3-digit ZIP regional index
Home appreciation in ZIP codes 125xxNewburgh, NY area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 125 changed +6.8% 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 12501–12594. Most of its 2010 population lived in Dutchess County (47%), Orange County (28%), Ulster County (15%). Communities in the region include Beacon, New Windsor, Orange Lake, Walden, New Paltz. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +6.8%
- 5-year change
- +50.9%
- Since Q1 1995
- +307%
- National rank (1 year)
- 83rd
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 125 vs New York and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 125: 406.7
- New York: 433.4
- Kiryas Joel-Poughkeepsie-Newburgh, NY metro: 387.2
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 125 | NY | U.S. | Gap vs NY | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +6.8% | +5.3% | +3.0% | +1.5 pts | +3.8 pts |
| 3 years | +22.6% | +22.4% | +12.9% | +0.2 pts | +9.8 pts |
| 5 years | +50.9% | +49.9% | +41.3% | +1.0 pts | +9.6 pts |
| 10 years | +111% | +96.6% | +93.3% | +14.0 pts | +17.3 pts |
| Since Q1 1995 | +307% | +333% | +292% | −26.7 pts | +15.1 pts |
If you bought in ZIP3 125 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 | +301% | $1,202,543 |
| Q2 2000 | +228% | $983,000 |
| Q2 2005 | +73.6% | $520,832 |
| Q2 2010 | +96.5% | $589,534 |
| Q2 2015 | +108% | $625,243 |
| Q2 2020 | +75.5% | $526,518 |
| Q2 2021 | +50.9% | $452,576 |
| Q2 2023 | +22.6% | $367,877 |
| Q2 2025 | +6.8% | $320,362 |
How ZIP3 125 ranks
Over the past year ZIP3 125 ranks 83rd of 882 3-digit ZIP regions nationally and 12th of 49 in New York. Its one-year change is +3.8 pts versus the nation and +1.5 pts versus New York. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in New York |
|---|---|---|
| 1 year | 83rd of 882 | 12th of 49 |
| 3 years | 116th of 882 | 24th of 49 |
| 5 years | 224th of 882 | 22nd of 49 |
| 10 years | 177th of 882 | 8th of 49 |
| Since Q1 1995 | 282nd of 879 | 19th of 49 |
Boom, bust, and recovery in ZIP3 125
ZIP3 125's index peaked in Q3 2006, fell 26.1% to its low in Q2 2014, and regained its peak in Q1 2021, about 14.5 years after the top. Today it sits +59.9% 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 125 | Q3 2006 | Q2 2014 | -26.1% | Q1 2021 (14.5 yrs) | +59.9% |
| NY | Q1 2007 | Q2 2012 | -14.0% | Q3 2017 (10.5 yrs) | +85.2% |
| Metro | Q4 2006 | Q4 2013 | -28.2% | Q2 2021 (14.5 yrs) | +54.3% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 125's index has changed +83.7% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 125 after inflation | NY after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +2.8% | +1.4% | -0.5% | -0.8% |
| 3 years | +9.8% | +11.7% | +11.5% | +9.2% | +2.8% |
| 5 years | +24.0% | +21.6% | +20.8% | +20.4% | +13.9% |
| 10 years | +39.1% | +51.4% | +41.4% | +51.5% | +39.0% |
| Since Q1 1995 | +121% | +83.7% | +95.8% | +74.9% | +76.8% |
Estimate appreciation for a home in ZIP3 125
Regional estimate
$631,882
- Estimated gain
- $331,882
- Index change
- +111%
- Start index
- 193.09
- End index
- 406.70
ZIP3 125 (Newburgh, 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 |
|---|---|---|---|---|
| 126 · Poughkeepsie, NY area | NY | +4.1% | +46.0% | +291% |
| 124 · Kingston, NY area | NY | +5.0% | +48.9% | +422% |
| 109 · Spring Valley, NY area | NY | +2.8% | +53.6% | +302% |
| 105 · Mount Vernon, NY area | NY | +7.3% | +45.1% | +283% |
| 127 · Port Jervis, NY area | NY | +6.7% | +52.3% | +253% |
| 068 · Norwalk, CT area | CT | +5.7% | +53.1% | +263% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 406.70 |
| Q1 2026 | 395.05 |
| Q4 2025 | 391.00 |
| Q3 2025 | 389.89 |
| Q2 2025 | 380.85 |
| Q1 2025 | 374.79 |
| Q4 2024 | 368.62 |
| Q3 2024 | 363.57 |
| Q2 2024 | 360.08 |
| Q1 2024 | 346.01 |
| Q4 2023 | 346.57 |
| Q3 2023 | 341.56 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 125?
- Based on FHFA HPI® data for 3-digit ZIP region 125, the regional index changed +6.8% over the year to Q2 2026, +50.9% over five years, +111% over ten years, and +307% since Q1 1995.
- Is ZIP3 125 appreciating faster than New York and the U.S.?
- Over the past year the region's index +6.8% compares with +5.3% for New York and +3.0% for the U.S., a gap of +3.8 pts versus the nation. Over five years the gap versus the nation is +9.6 pts.
- Which ZIP codes are in 3-digit ZIP region 125?
- All ZIP codes that begin with 125. Census 2010 ZIP Code Tabulation Areas in this region run from 12501 to 12594 (62 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.