3-digit ZIP regional index
Home appreciation in ZIP codes 199xxDover, DE area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 199 changed +3.7% over the year to Q2 2026, compared with +4.0% for Delaware and +3.0% for the United States.
The region covers ZIP codes 19901–19979. Most of its 2010 population lived in Sussex County (54%), Kent County (45%). Communities in the region include Smyrna, Milford, Seaford, Georgetown, Millsboro. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +3.7%
- 5-year change
- +43.6%
- Since Q1 1995
- +281%
- National rank (1 year)
- 434th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 199 vs Delaware and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 199: 380.6
- Delaware: 344.5
- Dover, DE metro: 315.6
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 199 | DE | U.S. | Gap vs DE | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +3.7% | +4.0% | +3.0% | −0.3 pts | +0.7 pts |
| 3 years | +19.4% | +16.6% | +12.9% | +2.7 pts | +6.5 pts |
| 5 years | +43.6% | +43.8% | +41.3% | −0.2 pts | +2.3 pts |
| 10 years | +86.9% | +81.6% | +93.3% | +5.3 pts | −6.5 pts |
| Since Q1 1995 | +281% | +245% | +292% | +36.1 pts | −11.0 pts |
If you bought in ZIP3 199 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 | +280% | $1,140,402 |
| Q2 2000 | +212% | $936,875 |
| Q2 2005 | +82.1% | $546,432 |
| Q2 2010 | +84.0% | $552,006 |
| Q2 2015 | +95.4% | $586,335 |
| Q2 2020 | +62.5% | $487,478 |
| Q2 2021 | +43.6% | $430,857 |
| Q2 2023 | +19.3% | $358,045 |
| Q2 2025 | +3.7% | $311,151 |
How ZIP3 199 ranks
Over the past year ZIP3 199 ranks 434th of 882 3-digit ZIP regions nationally and 3rd of 3 in Delaware. Its one-year change is +0.7 pts versus the nation and −0.3 pts versus Delaware. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Delaware |
|---|---|---|
| 1 year | 434th of 882 | 3rd of 3 |
| 3 years | 220th of 882 | 1st of 3 |
| 5 years | 471st of 882 | 2nd of 3 |
| 10 years | 507th of 882 | 1st of 3 |
| Since Q1 1995 | 373rd of 879 | 1st of 3 |
Boom, bust, and recovery in ZIP3 199
ZIP3 199's index peaked in Q2 2007, fell 22.7% to its low in Q2 2013, and regained its peak in Q1 2021, about 13.8 years after the top. Today it sits +55.7% 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 199 | Q2 2007 | Q2 2013 | -22.7% | Q1 2021 (13.8 yrs) | +55.7% |
| DE | Q2 2007 | Q2 2012 | -20.4% | Q4 2020 (13.5 yrs) | +56.3% |
| Metro | Q1 2007 | Q2 2012 | -23.1% | Q1 2021 (14 yrs) | +50.2% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 199's index has changed +71.9% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 199 after inflation | DE after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -0.1% | +0.1% | -0.2% | -0.8% |
| 3 years | +9.8% | +8.7% | +6.2% | +2.9% | +2.8% |
| 5 years | +24.0% | +15.8% | +15.9% | +12.3% | +13.9% |
| 10 years | +39.1% | +34.4% | +30.6% | +25.6% | +39.0% |
| Since Q1 1995 | +121% | +71.9% | +55.6% | +42.5% | +76.8% |
Estimate appreciation for a home in ZIP3 199
Regional estimate
$560,571
- Estimated gain
- $260,571
- Index change
- +86.86%
- Start index
- 203.68
- End index
- 380.59
ZIP3 199 (Dover, DE 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 |
|---|---|---|---|---|
| 216 · Easton, MD area | MD | +2.8% | +42.1% | +275% |
| 218 · Salisbury, MD area | MD | +5.0% | +50.6% | +268% |
| 083 · Vineland, NJ area | NJ | +8.0% | +64.5% | +253% |
| 082 · Pleasantville, NJ area | NJ | +6.6% | +70.2% | +387% |
| 197 · Newark, DE area | DE | +4.0% | +43.6% | +238% |
| 214 · Annapolis, MD area | MD | +7.4% | +46.0% | +354% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 380.59 |
| Q1 2026 | 378.85 |
| Q4 2025 | 387.08 |
| Q3 2025 | 373.96 |
| Q2 2025 | 366.95 |
| Q1 2025 | 363.98 |
| Q4 2024 | 354.34 |
| Q3 2024 | 357.99 |
| Q2 2024 | 350.84 |
| Q1 2024 | 351.52 |
| Q4 2023 | 337.90 |
| Q3 2023 | 338.98 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 199?
- Based on FHFA HPI® data for 3-digit ZIP region 199, the regional index changed +3.7% over the year to Q2 2026, +43.6% over five years, +86.9% over ten years, and +281% since Q1 1995.
- Is ZIP3 199 appreciating faster than Delaware and the U.S.?
- Over the past year the region's index +3.7% compares with +4.0% for Delaware and +3.0% for the U.S., a gap of +0.7 pts versus the nation. Over five years the gap versus the nation is +2.3 pts.
- Which ZIP codes are in 3-digit ZIP region 199?
- All ZIP codes that begin with 199. Census 2010 ZIP Code Tabulation Areas in this region run from 19901 to 19979 (38 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.