3-digit ZIP regional index
Home appreciation in ZIP codes 186xxBerwick, PA area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 186 changed +7.5% over the year to Q2 2026, compared with +4.7% for Pennsylvania and +3.0% for the United States.
The region covers ZIP codes 18602–18661. Most of its 2010 population lived in Luzerne County (70%), Wyoming County (12%), Columbia County (10%). Communities in the region include Nanticoke, Pittston, Plymouth, Exeter, Duryea. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +7.5%
- 5-year change
- +56.7%
- Since Q1 1995
- +225%
- National rank (1 year)
- 62nd
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 186 vs Pennsylvania and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 186: 325.1
- 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 186 | PA | U.S. | Gap vs PA | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +7.5% | +4.7% | +3.0% | +2.9 pts | +4.5 pts |
| 3 years | +25.4% | +18.1% | +12.9% | +7.3 pts | +12.5 pts |
| 5 years | +56.7% | +44.2% | +41.3% | +12.5 pts | +15.4 pts |
| 10 years | +97.0% | +86.9% | +93.3% | +10.0 pts | +3.6 pts |
| Since Q1 1995 | +225% | +256% | +292% | −30.5 pts | −66.5 pts |
If you bought in ZIP3 186 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 | +216% | $947,692 |
| Q2 2000 | +183% | $848,504 |
| Q2 2005 | +117% | $649,704 |
| Q2 2010 | +93.9% | $581,591 |
| Q2 2015 | +97.4% | $592,257 |
| Q2 2020 | +75.1% | $525,299 |
| Q2 2021 | +56.7% | $470,032 |
| Q2 2023 | +25.4% | $376,058 |
| Q2 2025 | +7.5% | $322,542 |
How ZIP3 186 ranks
Over the past year ZIP3 186 ranks 62nd of 882 3-digit ZIP regions nationally and 6th of 46 in Pennsylvania. Its one-year change is +4.5 pts versus the nation and +2.9 pts versus Pennsylvania. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Pennsylvania |
|---|---|---|
| 1 year | 62nd of 882 | 6th of 46 |
| 3 years | 35th of 882 | 7th of 46 |
| 5 years | 93rd of 882 | 8th of 46 |
| 10 years | 362nd of 882 | 10th of 46 |
| Since Q1 1995 | 648th of 879 | 31st of 46 |
Boom, bust, and recovery in ZIP3 186
ZIP3 186's index peaked in Q1 2009, fell 10.1% to its low in Q1 2014, and regained its peak in Q3 2019, about 10.5 years after the top. Today it sits +83.1% 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 186 | Q1 2009 | Q1 2014 | -10.1% | Q3 2019 (10.5 yrs) | +83.1% |
| PA | Q1 2008 | Q2 2012 | -9.4% | Q2 2017 (9.2 yrs) | +83.0% |
| Metro | Q1 2009 | Q1 2014 | -10.1% | Q3 2019 (10.5 yrs) | +83.1% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 186's index has changed +46.8% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 186 after inflation | PA after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +3.5% | +0.8% | +3.5% | -0.8% |
| 3 years | +9.8% | +14.2% | +7.5% | +14.2% | +2.8% |
| 5 years | +24.0% | +26.3% | +16.3% | +26.3% | +13.9% |
| 10 years | +39.1% | +41.6% | +34.4% | +41.6% | +39.0% |
| Since Q1 1995 | +121% | +46.8% | +60.6% | +46.8% | +76.8% |
Estimate appreciation for a home in ZIP3 186
Regional estimate
$590,894
- Estimated gain
- $290,894
- Index change
- +96.96%
- Start index
- 165.05
- End index
- 325.09
ZIP3 186 (Berwick, 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 |
|---|---|---|---|---|
| 187 · Wilkes-Barre, PA area | PA | +3.5% | +60.1% | +216% |
| 185 · Scranton, PA area | PA | +7.5% | +56.7% | +225% |
| 182 · Hazleton, PA area | PA | +5.0% | +53.5% | +243% |
| 184 · Carbondale, PA area | PA | +9.1% | +50.2% | +230% |
| 188 · Sayre, PA area | PA | +5.7% | +50.5% | +248% |
| 183 · East Stroudsburg, PA area | PA | +5.7% | +50.5% | +248% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 325.09 |
| Q1 2026 | 312.46 |
| Q4 2025 | 312.58 |
| Q3 2025 | 310.75 |
| Q2 2025 | 302.37 |
| Q1 2025 | 297.28 |
| Q4 2024 | 291.93 |
| Q3 2024 | 293.75 |
| Q2 2024 | 284.13 |
| Q1 2024 | 277.05 |
| Q4 2023 | 268.34 |
| Q3 2023 | 270.61 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 186?
- Based on FHFA HPI® data for 3-digit ZIP region 186, the regional index changed +7.5% over the year to Q2 2026, +56.7% over five years, +97.0% over ten years, and +225% since Q1 1995.
- Is ZIP3 186 appreciating faster than Pennsylvania and the U.S.?
- Over the past year the region's index +7.5% compares with +4.7% for Pennsylvania and +3.0% for the U.S., a gap of +4.5 pts versus the nation. Over five years the gap versus the nation is +15.4 pts.
- Which ZIP codes are in 3-digit ZIP region 186?
- All ZIP codes that begin with 186. Census 2010 ZIP Code Tabulation Areas in this region run from 18602 to 18661 (36 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.