3-digit ZIP regional index
Home appreciation in ZIP codes 104xxNew York, NY area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 104 changed +5.9% 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 10451–10475. Most of its 2010 population lived in Bronx County (99%). This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +5.9%
- 5-year change
- +29.5%
- Since Q1 1995
- +353%
- National rank (1 year)
- 154th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 104 vs New York and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 104: 453.0
- 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 104 | NY | U.S. | Gap vs NY | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +5.9% | +5.3% | +3.0% | +0.6 pts | +2.9 pts |
| 3 years | +19.0% | +22.4% | +12.9% | −3.4 pts | +6.1 pts |
| 5 years | +29.5% | +49.9% | +41.3% | −20.4 pts | −11.8 pts |
| 10 years | +72.0% | +96.6% | +93.3% | −24.6 pts | −21.3 pts |
| Since Q1 1995 | +353% | +333% | +292% | +19.6 pts | +61.5 pts |
If you bought in ZIP3 104 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 | +359% | $1,377,768 |
| Q2 2000 | +261% | $1,082,547 |
| Q2 2005 | +97.9% | $593,774 |
| Q2 2010 | +87.9% | $563,585 |
| Q2 2015 | +85.5% | $556,478 |
| Q2 2020 | +36.9% | $410,558 |
| Q2 2021 | +29.5% | $388,372 |
| Q2 2023 | +19.0% | $357,001 |
| Q2 2025 | +5.9% | $317,798 |
How ZIP3 104 ranks
Over the past year ZIP3 104 ranks 154th of 882 3-digit ZIP regions nationally and 20th of 49 in New York. Its one-year change is +2.9 pts versus the nation and +0.6 pts versus New York. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in New York |
|---|---|---|
| 1 year | 154th of 882 | 20th of 49 |
| 3 years | 240th of 882 | 39th of 49 |
| 5 years | 796th of 882 | 46th of 49 |
| 10 years | 721st of 882 | 43rd of 49 |
| Since Q1 1995 | 165th of 879 | 17th of 49 |
Boom, bust, and recovery in ZIP3 104
ZIP3 104's index peaked in Q2 2007, fell 20.0% to its low in Q2 2012, and regained its peak in Q4 2017, about 10.5 years after the top. Today it sits +60.0% 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 104 | Q2 2007 | Q2 2012 | -20.0% | Q4 2017 (10.5 yrs) | +60.0% |
| 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 104's index has changed +105% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 104 after inflation | NY after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +2.0% | +1.4% | +1.8% | -0.8% |
| 3 years | +9.8% | +8.4% | +11.5% | +11.8% | +2.8% |
| 5 years | +24.0% | +4.4% | +20.8% | +16.9% | +13.9% |
| 10 years | +39.1% | +23.6% | +41.4% | +30.4% | +39.0% |
| Since Q1 1995 | +121% | +105% | +95.8% | +105% | +76.8% |
Estimate appreciation for a home in ZIP3 104
Regional estimate
$515,937
- Estimated gain
- $215,937
- Index change
- +71.98%
- Start index
- 263.41
- End index
- 453.01
ZIP3 104 (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 |
|---|---|---|---|---|
| 101 · New York, NY area | NY | +5.7% | +45.1% | +354% |
| 111 · New York, NY area | NY | +5.7% | +45.1% | +354% |
| 107 · Yonkers, NY area | NY | +3.2% | +37.7% | +315% |
| 100 · New York, NY area | NY | +5.7% | +45.1% | +354% |
| 108 · New Rochelle, NY area | NY | +5.7% | +45.1% | +354% |
| 113 · New York, NY area | NY | +8.0% | +25.1% | +445% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 453.01 |
| Q1 2026 | 455.27 |
| Q4 2025 | 440.14 |
| Q3 2025 | 458.30 |
| Q2 2025 | 427.64 |
| Q1 2025 | 425.97 |
| Q4 2024 | 428.71 |
| Q3 2024 | 432.65 |
| Q2 2024 | 410.16 |
| Q1 2024 | 399.13 |
| Q4 2023 | 410.23 |
| Q3 2023 | 407.26 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 104?
- Based on FHFA HPI® data for 3-digit ZIP region 104, the regional index changed +5.9% over the year to Q2 2026, +29.5% over five years, +72.0% over ten years, and +353% since Q1 1995.
- Is ZIP3 104 appreciating faster than New York and the U.S.?
- Over the past year the region's index +5.9% compares with +5.3% for New York and +3.0% for the U.S., a gap of +2.9 pts versus the nation. Over five years the gap versus the nation is −11.8 pts.
- Which ZIP codes are in 3-digit ZIP region 104?
- All ZIP codes that begin with 104. Census 2010 ZIP Code Tabulation Areas in this region run from 10451 to 10475 (25 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.