3-digit ZIP regional index
Home appreciation in ZIP codes 164xxCorry, PA area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 164 changed +8.0% over the year to Q2 2026, compared with +4.7% for Pennsylvania and +3.0% for the United States.
The region covers ZIP codes 16401–16444. Most of its 2010 population lived in Erie County (71%), Crawford County (25%). Communities in the region include Edinboro, North East, Union City, Girard, Lake City. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +8.0%
- 5-year change
- +58.6%
- Since Q1 1995
- +206%
- National rank (1 year)
- 46th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 164 vs Pennsylvania and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 164: 305.6
- Pennsylvania: 355.6
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 164 | PA | U.S. | Gap vs PA | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +8.0% | +4.7% | +3.0% | +3.3 pts | +5.0 pts |
| 3 years | +26.3% | +18.1% | +12.9% | +8.3 pts | +13.5 pts |
| 5 years | +58.6% | +44.2% | +41.3% | +14.4 pts | +17.3 pts |
| 10 years | +91.2% | +86.9% | +93.3% | +4.3 pts | −2.1 pts |
| Since Q1 1995 | +206% | +256% | +292% | −50.0 pts | −85.9 pts |
If you bought in ZIP3 164 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 | +209% | $927,400 |
| Q2 2000 | +167% | $802,345 |
| Q2 2005 | +121% | $663,377 |
| Q2 2010 | +108% | $625,244 |
| Q2 2015 | +97.5% | $592,402 |
| Q2 2020 | +74.7% | $524,194 |
| Q2 2021 | +58.6% | $475,902 |
| Q2 2023 | +26.3% | $379,002 |
| Q2 2025 | +8.0% | $324,011 |
How ZIP3 164 ranks
Over the past year ZIP3 164 ranks 46th of 882 3-digit ZIP regions nationally and 4th of 46 in Pennsylvania. Its one-year change is +5.0 pts versus the nation and +3.3 pts versus Pennsylvania. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Pennsylvania |
|---|---|---|
| 1 year | 46th of 882 | 4th of 46 |
| 3 years | 20th of 882 | 1st of 46 |
| 5 years | 62nd of 882 | 4th of 46 |
| 10 years | 440th of 882 | 14th of 46 |
| Since Q1 1995 | 755th of 879 | 42nd of 46 |
Boom, bust, and recovery in ZIP3 164
ZIP3 164's index peaked in Q2 2009, fell 1.8% to its low in Q3 2011, and regained its peak in Q4 2011, about 2.5 years after the top. Today it sits +105% 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 164 | Q2 2009 | Q3 2011 | -1.8% | Q4 2011 (2.5 yrs) | +105% |
| PA | Q1 2008 | Q2 2012 | -9.4% | Q2 2017 (9.2 yrs) | +83.0% |
| Metro | Q2 2009 | Q3 2011 | -1.8% | Q4 2011 (2.5 yrs) | +105% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 164's index has changed +38.0% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 164 after inflation | PA after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +4.0% | +0.8% | +4.0% | -0.8% |
| 3 years | +9.8% | +15.1% | +7.5% | +15.1% | +2.8% |
| 5 years | +24.0% | +27.9% | +16.3% | +27.9% | +13.9% |
| 10 years | +39.1% | +37.5% | +34.4% | +37.5% | +39.0% |
| Since Q1 1995 | +121% | +38.0% | +60.6% | +38.0% | +76.8% |
Estimate appreciation for a home in ZIP3 164
Regional estimate
$573,649
- Estimated gain
- $273,649
- Index change
- +91.22%
- Start index
- 159.84
- End index
- 305.64
ZIP3 164 (Corry, PA 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 |
|---|---|---|---|---|
| 165 · Erie, PA area | PA | +6.7% | +62.6% | +203% |
| 163 · Meadville, PA area | PA | +5.7% | +50.5% | +248% |
| 161 · New Castle, PA area | PA | +5.6% | +47.3% | +258% |
| 147 · Jamestown, NY area | NY | +6.7% | +52.3% | +253% |
| 444 · Warren, OH area | OH | +5.4% | +51.3% | +194% |
| 445 · Youngstown, OH area | OH | +4.4% | +58.8% | +181% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 305.64 |
| Q1 2026 | 289.46 |
| Q4 2025 | 291.61 |
| Q3 2025 | 290.39 |
| Q2 2025 | 282.99 |
| Q1 2025 | 269.28 |
| Q4 2024 | 264.46 |
| Q3 2024 | 271.28 |
| Q2 2024 | 262.35 |
| Q1 2024 | 249.47 |
| Q4 2023 | 247.23 |
| Q3 2023 | 252.96 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 164?
- Based on FHFA HPI® data for 3-digit ZIP region 164, the regional index changed +8.0% over the year to Q2 2026, +58.6% over five years, +91.2% over ten years, and +206% since Q1 1995.
- Is ZIP3 164 appreciating faster than Pennsylvania and the U.S.?
- Over the past year the region's index +8.0% compares with +4.7% for Pennsylvania and +3.0% for the U.S., a gap of +5.0 pts versus the nation. Over five years the gap versus the nation is +17.3 pts.
- Which ZIP codes are in 3-digit ZIP region 164?
- All ZIP codes that begin with 164. Census 2010 ZIP Code Tabulation Areas in this region run from 16401 to 16444 (31 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.