3-digit ZIP regional index
Home appreciation in ZIP codes 081xxCamden, NJ area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 081 changed +7.6% 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 08102–08110. Most of its 2010 population lived in Camden County (100%). Communities in the region include Collingswood, Audubon, Oaklyn, Merchantville, Woodlynne. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +7.6%
- 5-year change
- +68.7%
- Since Q1 1995
- +359%
- National rank (1 year)
- 58th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 081 vs New Jersey and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 081: 458.8
- New Jersey: 420.2
- Camden, NJ metro: 374.0
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 081 | NJ | U.S. | Gap vs NJ | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +7.6% | +5.5% | +3.0% | +2.1 pts | +4.6 pts |
| 3 years | +30.1% | +24.2% | +12.9% | +5.9 pts | +17.2 pts |
| 5 years | +68.7% | +58.3% | +41.3% | +10.4 pts | +27.4 pts |
| 10 years | +128% | +99.2% | +93.3% | +28.9 pts | +34.8 pts |
| Since Q1 1995 | +359% | +320% | +292% | +38.6 pts | +67.2 pts |
If you bought in ZIP3 081 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 | +326% | $1,277,053 |
| Q2 2000 | +337% | $1,310,868 |
| Q2 2005 | +131% | $693,165 |
| Q2 2010 | +122% | $666,254 |
| Q2 2015 | +136% | $709,459 |
| Q2 2020 | +94.3% | $582,774 |
| Q2 2021 | +68.7% | $506,153 |
| Q2 2023 | +30.0% | $390,146 |
| Q2 2025 | +7.6% | $322,813 |
How ZIP3 081 ranks
Over the past year ZIP3 081 ranks 58th of 882 3-digit ZIP regions nationally and 3rd of 20 in New Jersey. Its one-year change is +4.6 pts versus the nation and +2.1 pts versus New Jersey. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in New Jersey |
|---|---|---|
| 1 year | 58th of 882 | 3rd of 20 |
| 3 years | 4th of 882 | 1st of 20 |
| 5 years | 6th of 882 | 3rd of 20 |
| 10 years | 47th of 882 | 2nd of 20 |
| Since Q1 1995 | 142nd of 879 | 5th of 20 |
Boom, bust, and recovery in ZIP3 081
ZIP3 081's index peaked in Q3 2007, fell 21.7% to its low in Q2 2012, and regained its peak in Q3 2020, about 13 years after the top. Today it sits +92.1% 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 081 | Q3 2007 | Q2 2012 | -21.7% | Q3 2020 (13 yrs) | +92.1% |
| NJ | Q1 2007 | Q2 2012 | -22.1% | Q1 2021 (14 yrs) | +67.8% |
| Metro | Q1 2007 | Q2 2012 | -23.5% | Q2 2021 (14.2 yrs) | +68.5% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 081's index has changed +107% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 081 after inflation | NJ after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +3.6% | +1.5% | +0.8% | -0.8% |
| 3 years | +9.8% | +18.4% | +13.1% | +13.0% | +2.8% |
| 5 years | +24.0% | +36.0% | +27.6% | +31.7% | +13.9% |
| 10 years | +39.1% | +64.0% | +43.2% | +50.6% | +39.0% |
| Since Q1 1995 | +121% | +107% | +89.8% | +68.9% | +76.8% |
Estimate appreciation for a home in ZIP3 081
Regional estimate
$684,342
- Estimated gain
- $384,342
- Index change
- +128%
- Start index
- 201.11
- End index
- 458.76
ZIP3 081 (Camden, 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 |
|---|---|---|---|---|
| 191 · Philadelphia, PA area | PA | +4.4% | +26.3% | +380% |
| 190 · Chester, PA area | PA | +3.7% | +45.6% | +276% |
| 080 · Glassboro, NJ area | NJ | +4.3% | +62.0% | +282% |
| 194 · Norristown, PA area | PA | +5.3% | +47.5% | +265% |
| 189 · Quakertown, PA area | PA | +6.0% | +47.2% | +270% |
| 086 · Trenton, NJ area | NJ | +4.6% | +65.2% | +271% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 458.76 |
| Q1 2026 | 445.58 |
| Q4 2025 | 436.32 |
| Q3 2025 | 439.62 |
| Q2 2025 | 426.34 |
| Q1 2025 | 415.25 |
| Q4 2024 | 408.41 |
| Q3 2024 | 404.97 |
| Q2 2024 | 401.43 |
| Q1 2024 | 384.08 |
| Q4 2023 | 375.28 |
| Q3 2023 | 377.06 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 081?
- Based on FHFA HPI® data for 3-digit ZIP region 081, the regional index changed +7.6% over the year to Q2 2026, +68.7% over five years, +128% over ten years, and +359% since Q1 1995.
- Is ZIP3 081 appreciating faster than New Jersey and the U.S.?
- Over the past year the region's index +7.6% compares with +5.5% for New Jersey and +3.0% for the U.S., a gap of +4.6 pts versus the nation. Over five years the gap versus the nation is +27.4 pts.
- Which ZIP codes are in 3-digit ZIP region 081?
- All ZIP codes that begin with 081. Census 2010 ZIP Code Tabulation Areas in this region run from 08102 to 08110 (9 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.