3-digit ZIP regional index
Home appreciation in ZIP codes 130xxAuburn, NY area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 130 changed +6.9% 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 13020–13092. Most of its 2010 population lived in Onondaga County (49%), Cayuga County (14%), Oswego County (12%). Communities in the region include Cortland, Fulton, Baldwinsville, Chittenango, Canastota. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +6.9%
- 5-year change
- +62.1%
- Since Q1 1995
- +241%
- National rank (1 year)
- 80th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 130 vs New York and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 130: 341.3
- New York: 433.4
- Syracuse, NY metro: 344.6
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 130 | NY | U.S. | Gap vs NY | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +6.9% | +5.3% | +3.0% | +1.6 pts | +3.8 pts |
| 3 years | +26.2% | +22.4% | +12.9% | +3.8 pts | +13.4 pts |
| 5 years | +62.1% | +49.9% | +41.3% | +12.2 pts | +20.8 pts |
| 10 years | +109% | +96.6% | +93.3% | +12.2 pts | +15.4 pts |
| Since Q1 1995 | +241% | +333% | +292% | −92.1 pts | −50.2 pts |
If you bought in ZIP3 130 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 | +241% | $1,024,122 |
| Q2 2000 | +223% | $968,798 |
| Q2 2005 | +134% | $702,972 |
| Q2 2010 | +114% | $642,180 |
| Q2 2015 | +112% | $635,012 |
| Q2 2020 | +79.9% | $539,725 |
| Q2 2021 | +62.1% | $486,332 |
| Q2 2023 | +26.2% | $378,636 |
| Q2 2025 | +6.9% | $320,617 |
How ZIP3 130 ranks
Over the past year ZIP3 130 ranks 80th of 882 3-digit ZIP regions nationally and 11th of 49 in New York. Its one-year change is +3.8 pts versus the nation and +1.6 pts versus New York. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in New York |
|---|---|---|
| 1 year | 80th of 882 | 11th of 49 |
| 3 years | 21st of 882 | 5th of 49 |
| 5 years | 30th of 882 | 4th of 49 |
| 10 years | 207th of 882 | 12th of 49 |
| Since Q1 1995 | 558th of 879 | 37th of 49 |
Boom, bust, and recovery in ZIP3 130
ZIP3 130's index peaked in Q1 2008, fell 3.7% to its low in Q3 2012, and regained its peak in Q3 2015, about 7.5 years after the top. Today it sits +111% 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 130 | Q1 2008 | Q3 2012 | -3.7% | Q3 2015 (7.5 yrs) | +111% |
| NY | Q1 2007 | Q2 2012 | -14.0% | Q3 2017 (10.5 yrs) | +85.2% |
| Metro | Q1 2009 | Q1 2014 | -3.7% | Q2 2015 (6.2 yrs) | +116% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 130's index has changed +54.2% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 130 after inflation | NY after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +2.9% | +1.4% | +2.2% | -0.8% |
| 3 years | +9.8% | +14.9% | +11.5% | +16.1% | +2.8% |
| 5 years | +24.0% | +30.7% | +20.8% | +32.3% | +13.9% |
| 10 years | +39.1% | +50.1% | +41.4% | +54.3% | +39.0% |
| Since Q1 1995 | +121% | +54.2% | +95.8% | +55.6% | +76.8% |
Estimate appreciation for a home in ZIP3 130
Regional estimate
$626,312
- Estimated gain
- $326,312
- Index change
- +109%
- Start index
- 163.50
- End index
- 341.34
ZIP3 130 (Auburn, 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 |
|---|---|---|---|---|
| 132 · Syracuse, NY area | NY | +5.8% | +64.2% | +239% |
| 131 · Oswego, NY area | NY | +4.4% | +57.5% | +241% |
| 134 · Rome, NY area | NY | +8.8% | +58.0% | +256% |
| 133 · Ilion, NY area | NY | +8.8% | +58.0% | +256% |
| 135 · Utica, NY area | NY | +8.8% | +58.0% | +256% |
| 138 · Oneonta, NY area | NY | +1.8% | +50.9% | +205% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 341.34 |
| Q1 2026 | 337.92 |
| Q4 2025 | 333.32 |
| Q3 2025 | 334.20 |
| Q2 2025 | 319.39 |
| Q1 2025 | 308.75 |
| Q4 2024 | 308.72 |
| Q3 2024 | 305.97 |
| Q2 2024 | 302.72 |
| Q1 2024 | 282.78 |
| Q4 2023 | 283.13 |
| Q3 2023 | 279.36 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 130?
- Based on FHFA HPI® data for 3-digit ZIP region 130, the regional index changed +6.9% over the year to Q2 2026, +62.1% over five years, +109% over ten years, and +241% since Q1 1995.
- Is ZIP3 130 appreciating faster than New York and the U.S.?
- Over the past year the region's index +6.9% 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 +20.8 pts.
- Which ZIP codes are in 3-digit ZIP region 130?
- All ZIP codes that begin with 130. Census 2010 ZIP Code Tabulation Areas in this region run from 13020 to 13092 (50 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.