3-digit ZIP regional index
Home appreciation in ZIP codes 209xxTakoma Park, MD area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 209 changed -0.7% over the year to Q2 2026, compared with +2.2% for Maryland and +3.0% for the United States.
The region covers ZIP codes 20901–20912. Most of its 2010 population lived in Montgomery County (97%). Communities in the region include Silver Spring, Wheaton, Aspen Hill, Fairland, White Oak. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- -0.7%
- 5-year change
- +23.1%
- Since Q1 1995
- +272%
- National rank (1 year)
- 848th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 209 vs Maryland and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 209: 372.2
- Maryland: 348.0
- Frederick-Gaithersburg-Bethesda, MD metro: 361.0
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 209 | MD | U.S. | Gap vs MD | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | -0.7% | +2.2% | +3.0% | −3.0 pts | −3.7 pts |
| 3 years | +6.4% | +11.2% | +12.9% | −4.9 pts | −6.5 pts |
| 5 years | +23.1% | +32.0% | +41.3% | −8.9 pts | −18.2 pts |
| 10 years | +52.8% | +63.8% | +93.3% | −11.0 pts | −40.5 pts |
| Since Q1 1995 | +272% | +248% | +292% | +24.2 pts | −19.4 pts |
If you bought in ZIP3 209 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 | +267% | $1,100,099 |
| Q2 2000 | +219% | $957,715 |
| Q2 2005 | +55.7% | $467,118 |
| Q2 2010 | +72.7% | $517,976 |
| Q2 2015 | +57.3% | $472,036 |
| Q2 2020 | +36.4% | $409,176 |
| Q2 2021 | +23.1% | $369,356 |
| Q2 2023 | +6.4% | $319,184 |
| Q2 2025 | -0.7% | $297,871 |
How ZIP3 209 ranks
Over the past year ZIP3 209 ranks 848th of 882 3-digit ZIP regions nationally and 13th of 13 in Maryland. Its one-year change is −3.7 pts versus the nation and −3.0 pts versus Maryland. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Maryland |
|---|---|---|
| 1 year | 848th of 882 | 13th of 13 |
| 3 years | 804th of 882 | 13th of 13 |
| 5 years | 844th of 882 | 13th of 13 |
| 10 years | 846th of 882 | 12th of 13 |
| Since Q1 1995 | 403rd of 879 | 4th of 13 |
Boom, bust, and recovery in ZIP3 209
ZIP3 209's index peaked in Q4 2006, fell 23.3% to its low in Q2 2011, and regained its peak in Q3 2020, about 13.8 years after the top. Today it sits +36.3% 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 209 | Q4 2006 | Q2 2011 | -23.3% | Q3 2020 (13.8 yrs) | +36.3% |
| MD | Q2 2007 | Q2 2012 | -25.3% | Q2 2021 (14 yrs) | +35.2% |
| Metro | Q4 2006 | Q2 2011 | -22.1% | Q1 2021 (14.2 yrs) | +37.3% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 209's index has changed +68.1% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 209 after inflation | MD after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -4.4% | -1.6% | -2.5% | -0.8% |
| 3 years | +9.8% | -3.1% | +1.3% | -0.5% | +2.8% |
| 5 years | +24.0% | -0.7% | +6.5% | +4.3% | +13.9% |
| 10 years | +39.1% | +9.9% | +17.8% | +12.6% | +39.0% |
| Since Q1 1995 | +121% | +68.1% | +57.2% | +63.1% | +76.8% |
Estimate appreciation for a home in ZIP3 209
Regional estimate
$458,393
- Estimated gain
- $158,393
- Index change
- +52.80%
- Start index
- 243.59
- End index
- 372.20
ZIP3 209 (Takoma Park, MD 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 |
|---|---|---|---|---|
| 208 · Rockville, MD area | MD | +1.8% | +29.4% | +263% |
| 200 · Washington, DC area | DC | -0.6% | +4.2% | +464% |
| 207 · Bowie, MD area | MD | -0.1% | +25.1% | +231% |
| 222 · Arlington, VA area | VA | -2.5% | +16.8% | +386% |
| 223 · Alexandria, VA area | VA | +2.7% | +26.2% | +340% |
| 220 · Fairfax, VA area | VA | +1.5% | +30.6% | +325% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 372.20 |
| Q1 2026 | 375.38 |
| Q4 2025 | 373.04 |
| Q3 2025 | 372.69 |
| Q2 2025 | 374.86 |
| Q1 2025 | 364.86 |
| Q4 2024 | 363.34 |
| Q3 2024 | 355.95 |
| Q2 2024 | 362.32 |
| Q1 2024 | 353.34 |
| Q4 2023 | 346.61 |
| Q3 2023 | 349.49 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 209?
- Based on FHFA HPI® data for 3-digit ZIP region 209, the regional index changed -0.7% over the year to Q2 2026, +23.1% over five years, +52.8% over ten years, and +272% since Q1 1995.
- Is ZIP3 209 appreciating faster than Maryland and the U.S.?
- Over the past year the region's index -0.7% compares with +2.2% for Maryland and +3.0% for the U.S., a gap of −3.7 pts versus the nation. Over five years the gap versus the nation is −18.2 pts.
- Which ZIP codes are in 3-digit ZIP region 209?
- All ZIP codes that begin with 209. Census 2010 ZIP Code Tabulation Areas in this region run from 20901 to 20912 (8 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.