3-digit ZIP regional index
Home appreciation in ZIP codes 108xxNew Rochelle, NY area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 108 changed +5.7% 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 10801–10805. Most of its 2010 population lived in Westchester County (100%). Communities in the region include Pelham, Pelham Manor. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +5.7%
- 5-year change
- +45.1%
- Since Q1 1995
- +354%
- National rank (1 year)
- 166th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 108 vs New York and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 108: 454.2
- New York: 433.4
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 108 | NY | U.S. | Gap vs NY | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +5.7% | +5.3% | +3.0% | +0.4 pts | +2.7 pts |
| 3 years | +22.7% | +22.4% | +12.9% | +0.3 pts | +9.9 pts |
| 5 years | +45.1% | +49.9% | +41.3% | −4.8 pts | +3.8 pts |
| 10 years | +81.4% | +96.6% | +93.3% | −15.2 pts | −11.9 pts |
| Since Q1 1995 | +354% | +333% | +292% | +20.8 pts | +62.6 pts |
If you bought in ZIP3 108 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 | +347% | $1,342,080 |
| Q2 2000 | +240% | $1,019,897 |
| Q2 2005 | +88.1% | $564,291 |
| Q2 2010 | +96.8% | $590,329 |
| Q2 2015 | +89.3% | $567,889 |
| Q2 2020 | +56.3% | $468,770 |
| Q2 2021 | +45.1% | $435,172 |
| Q2 2023 | +22.7% | $368,128 |
| Q2 2025 | +5.7% | $317,166 |
How ZIP3 108 ranks
Over the past year ZIP3 108 ranks 166th of 882 3-digit ZIP regions nationally and 25th of 49 in New York. Its one-year change is +2.7 pts versus the nation and +0.4 pts versus New York. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in New York |
|---|---|---|
| 1 year | 166th of 882 | 25th of 49 |
| 3 years | 111th of 882 | 21st of 49 |
| 5 years | 430th of 882 | 36th of 49 |
| 10 years | 591st of 882 | 36th of 49 |
| Since Q1 1995 | 159th of 879 | 14th of 49 |
Boom, bust, and recovery in ZIP3 108
ZIP3 108's index peaked in Q1 2007, fell 18.2% to its low in Q2 2012, and regained its peak in Q1 2018, about 11 years after the top. Today it sits +67.6% 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 108 | Q1 2007 | Q2 2012 | -18.2% | Q1 2018 (11 yrs) | +67.6% |
| 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 108's index has changed +105% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 108 after inflation | NY after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +1.8% | +1.4% | +1.8% | -0.8% |
| 3 years | +9.8% | +11.8% | +11.5% | +11.8% | +2.8% |
| 5 years | +24.0% | +16.9% | +20.8% | +16.9% | +13.9% |
| 10 years | +39.1% | +30.4% | +41.4% | +30.4% | +39.0% |
| Since Q1 1995 | +121% | +105% | +95.8% | +105% | +76.8% |
Estimate appreciation for a home in ZIP3 108
Regional estimate
$544,187
- Estimated gain
- $244,187
- Index change
- +81.40%
- Start index
- 250.37
- End index
- 454.16
ZIP3 108 (New Rochelle, NY 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 |
|---|---|---|---|---|
| 107 · Yonkers, NY area | NY | +3.2% | +37.7% | +315% |
| 104 · New York, NY area | NY | +5.9% | +29.5% | +353% |
| 106 · White Plains, NY area | NY | +5.7% | +45.1% | +354% |
| 076 · Hackensack, NJ area | NJ | +6.2% | +55.1% | +329% |
| 113 · New York, NY area | NY | +8.0% | +25.1% | +445% |
| 110 · New York, NY area | NY | +6.2% | +38.0% | +378% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 454.16 |
| Q1 2026 | 441.94 |
| Q4 2025 | 436.06 |
| Q3 2025 | 433.75 |
| Q2 2025 | 429.58 |
| Q1 2025 | 417.65 |
| Q4 2024 | 411.16 |
| Q3 2024 | 406.14 |
| Q2 2024 | 400.55 |
| Q1 2024 | 386.16 |
| Q4 2023 | 380.88 |
| Q3 2023 | 375.76 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 108?
- Based on FHFA HPI® data for 3-digit ZIP region 108, the regional index changed +5.7% over the year to Q2 2026, +45.1% over five years, +81.4% over ten years, and +354% since Q1 1995.
- Is ZIP3 108 appreciating faster than New York and the U.S.?
- Over the past year the region's index +5.7% compares with +5.3% for New York and +3.0% for the U.S., a gap of +2.7 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 108?
- All ZIP codes that begin with 108. Census 2010 ZIP Code Tabulation Areas in this region run from 10801 to 10805 (4 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.