3-digit ZIP regional index
Home appreciation in ZIP codes 218xxSalisbury, MD area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 218 changed +5.0% over the year to Q2 2026, compared with +2.2% for Maryland and +3.0% for the United States.
The region covers ZIP codes 21801–21890. Most of its 2010 population lived in Wicomico County (55%), Worcester County (29%), Somerset County (15%). Communities in the region include Ocean Pines, Ocean City, Fruitland, Berlin, West Ocean City. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +5.0%
- 5-year change
- +50.6%
- Since Q1 1995
- +268%
- National rank (1 year)
- 271st
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 218 vs Maryland and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 218: 368.1
- Maryland: 348.0
- Salisbury, MD metro: 326.6
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 218 | MD | U.S. | Gap vs MD | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +5.0% | +2.2% | +3.0% | +2.7 pts | +1.9 pts |
| 3 years | +15.0% | +11.2% | +12.9% | +3.7 pts | +2.1 pts |
| 5 years | +50.6% | +32.0% | +41.3% | +18.6 pts | +9.3 pts |
| 10 years | +98.7% | +63.8% | +93.3% | +34.9 pts | +5.4 pts |
| Since Q1 1995 | +268% | +248% | +292% | +20.1 pts | −23.5 pts |
If you bought in ZIP3 218 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 | +269% | $1,105,507 |
| Q2 2000 | +212% | $935,429 |
| Q2 2005 | +74.4% | $523,110 |
| Q2 2010 | +81.6% | $544,709 |
| Q2 2015 | +102% | $605,495 |
| Q2 2020 | +70.6% | $511,692 |
| Q2 2021 | +50.6% | $451,792 |
| Q2 2023 | +15.0% | $344,916 |
| Q2 2025 | +5.0% | $314,886 |
How ZIP3 218 ranks
Over the past year ZIP3 218 ranks 271st of 882 3-digit ZIP regions nationally and 4th of 13 in Maryland. Its one-year change is +1.9 pts versus the nation and +2.7 pts versus Maryland. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Maryland |
|---|---|---|
| 1 year | 271st of 882 | 4th of 13 |
| 3 years | 460th of 882 | 4th of 13 |
| 5 years | 232nd of 882 | 1st of 13 |
| 10 years | 336th of 882 | 1st of 13 |
| Since Q1 1995 | 414th of 879 | 5th of 13 |
Boom, bust, and recovery in ZIP3 218
ZIP3 218's index peaked in Q2 2007, fell 31.9% to its low in Q4 2013, and regained its peak in Q3 2021, about 14.2 years after the top. Today it sits +45.3% 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 218 | Q2 2007 | Q4 2013 | -31.9% | Q3 2021 (14.2 yrs) | +45.3% |
| MD | Q2 2007 | Q2 2012 | -25.3% | Q2 2021 (14 yrs) | +35.2% |
| Metro | Q4 2007 | Q4 2013 | -31.4% | Q3 2021 (13.8 yrs) | +42.4% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 218's index has changed +66.2% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 218 after inflation | MD after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +1.1% | -1.6% | -0.4% | -0.8% |
| 3 years | +9.8% | +4.7% | +1.3% | +4.9% | +2.8% |
| 5 years | +24.0% | +21.4% | +6.5% | +21.6% | +13.9% |
| 10 years | +39.1% | +42.9% | +17.8% | +40.8% | +39.0% |
| Since Q1 1995 | +121% | +66.2% | +57.2% | +47.5% | +76.8% |
Estimate appreciation for a home in ZIP3 218
Regional estimate
$596,049
- Estimated gain
- $296,049
- Index change
- +98.68%
- Start index
- 185.25
- End index
- 368.06
ZIP3 218 (Salisbury, 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 |
|---|---|---|---|---|
| 199 · Dover, DE area | DE | +3.7% | +43.6% | +281% |
| 216 · Easton, MD area | MD | +2.8% | +42.1% | +275% |
| 206 · Waldorf, MD area | MD | +1.0% | +30.9% | +207% |
| 214 · Annapolis, MD area | MD | +7.4% | +46.0% | +354% |
| 082 · Pleasantville, NJ area | NJ | +6.6% | +70.2% | +387% |
| 207 · Bowie, MD area | MD | -0.1% | +25.1% | +231% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 368.06 |
| Q1 2026 | 368.70 |
| Q4 2025 | 359.60 |
| Q3 2025 | 352.10 |
| Q2 2025 | 350.66 |
| Q1 2025 | 350.06 |
| Q4 2024 | 344.72 |
| Q3 2024 | 335.76 |
| Q2 2024 | 334.20 |
| Q1 2024 | 328.80 |
| Q4 2023 | 315.83 |
| Q3 2023 | 331.94 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 218?
- Based on FHFA HPI® data for 3-digit ZIP region 218, the regional index changed +5.0% over the year to Q2 2026, +50.6% over five years, +98.7% over ten years, and +268% since Q1 1995.
- Is ZIP3 218 appreciating faster than Maryland and the U.S.?
- Over the past year the region's index +5.0% compares with +2.2% for Maryland and +3.0% for the U.S., a gap of +1.9 pts versus the nation. Over five years the gap versus the nation is +9.3 pts.
- Which ZIP codes are in 3-digit ZIP region 218?
- All ZIP codes that begin with 218. Census 2010 ZIP Code Tabulation Areas in this region run from 21801 to 21890 (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.