3-digit ZIP regional index
Home appreciation in ZIP codes 086xxTrenton, NJ area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 086 changed +4.6% 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 08608–08691. Most of its 2010 population lived in Mercer County (94%), Burlington County (6%). Communities in the region include Mercerville, Hamilton Square, White Horse, Fort Dix, Yardville. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +4.6%
- 5-year change
- +65.2%
- Since Q1 1995
- +271%
- National rank (1 year)
- 310th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 086 vs New Jersey and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 086: 370.5
- New Jersey: 420.2
- Trenton-Princeton, NJ metro: 376.1
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 086 | NJ | U.S. | Gap vs NJ | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +4.6% | +5.5% | +3.0% | −0.9 pts | +1.6 pts |
| 3 years | +25.1% | +24.2% | +12.9% | +0.9 pts | +12.3 pts |
| 5 years | +65.2% | +58.3% | +41.3% | +6.9 pts | +23.9 pts |
| 10 years | +108% | +99.2% | +93.3% | +8.6 pts | +14.5 pts |
| Since Q1 1995 | +271% | +320% | +292% | −49.7 pts | −21.1 pts |
If you bought in ZIP3 086 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 | +274% | $1,122,274 |
| Q2 2000 | +228% | $983,106 |
| Q2 2005 | +80.6% | $541,693 |
| Q2 2010 | +93.8% | $581,420 |
| Q2 2015 | +110% | $630,925 |
| Q2 2020 | +86.5% | $559,470 |
| Q2 2021 | +65.2% | $495,564 |
| Q2 2023 | +25.1% | $375,317 |
| Q2 2025 | +4.6% | $313,761 |
How ZIP3 086 ranks
Over the past year ZIP3 086 ranks 310th of 882 3-digit ZIP regions nationally and 17th of 20 in New Jersey. Its one-year change is +1.6 pts versus the nation and −0.9 pts versus New Jersey. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in New Jersey |
|---|---|---|
| 1 year | 310th of 882 | 17th of 20 |
| 3 years | 36th of 882 | 8th of 20 |
| 5 years | 11th of 882 | 4th of 20 |
| 10 years | 219th of 882 | 7th of 20 |
| Since Q1 1995 | 405th of 879 | 18th of 20 |
Boom, bust, and recovery in ZIP3 086
ZIP3 086's index peaked in Q4 2006, fell 25.7% to its low in Q2 2012, and regained its peak in Q3 2021, about 14.8 years after the top. Today it sits +61.9% 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 086 | Q4 2006 | Q2 2012 | -25.7% | Q3 2021 (14.8 yrs) | +61.9% |
| NJ | Q1 2007 | Q2 2012 | -22.1% | Q1 2021 (14 yrs) | +67.8% |
| Metro | Q4 2006 | Q1 2014 | -21.9% | Q3 2021 (14.8 yrs) | +63.8% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 086's index has changed +67.3% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 086 after inflation | NJ after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +0.7% | +1.5% | +1.3% | -0.8% |
| 3 years | +9.8% | +13.9% | +13.1% | +13.8% | +2.8% |
| 5 years | +24.0% | +33.2% | +27.6% | +32.3% | +13.9% |
| 10 years | +39.1% | +49.4% | +43.2% | +43.5% | +39.0% |
| Since Q1 1995 | +121% | +67.3% | +89.8% | +69.9% | +76.8% |
Estimate appreciation for a home in ZIP3 086
Regional estimate
$623,388
- Estimated gain
- $323,388
- Index change
- +108%
- Start index
- 178.30
- End index
- 370.50
ZIP3 086 (Trenton, 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 |
|---|---|---|---|---|
| 085 · Princeton, NJ area | NJ | +4.0% | +58.3% | +304% |
| 089 · New Brunswick, NJ area | NJ | +4.8% | +58.5% | +358% |
| 088 · Perth Amboy, NJ area | NJ | +3.6% | +55.2% | +284% |
| 189 · Quakertown, PA area | PA | +6.0% | +47.2% | +270% |
| 191 · Philadelphia, PA area | PA | +4.4% | +26.3% | +380% |
| 081 · Camden, NJ area | NJ | +7.6% | +68.7% | +359% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 370.50 |
| Q1 2026 | 364.71 |
| Q4 2025 | 358.48 |
| Q3 2025 | 357.25 |
| Q2 2025 | 354.25 |
| Q1 2025 | 346.39 |
| Q4 2024 | 337.12 |
| Q3 2024 | 336.86 |
| Q2 2024 | 327.96 |
| Q1 2024 | 321.87 |
| Q4 2023 | 312.55 |
| Q3 2023 | 307.99 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 086?
- Based on FHFA HPI® data for 3-digit ZIP region 086, the regional index changed +4.6% over the year to Q2 2026, +65.2% over five years, +108% over ten years, and +271% since Q1 1995.
- Is ZIP3 086 appreciating faster than New Jersey and the U.S.?
- Over the past year the region's index +4.6% compares with +5.5% for New Jersey and +3.0% for the U.S., a gap of +1.6 pts versus the nation. Over five years the gap versus the nation is +23.9 pts.
- Which ZIP codes are in 3-digit ZIP region 086?
- All ZIP codes that begin with 086. Census 2010 ZIP Code Tabulation Areas in this region run from 08608 to 08691 (15 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.