in ZIP3 039
Regional estimate
$629,182
- Estimated gain
- $329,182
- Index change
- +110%
- Start index
- 253.10
- End index
- 530.82
ZIP3 039 (Kittery, ME 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 |
|---|---|---|---|---|
| 038 · Dover, NH area | NH | +3.4% | +54.4% | +419% |
| 040 · Biddeford, ME area | ME | +4.5% | +55.8% | +387% |
| 031 · Manchester, NH area | NH | +3.4% | +52.6% | +392% |
| 041 · Portland, ME area | ME | +5.2% | +56.7% | +497% |
| 033 · Concord, NH area | NH | +1.3% | +53.0% | +356% |
| 030 · Nashua, NH area | NH | +5.2% | +52.8% | +396% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 530.82 |
| Q1 2026 | 535.91 |
| Q4 2025 | 531.91 |
| Q3 2025 | 544.21 |
| Q2 2025 | 532.43 |
| Q1 2025 | 507.95 |
| Q4 2024 | 507.41 |
| Q3 2024 | 489.03 |
| Q2 2024 | 487.62 |
| Q1 2024 | 467.22 |
| Q4 2023 | 470.30 |
| Q3 2023 | 465.56 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 039?
- Based on FHFA HPI® data for 3-digit ZIP region 039, the regional index changed -0.3% over the year to Q2 2026, +51.6% over five years, +110% over ten years, and +431% since Q1 1995.
- Is ZIP3 039 appreciating faster than Maine and the U.S.?
- Over the past year the region's index -0.3% compares with +3.2% for Maine and +3.0% for the U.S., a gap of −3.3 pts versus the nation. Over five years the gap versus the nation is +10.3 pts.
- Which ZIP codes are in 3-digit ZIP region 039?
- All ZIP codes that begin with 039. Census 2010 ZIP Code Tabulation Areas in this region run from 03901 to 03911 (11 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.