3-digit ZIP regional index
Home appreciation in ZIP codes 214xxAnnapolis, MD area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 214 changed +7.4% over the year to Q2 2026, compared with +2.2% for Maryland and +3.0% for the United States.
The region covers ZIP codes 21401–21409. Most of its 2010 population lived in Anne Arundel County (100%). Communities in the region include Parole, Annapolis Neck, Cape St. Claire, Naval Academy, Arnold. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +7.4%
- 5-year change
- +46.0%
- Since Q1 1995
- +354%
- National rank (1 year)
- 64th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 214 vs Maryland and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 214: 453.9
- Maryland: 348.0
- Baltimore-Columbia-Towson, MD metro: 348.3
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 214 | MD | U.S. | Gap vs MD | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +7.4% | +2.2% | +3.0% | +5.2 pts | +4.4 pts |
| 3 years | +18.6% | +11.2% | +12.9% | +7.3 pts | +5.7 pts |
| 5 years | +46.0% | +32.0% | +41.3% | +14.0 pts | +4.7 pts |
| 10 years | +76.1% | +63.8% | +93.3% | +12.3 pts | −17.2 pts |
| Since Q1 1995 | +354% | +248% | +292% | +106.0 pts | +62.4 pts |
If you bought in ZIP3 214 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 | +339% | $1,316,121 |
| Q2 2000 | +256% | $1,067,485 |
| Q2 2005 | +78.3% | $535,042 |
| Q2 2010 | +92.0% | $575,931 |
| Q2 2015 | +83.2% | $549,685 |
| Q2 2020 | +61.2% | $483,745 |
| Q2 2021 | +46.0% | $438,044 |
| Q2 2023 | +18.6% | $355,745 |
| Q2 2025 | +7.4% | $322,302 |
How ZIP3 214 ranks
Over the past year ZIP3 214 ranks 64th of 882 3-digit ZIP regions nationally and 1st of 13 in Maryland. Its one-year change is +4.4 pts versus the nation and +5.2 pts versus Maryland. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Maryland |
|---|---|---|
| 1 year | 64th of 882 | 1st of 13 |
| 3 years | 255th of 882 | 2nd of 13 |
| 5 years | 387th of 882 | 3rd of 13 |
| 10 years | 654th of 882 | 5th of 13 |
| Since Q1 1995 | 162nd of 879 | 1st of 13 |
Boom, bust, and recovery in ZIP3 214
ZIP3 214's index peaked in Q2 2007, fell 21.5% to its low in Q1 2012, and regained its peak in Q1 2021, about 13.8 years after the top. Today it sits +55.6% 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 214 | Q2 2007 | Q1 2012 | -21.5% | Q1 2021 (13.8 yrs) | +55.6% |
| MD | Q2 2007 | Q2 2012 | -25.3% | Q2 2021 (14 yrs) | +35.2% |
| Metro | Q2 2007 | Q2 2012 | -22.2% | Q2 2021 (14 yrs) | +36.8% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 214's index has changed +105% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 214 after inflation | MD after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +3.4% | -1.6% | -1.1% | -0.8% |
| 3 years | +9.8% | +8.0% | +1.3% | +1.6% | +2.8% |
| 5 years | +24.0% | +17.7% | +6.5% | +6.2% | +13.9% |
| 10 years | +39.1% | +26.6% | +17.8% | +15.8% | +39.0% |
| Since Q1 1995 | +121% | +105% | +57.2% | +57.3% | +76.8% |
Estimate appreciation for a home in ZIP3 214
Regional estimate
$528,338
- Estimated gain
- $228,338
- Index change
- +76.11%
- Start index
- 257.75
- End index
- 453.93
ZIP3 214 (Annapolis, 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 |
|---|---|---|---|---|
| 207 · Bowie, MD area | MD | -0.1% | +25.1% | +231% |
| 212 · Baltimore, MD area | MD | +2.3% | +29.4% | +247% |
| 210 · Columbia, MD area | MD | +2.7% | +32.6% | +245% |
| 216 · Easton, MD area | MD | +2.8% | +42.1% | +275% |
| 211 · Westminster, MD area | MD | +3.8% | +34.3% | +242% |
| 200 · Washington, DC area | DC | -0.6% | +4.2% | +464% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 453.93 |
| Q1 2026 | 442.26 |
| Q4 2025 | 420.10 |
| Q3 2025 | 415.24 |
| Q2 2025 | 422.52 |
| Q1 2025 | 401.24 |
| Q4 2024 | 421.56 |
| Q3 2024 | 408.11 |
| Q2 2024 | 395.66 |
| Q1 2024 | 369.26 |
| Q4 2023 | 389.51 |
| Q3 2023 | 395.26 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 214?
- Based on FHFA HPI® data for 3-digit ZIP region 214, the regional index changed +7.4% over the year to Q2 2026, +46.0% over five years, +76.1% over ten years, and +354% since Q1 1995.
- Is ZIP3 214 appreciating faster than Maryland and the U.S.?
- Over the past year the region's index +7.4% compares with +2.2% for Maryland and +3.0% for the U.S., a gap of +4.4 pts versus the nation. Over five years the gap versus the nation is +4.7 pts.
- Which ZIP codes are in 3-digit ZIP region 214?
- All ZIP codes that begin with 214. Census 2010 ZIP Code Tabulation Areas in this region run from 21401 to 21409 (5 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.