3-digit ZIP regional index
Home appreciation in ZIP codes 070xxClifton, NJ area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 070 changed +6.4% over the year to Q2 2026, compared with +5.5% for New Jersey and +3.0% for the United States.
The region covers ZIP codes 07001–07095. Most of its 2010 population lived in Essex County (23%), Hudson County (23%), Union County (18%). Communities in the region include Passaic, Union City, East Orange, Bayonne, Hoboken. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +6.4%
- 5-year change
- +53.0%
- Since Q1 1995
- +348%
- National rank (1 year)
- 106th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 070 vs New Jersey and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 070: 448.3
- New Jersey: 420.2
- Newark, NJ metro: 406.5
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 070 | NJ | U.S. | Gap vs NJ | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +6.4% | +5.5% | +3.0% | +1.0 pts | +3.4 pts |
| 3 years | +24.1% | +24.2% | +12.9% | −0.1 pts | +11.3 pts |
| 5 years | +53.0% | +58.3% | +41.3% | −5.3 pts | +11.7 pts |
| 10 years | +94.4% | +99.2% | +93.3% | −4.8 pts | +1.0 pts |
| Since Q1 1995 | +348% | +320% | +292% | +28.1 pts | +56.7 pts |
If you bought in ZIP3 070 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 | +345% | $1,335,462 |
| Q2 2000 | +249% | $1,046,871 |
| Q2 2005 | +94.5% | $583,381 |
| Q2 2010 | +105% | $613,704 |
| Q2 2015 | +100% | $600,844 |
| Q2 2020 | +69.8% | $509,417 |
| Q2 2021 | +53.0% | $459,089 |
| Q2 2023 | +24.1% | $372,348 |
| Q2 2025 | +6.4% | $319,205 |
How ZIP3 070 ranks
Over the past year ZIP3 070 ranks 106th of 882 3-digit ZIP regions nationally and 5th of 20 in New Jersey. Its one-year change is +3.4 pts versus the nation and +1.0 pts versus New Jersey. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in New Jersey |
|---|---|---|
| 1 year | 106th of 882 | 5th of 20 |
| 3 years | 57th of 882 | 11th of 20 |
| 5 years | 171st of 882 | 17th of 20 |
| 10 years | 390th of 882 | 12th of 20 |
| Since Q1 1995 | 172nd of 879 | 10th of 20 |
Boom, bust, and recovery in ZIP3 070
ZIP3 070's index peaked in Q1 2007, fell 19.6% to its low in Q2 2012, and regained its peak in Q4 2019, about 12.8 years after the top. Today it sits +74.0% 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 070 | Q1 2007 | Q2 2012 | -19.6% | Q4 2019 (12.8 yrs) | +74.0% |
| NJ | Q1 2007 | Q2 2012 | -22.1% | Q1 2021 (14 yrs) | +67.8% |
| Metro | Q1 2007 | Q2 2012 | -20.3% | Q4 2020 (13.8 yrs) | +64.7% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 070's index has changed +102% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 070 after inflation | NJ after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +2.4% | +1.5% | +2.4% | -0.8% |
| 3 years | +9.8% | +13.0% | +13.1% | +13.1% | +2.8% |
| 5 years | +24.0% | +23.4% | +27.6% | +23.9% | +13.9% |
| 10 years | +39.1% | +39.8% | +43.2% | +36.6% | +39.0% |
| Since Q1 1995 | +121% | +102% | +89.8% | +83.6% | +76.8% |
Estimate appreciation for a home in ZIP3 070
Regional estimate
$583,128
- Estimated gain
- $283,128
- Index change
- +94.38%
- Start index
- 230.62
- End index
- 448.27
ZIP3 070 (Clifton, NJ 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 |
|---|---|---|---|---|
| 071 · Newark, NJ area | NJ | +4.8% | +56.2% | +358% |
| 072 · Elizabeth, NJ area | NJ | +6.3% | +53.7% | +307% |
| 073 · Jersey City, NJ area | NJ | +5.7% | +45.1% | +354% |
| 075 · Paterson, NJ area | NJ | +5.7% | +45.1% | +354% |
| 103 · New York, NY area | NY | +3.6% | +29.0% | +377% |
| 100 · New York, NY area | NY | +5.7% | +45.1% | +354% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 448.27 |
| Q1 2026 | 434.72 |
| Q4 2025 | 431.34 |
| Q3 2025 | 424.54 |
| Q2 2025 | 421.30 |
| Q1 2025 | 413.93 |
| Q4 2024 | 405.42 |
| Q3 2024 | 399.91 |
| Q2 2024 | 395.04 |
| Q1 2024 | 380.61 |
| Q4 2023 | 373.46 |
| Q3 2023 | 369.15 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 070?
- Based on FHFA HPI® data for 3-digit ZIP region 070, the regional index changed +6.4% over the year to Q2 2026, +53.0% over five years, +94.4% over ten years, and +348% since Q1 1995.
- Is ZIP3 070 appreciating faster than New Jersey and the U.S.?
- Over the past year the region's index +6.4% compares with +5.5% for New Jersey and +3.0% for the U.S., a gap of +3.4 pts versus the nation. Over five years the gap versus the nation is +11.7 pts.
- Which ZIP codes are in 3-digit ZIP region 070?
- All ZIP codes that begin with 070. Census 2010 ZIP Code Tabulation Areas in this region run from 07001 to 07095 (79 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.