3-digit ZIP regional index
Home appreciation in ZIP codes 084xxAtlantic City, NJ area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 084 changed +6.2% 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 08401–08406. Most of its 2010 population lived in Atlantic County (100%). Communities in the region include Ventnor City, Margate City, Longport. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +6.2%
- 5-year change
- +68.9%
- Since Q1 1995
- +388%
- National rank (1 year)
- 125th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 084 vs New Jersey and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 084: 488.1
- New Jersey: 420.2
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 084 | NJ | U.S. | Gap vs NJ | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +6.2% | +5.5% | +3.0% | +0.7 pts | +3.1 pts |
| 3 years | +26.0% | +24.2% | +12.9% | +1.8 pts | +13.2 pts |
| 5 years | +68.9% | +58.3% | +41.3% | +10.6 pts | +27.6 pts |
| 10 years | +127% | +99.2% | +93.3% | +27.6 pts | +33.5 pts |
| Since Q1 1995 | +388% | +320% | +292% | +67.9 pts | +96.5 pts |
If you bought in ZIP3 084 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 | +381% | $1,442,346 |
| Q2 2000 | +285% | $1,154,423 |
| Q2 2005 | +90.3% | $570,843 |
| Q2 2010 | +105% | $615,576 |
| Q2 2015 | +121% | $663,436 |
| Q2 2020 | +97.2% | $591,744 |
| Q2 2021 | +68.9% | $506,738 |
| Q2 2023 | +26.0% | $378,071 |
| Q2 2025 | +6.2% | $318,479 |
How ZIP3 084 ranks
Over the past year ZIP3 084 ranks 125th of 882 3-digit ZIP regions nationally and 9th of 20 in New Jersey. Its one-year change is +3.1 pts versus the nation and +0.7 pts versus New Jersey. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in New Jersey |
|---|---|---|
| 1 year | 125th of 882 | 9th of 20 |
| 3 years | 23rd of 882 | 5th of 20 |
| 5 years | 5th of 882 | 2nd of 20 |
| 10 years | 58th of 882 | 3rd of 20 |
| Since Q1 1995 | 93rd of 879 | 2nd of 20 |
Boom, bust, and recovery in ZIP3 084
ZIP3 084's index peaked in Q4 2006, fell 28.5% to its low in Q3 2015, and regained its peak in Q3 2021, about 14.8 years after the top. Today it sits +65.3% 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 084 | Q4 2006 | Q3 2015 | -28.5% | Q3 2021 (14.8 yrs) | +65.3% |
| NJ | Q1 2007 | Q2 2012 | -22.1% | Q1 2021 (14 yrs) | +67.8% |
| Metro | Q4 2006 | Q3 2015 | -28.5% | Q3 2021 (14.8 yrs) | +65.3% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 084's index has changed +120% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 084 after inflation | NJ after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +2.2% | +1.5% | +2.2% | -0.8% |
| 3 years | +9.8% | +14.8% | +13.1% | +14.8% | +2.8% |
| 5 years | +24.0% | +36.2% | +27.6% | +36.2% | +13.9% |
| 10 years | +39.1% | +63.0% | +43.2% | +63.0% | +39.0% |
| Since Q1 1995 | +121% | +120% | +89.8% | +120% | +76.8% |
Estimate appreciation for a home in ZIP3 084
Regional estimate
$680,328
- Estimated gain
- $380,328
- Index change
- +127%
- Start index
- 215.23
- End index
- 488.09
ZIP3 084 (Atlantic City, NJ area), Q2 2016 to Q2 2026. Index type: MSA/MSAD Index.
Nearby 3-digit ZIP regions
| 3-digit ZIP region | State | 1 year | 5 years | Since Q1 1995 |
|---|---|---|---|---|
| 082 · Pleasantville, NJ area | NJ | +6.6% | +70.2% | +387% |
| 083 · Vineland, NJ area | NJ | +8.0% | +64.5% | +253% |
| 080 · Glassboro, NJ area | NJ | +4.3% | +62.0% | +282% |
| 087 · Point Pleasant, NJ area | NJ | +5.0% | +64.1% | +427% |
| 081 · Camden, NJ area | NJ | +7.6% | +68.7% | +359% |
| 191 · Philadelphia, PA area | PA | +4.4% | +26.3% | +380% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 488.09 |
| Q1 2026 | 474.36 |
| Q4 2025 | 478.60 |
| Q3 2025 | 461.06 |
| Q2 2025 | 459.77 |
| Q1 2025 | 442.15 |
| Q4 2024 | 448.52 |
| Q3 2024 | 431.74 |
| Q2 2024 | 426.58 |
| Q1 2024 | 417.80 |
| Q4 2023 | 404.17 |
| Q3 2023 | 395.31 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 084?
- Based on FHFA HPI® data for 3-digit ZIP region 084, the regional index changed +6.2% over the year to Q2 2026, +68.9% over five years, +127% over ten years, and +388% since Q1 1995.
- Is ZIP3 084 appreciating faster than New Jersey and the U.S.?
- Over the past year the region's index +6.2% compares with +5.5% for New Jersey and +3.0% for the U.S., a gap of +3.1 pts versus the nation. Over five years the gap versus the nation is +27.6 pts.
- Which ZIP codes are in 3-digit ZIP region 084?
- All ZIP codes that begin with 084. Census 2010 ZIP Code Tabulation Areas in this region run from 08401 to 08406 (4 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.