3-digit ZIP regional index
Home appreciation in ZIP codes 089xxNew Brunswick, NJ area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 089 changed +4.8% 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 08901–08904. Most of its 2010 population lived in Middlesex County (100%). Communities in the region include Highland Park. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +4.8%
- 5-year change
- +58.5%
- Since Q1 1995
- +358%
- National rank (1 year)
- 283rd
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 089 vs New Jersey and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 089: 457.5
- 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 089 | NJ | U.S. | Gap vs NJ | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +4.8% | +5.5% | +3.0% | −0.6 pts | +1.8 pts |
| 3 years | +22.8% | +24.2% | +12.9% | −1.4 pts | +9.9 pts |
| 5 years | +58.5% | +58.3% | +41.3% | +0.2 pts | +17.2 pts |
| 10 years | +102% | +99.2% | +93.3% | +2.7 pts | +8.6 pts |
| Since Q1 1995 | +358% | +320% | +292% | +37.4 pts | +66.0 pts |
If you bought in ZIP3 089 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 | +354% | $1,360,781 |
| Q2 2000 | +261% | $1,083,533 |
| Q2 2005 | +90.7% | $572,211 |
| Q2 2010 | +108% | $623,550 |
| Q2 2015 | +107% | $621,404 |
| Q2 2020 | +77.3% | $532,023 |
| Q2 2021 | +58.5% | $475,482 |
| Q2 2023 | +22.8% | $368,291 |
| Q2 2025 | +4.8% | $314,504 |
How ZIP3 089 ranks
Over the past year ZIP3 089 ranks 283rd of 882 3-digit ZIP regions nationally and 15th of 20 in New Jersey. Its one-year change is +1.8 pts versus the nation and −0.6 pts versus New Jersey. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in New Jersey |
|---|---|---|
| 1 year | 283rd of 882 | 15th of 20 |
| 3 years | 104th of 882 | 13th of 20 |
| 5 years | 65th of 882 | 8th of 20 |
| 10 years | 286th of 882 | 10th of 20 |
| Since Q1 1995 | 146th of 879 | 7th of 20 |
Boom, bust, and recovery in ZIP3 089
ZIP3 089's index peaked in Q4 2006, fell 22.3% to its low in Q2 2012, and regained its peak in Q4 2020, about 14 years after the top. Today it sits +73.1% 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 089 | Q4 2006 | Q2 2012 | -22.3% | Q4 2020 (14 yrs) | +73.1% |
| NJ | Q1 2007 | Q2 2012 | -22.1% | Q1 2021 (14 yrs) | +67.8% |
| Metro | Q4 2006 | Q2 2012 | -22.3% | Q4 2020 (14 yrs) | +73.1% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 089's index has changed +107% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 089 after inflation | NJ after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +0.9% | +1.5% | +0.9% | -0.8% |
| 3 years | +9.8% | +11.8% | +13.1% | +11.8% | +2.8% |
| 5 years | +24.0% | +27.8% | +27.6% | +27.8% | +13.9% |
| 10 years | +39.1% | +45.2% | +43.2% | +45.2% | +39.0% |
| Since Q1 1995 | +121% | +107% | +89.8% | +107% | +76.8% |
Estimate appreciation for a home in ZIP3 089
Regional estimate
$605,719
- Estimated gain
- $305,719
- Index change
- +102%
- Start index
- 226.61
- End index
- 457.54
ZIP3 089 (New Brunswick, 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 |
|---|---|---|---|---|
| 088 · Perth Amboy, NJ area | NJ | +3.6% | +55.2% | +284% |
| 085 · Princeton, NJ area | NJ | +4.0% | +58.3% | +304% |
| 103 · New York, NY area | NY | +3.6% | +29.0% | +377% |
| 072 · Elizabeth, NJ area | NJ | +6.3% | +53.7% | +307% |
| 079 · Summit, NJ area | NJ | +8.7% | +50.0% | +301% |
| 077 · Long Branch, NJ area | NJ | +5.2% | +56.7% | +378% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 457.54 |
| Q1 2026 | 449.85 |
| Q4 2025 | 446.11 |
| Q3 2025 | 441.76 |
| Q2 2025 | 436.44 |
| Q1 2025 | 428.81 |
| Q4 2024 | 420.67 |
| Q3 2024 | 415.65 |
| Q2 2024 | 409.44 |
| Q1 2024 | 395.90 |
| Q4 2023 | 389.33 |
| Q3 2023 | 381.91 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 089?
- Based on FHFA HPI® data for 3-digit ZIP region 089, the regional index changed +4.8% over the year to Q2 2026, +58.5% over five years, +102% over ten years, and +358% since Q1 1995.
- Is ZIP3 089 appreciating faster than New Jersey and the U.S.?
- Over the past year the region's index +4.8% compares with +5.5% for New Jersey and +3.0% for the U.S., a gap of +1.8 pts versus the nation. Over five years the gap versus the nation is +17.2 pts.
- Which ZIP codes are in 3-digit ZIP region 089?
- All ZIP codes that begin with 089. Census 2010 ZIP Code Tabulation Areas in this region run from 08901 to 08904 (3 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.