3-digit ZIP regional index
Home appreciation in ZIP codes 103xxNew York, NY area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 103 changed +3.6% over the year to Q2 2026, compared with +5.3% for New York and +3.0% for the United States.
The region covers ZIP codes 10301–10314. Most of its 2010 population lived in Richmond County (100%). This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +3.6%
- 5-year change
- +29.0%
- Since Q1 1995
- +377%
- National rank (1 year)
- 450th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 103 vs New York and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 103: 476.8
- New York: 433.4
- New York-Jersey City-White Plains, NY-NJ metro: 454.2
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 103 | NY | U.S. | Gap vs NY | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +3.6% | +5.3% | +3.0% | −1.7 pts | +0.6 pts |
| 3 years | +17.7% | +22.4% | +12.9% | −4.7 pts | +4.8 pts |
| 5 years | +29.0% | +49.9% | +41.3% | −20.9 pts | −12.3 pts |
| 10 years | +71.5% | +96.6% | +93.3% | −25.1 pts | −21.8 pts |
| Since Q1 1995 | +377% | +333% | +292% | +43.4 pts | +85.3 pts |
If you bought in ZIP3 103 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 | +364% | $1,391,363 |
| Q2 2000 | +246% | $1,036,941 |
| Q2 2005 | +87.9% | $563,795 |
| Q2 2010 | +89.8% | $569,337 |
| Q2 2015 | +78.8% | $536,275 |
| Q2 2020 | +34.0% | $402,108 |
| Q2 2021 | +29.0% | $386,925 |
| Q2 2023 | +17.7% | $353,104 |
| Q2 2025 | +3.6% | $310,753 |
How ZIP3 103 ranks
Over the past year ZIP3 103 ranks 450th of 882 3-digit ZIP regions nationally and 42nd of 49 in New York. Its one-year change is +0.6 pts versus the nation and −1.7 pts versus New York. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in New York |
|---|---|---|
| 1 year | 450th of 882 | 42nd of 49 |
| 3 years | 311th of 882 | 43rd of 49 |
| 5 years | 803rd of 882 | 47th of 49 |
| 10 years | 725th of 882 | 44th of 49 |
| Since Q1 1995 | 118th of 879 | 10th of 49 |
Boom, bust, and recovery in ZIP3 103
ZIP3 103's index peaked in Q1 2007, fell 12.1% to its low in Q3 2011, and regained its peak in Q3 2016, about 9.5 years after the top. Today it sits +70.1% 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 103 | Q1 2007 | Q3 2011 | -12.1% | Q3 2016 (9.5 yrs) | +70.1% |
| NY | Q1 2007 | Q2 2012 | -14.0% | Q3 2017 (10.5 yrs) | +85.2% |
| Metro | Q1 2007 | Q2 2012 | -18.2% | Q1 2018 (11 yrs) | +67.6% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 103's index has changed +115% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 103 after inflation | NY after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -0.3% | +1.4% | +1.8% | -0.8% |
| 3 years | +9.8% | +7.2% | +11.5% | +11.8% | +2.8% |
| 5 years | +24.0% | +4.0% | +20.8% | +16.9% | +13.9% |
| 10 years | +39.1% | +23.3% | +41.4% | +30.4% | +39.0% |
| Since Q1 1995 | +121% | +115% | +95.8% | +105% | +76.8% |
Estimate appreciation for a home in ZIP3 103
Regional estimate
$514,480
- Estimated gain
- $214,480
- Index change
- +71.49%
- Start index
- 278.04
- End index
- 476.82
ZIP3 103 (New York, NY 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 |
|---|---|---|---|---|
| 072 · Elizabeth, NJ area | NJ | +6.3% | +53.7% | +307% |
| 073 · Jersey City, NJ area | NJ | +5.7% | +45.1% | +354% |
| 112 · New York, NY area | NY | +1.4% | +22.2% | +449% |
| 071 · Newark, NJ area | NJ | +4.8% | +56.2% | +358% |
| 070 · Clifton, NJ area | NJ | +6.4% | +53.0% | +348% |
| 100 · New York, NY area | NY | +5.7% | +45.1% | +354% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 476.82 |
| Q1 2026 | 469.42 |
| Q4 2025 | 463.05 |
| Q3 2025 | 462.87 |
| Q2 2025 | 460.32 |
| Q1 2025 | 446.59 |
| Q4 2024 | 441.61 |
| Q3 2024 | 425.70 |
| Q2 2024 | 428.42 |
| Q1 2024 | 413.00 |
| Q4 2023 | 414.11 |
| Q3 2023 | 414.96 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 103?
- Based on FHFA HPI® data for 3-digit ZIP region 103, the regional index changed +3.6% over the year to Q2 2026, +29.0% over five years, +71.5% over ten years, and +377% since Q1 1995.
- Is ZIP3 103 appreciating faster than New York and the U.S.?
- Over the past year the region's index +3.6% compares with +5.3% for New York and +3.0% for the U.S., a gap of +0.6 pts versus the nation. Over five years the gap versus the nation is −12.3 pts.
- Which ZIP codes are in 3-digit ZIP region 103?
- All ZIP codes that begin with 103. Census 2010 ZIP Code Tabulation Areas in this region run from 10301 to 10314 (13 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.