3-digit ZIP regional index
Home appreciation in ZIP codes 105xxMount Vernon, NY area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 105 changed +7.3% 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 10501–10598. Most of its 2010 population lived in Westchester County (86%), Putnam County (14%). Communities in the region include Port Chester, Ossining, Peekskill, Harrison, Mamaroneck. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +7.3%
- 5-year change
- +45.1%
- Since Q1 1995
- +283%
- National rank (1 year)
- 68th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 105 vs New York and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 105: 382.9
- 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 105 | NY | U.S. | Gap vs NY | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +7.3% | +5.3% | +3.0% | +2.0 pts | +4.3 pts |
| 3 years | +24.8% | +22.4% | +12.9% | +2.4 pts | +12.0 pts |
| 5 years | +45.1% | +49.9% | +41.3% | −4.8 pts | +3.8 pts |
| 10 years | +76.8% | +96.6% | +93.3% | −19.8 pts | −16.5 pts |
| Since Q1 1995 | +283% | +333% | +292% | −50.5 pts | −8.7 pts |
If you bought in ZIP3 105 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% | $1,121,770 |
| Q2 2000 | +184% | $850,989 |
| Q2 2005 | +61.9% | $485,575 |
| Q2 2010 | +81.0% | $542,884 |
| Q2 2015 | +81.3% | $543,887 |
| Q2 2020 | +58.4% | $475,071 |
| Q2 2021 | +45.1% | $435,349 |
| Q2 2023 | +24.8% | $374,508 |
| Q2 2025 | +7.3% | $322,029 |
How ZIP3 105 ranks
Over the past year ZIP3 105 ranks 68th of 882 3-digit ZIP regions nationally and 9th of 49 in New York. Its one-year change is +4.3 pts versus the nation and +2.0 pts versus New York. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in New York |
|---|---|---|
| 1 year | 68th of 882 | 9th of 49 |
| 3 years | 45th of 882 | 9th of 49 |
| 5 years | 421st of 882 | 32nd of 49 |
| 10 years | 638th of 882 | 41st of 49 |
| Since Q1 1995 | 363rd of 879 | 23rd of 49 |
Boom, bust, and recovery in ZIP3 105
ZIP3 105's index peaked in Q1 2006, fell 21.1% to its low in Q4 2013, and regained its peak in Q1 2021, about 15 years after the top. Today it sits +50.7% 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 105 | Q1 2006 | Q4 2013 | -21.1% | Q1 2021 (15 yrs) | +50.7% |
| 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 105's index has changed +72.9% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 105 after inflation | NY after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +3.4% | +1.4% | +1.8% | -0.8% |
| 3 years | +9.8% | +13.7% | +11.5% | +11.8% | +2.8% |
| 5 years | +24.0% | +17.0% | +20.8% | +16.9% | +13.9% |
| 10 years | +39.1% | +27.1% | +41.4% | +30.4% | +39.0% |
| Since Q1 1995 | +121% | +72.9% | +95.8% | +105% | +76.8% |
Estimate appreciation for a home in ZIP3 105
Regional estimate
$530,350
- Estimated gain
- $230,350
- Index change
- +76.78%
- Start index
- 216.57
- End index
- 382.86
ZIP3 105 (Mount Vernon, 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 |
|---|---|---|---|---|
| 106 · White Plains, NY area | NY | +5.7% | +45.1% | +354% |
| 069 · Stamford, CT area | CT | +4.8% | +46.7% | +260% |
| 107 · Yonkers, NY area | NY | +3.2% | +37.7% | +315% |
| 108 · New Rochelle, NY area | NY | +5.7% | +45.1% | +354% |
| 068 · Norwalk, CT area | CT | +5.7% | +53.1% | +263% |
| 109 · Spring Valley, NY area | NY | +2.8% | +53.6% | +302% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 382.86 |
| Q1 2026 | 371.66 |
| Q4 2025 | 367.22 |
| Q3 2025 | 364.38 |
| Q2 2025 | 356.67 |
| Q1 2025 | 352.58 |
| Q4 2024 | 343.78 |
| Q3 2024 | 343.40 |
| Q2 2024 | 338.33 |
| Q1 2024 | 327.98 |
| Q4 2023 | 319.99 |
| Q3 2023 | 316.22 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 105?
- Based on FHFA HPI® data for 3-digit ZIP region 105, the regional index changed +7.3% over the year to Q2 2026, +45.1% over five years, +76.8% over ten years, and +283% since Q1 1995.
- Is ZIP3 105 appreciating faster than New York and the U.S.?
- Over the past year the region's index +7.3% compares with +5.3% for New York and +3.0% for the U.S., a gap of +4.3 pts versus the nation. Over five years the gap versus the nation is +3.8 pts.
- Which ZIP codes are in 3-digit ZIP region 105?
- All ZIP codes that begin with 105. Census 2010 ZIP Code Tabulation Areas in this region run from 10501 to 10598 (61 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.