3-digit ZIP regional index
Home appreciation in ZIP codes 193xxWest Chester, PA area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 193 changed +2.6% over the year to Q2 2026, compared with +4.7% for Pennsylvania and +3.0% for the United States.
The region covers ZIP codes 19301–19390. Most of its 2010 population lived in Chester County (93%), Delaware County (7%). Communities in the region include Coatesville, Downingtown, Lionville, Kennett Square, Paoli. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +2.6%
- 5-year change
- +45.8%
- Since Q1 1995
- +262%
- National rank (1 year)
- 606th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 193 vs Pennsylvania and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 193: 362.3
- Pennsylvania: 355.6
- Montgomery County-Bucks County-Chester County, PA metro: 370.4
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 193 | PA | U.S. | Gap vs PA | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +2.6% | +4.7% | +3.0% | −2.1 pts | −0.4 pts |
| 3 years | +15.7% | +18.1% | +12.9% | −2.3 pts | +2.9 pts |
| 5 years | +45.8% | +44.2% | +41.3% | +1.6 pts | +4.5 pts |
| 10 years | +81.1% | +86.9% | +93.3% | −5.8 pts | −12.2 pts |
| Since Q1 1995 | +262% | +256% | +292% | +6.7 pts | −29.3 pts |
If you bought in ZIP3 193 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 | +258% | $1,074,407 |
| Q2 2000 | +204% | $911,727 |
| Q2 2005 | +96.1% | $588,197 |
| Q2 2010 | +91.8% | $575,277 |
| Q2 2015 | +85.5% | $556,428 |
| Q2 2020 | +59.4% | $478,060 |
| Q2 2021 | +45.8% | $437,460 |
| Q2 2023 | +15.7% | $347,154 |
| Q2 2025 | +2.6% | $307,730 |
How ZIP3 193 ranks
Over the past year ZIP3 193 ranks 606th of 882 3-digit ZIP regions nationally and 44th of 46 in Pennsylvania. Its one-year change is −0.4 pts versus the nation and −2.1 pts versus Pennsylvania. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Pennsylvania |
|---|---|---|
| 1 year | 606th of 882 | 44th of 46 |
| 3 years | 417th of 882 | 38th of 46 |
| 5 years | 391st of 882 | 31st of 46 |
| 10 years | 595th of 882 | 33rd of 46 |
| Since Q1 1995 | 436th of 879 | 7th of 46 |
Boom, bust, and recovery in ZIP3 193
ZIP3 193's index peaked in Q2 2007, fell 11.7% to its low in Q2 2012, and regained its peak in Q2 2017, about 10 years after the top. Today it sits +76.5% 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 193 | Q2 2007 | Q2 2012 | -11.7% | Q2 2017 (10 yrs) | +76.5% |
| PA | Q1 2008 | Q2 2012 | -9.4% | Q2 2017 (9.2 yrs) | +83.0% |
| Metro | Q1 2007 | Q2 2012 | -12.4% | Q2 2018 (11.2 yrs) | +75.2% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 193's index has changed +63.6% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 193 after inflation | PA after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -1.2% | +0.8% | +0.2% | -0.8% |
| 3 years | +9.8% | +5.4% | +7.5% | +7.2% | +2.8% |
| 5 years | +24.0% | +17.6% | +16.3% | +17.8% | +13.9% |
| 10 years | +39.1% | +30.2% | +34.4% | +33.3% | +39.0% |
| Since Q1 1995 | +121% | +63.6% | +60.6% | +67.3% | +76.8% |
Estimate appreciation for a home in ZIP3 193
Regional estimate
$543,408
- Estimated gain
- $243,408
- Index change
- +81.14%
- Start index
- 200.01
- End index
- 362.29
ZIP3 193 (West Chester, PA 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 |
|---|---|---|---|---|
| 198 · Wilmington, DE area | DE | +3.8% | +44.5% | +235% |
| 197 · Newark, DE area | DE | +4.0% | +43.6% | +238% |
| 194 · Norristown, PA area | PA | +5.3% | +47.5% | +265% |
| 219 · Elkton, MD area | MD | +5.0% | +50.1% | +242% |
| 190 · Chester, PA area | PA | +3.7% | +45.6% | +276% |
| 196 · Reading, PA area | PA | +4.9% | +56.8% | +230% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 362.29 |
| Q1 2026 | 366.08 |
| Q4 2025 | 356.37 |
| Q3 2025 | 357.09 |
| Q2 2025 | 353.19 |
| Q1 2025 | 342.27 |
| Q4 2024 | 333.09 |
| Q3 2024 | 336.55 |
| Q2 2024 | 335.45 |
| Q1 2024 | 322.28 |
| Q4 2023 | 317.85 |
| Q3 2023 | 319.00 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 193?
- Based on FHFA HPI® data for 3-digit ZIP region 193, the regional index changed +2.6% over the year to Q2 2026, +45.8% over five years, +81.1% over ten years, and +262% since Q1 1995.
- Is ZIP3 193 appreciating faster than Pennsylvania and the U.S.?
- Over the past year the region's index +2.6% compares with +4.7% for Pennsylvania and +3.0% for the U.S., a gap of −0.4 pts versus the nation. Over five years the gap versus the nation is +4.5 pts.
- Which ZIP codes are in 3-digit ZIP region 193?
- All ZIP codes that begin with 193. Census 2010 ZIP Code Tabulation Areas in this region run from 19301 to 19390 (33 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.