3-digit ZIP regional index
Home appreciation in ZIP codes 219xxElkton, MD area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 219 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 21901–21930. Most of its 2010 population lived in Cecil County (100%). Communities in the region include Perryville, North East, Rising Sun, Charlestown, Chesapeake City. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +5.0%
- 5-year change
- +50.1%
- Since Q1 1995
- +242%
- National rank (1 year)
- 269th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 219 vs Maryland and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 219: 341.6
- Maryland: 348.0
- Wilmington, DE-MD-NJ metro: 338.2
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 219 | 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 | +22.7% | +11.2% | +12.9% | +11.4 pts | +9.8 pts |
| 5 years | +50.1% | +32.0% | +41.3% | +18.0 pts | +8.8 pts |
| 10 years | +86.7% | +63.8% | +93.3% | +22.9 pts | −6.6 pts |
| Since Q1 1995 | +242% | +248% | +292% | −6.3 pts | −49.9 pts |
If you bought in ZIP3 219 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 | +244% | $1,031,626 |
| Q2 2000 | +199% | $896,458 |
| Q2 2005 | +76.4% | $529,291 |
| Q2 2010 | +81.0% | $542,946 |
| Q2 2015 | +95.0% | $584,866 |
| Q2 2020 | +65.9% | $497,824 |
| Q2 2021 | +50.1% | $450,257 |
| Q2 2023 | +22.7% | $368,041 |
| Q2 2025 | +5.0% | $314,914 |
How ZIP3 219 ranks
Over the past year ZIP3 219 ranks 269th of 882 3-digit ZIP regions nationally and 3rd 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 | 269th of 882 | 3rd of 13 |
| 3 years | 114th of 882 | 1st of 13 |
| 5 years | 264th of 882 | 2nd of 13 |
| 10 years | 510th of 882 | 3rd of 13 |
| Since Q1 1995 | 556th of 879 | 10th of 13 |
Boom, bust, and recovery in ZIP3 219
ZIP3 219's index peaked in Q4 2006, fell 23.6% to its low in Q3 2013, and regained its peak in Q2 2021, about 14.5 years after the top. Today it sits +50.5% 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 219 | Q4 2006 | Q3 2013 | -23.6% | Q2 2021 (14.5 yrs) | +50.5% |
| MD | Q2 2007 | Q2 2012 | -25.3% | Q2 2021 (14 yrs) | +35.2% |
| Metro | Q2 2007 | Q2 2012 | -20.2% | Q1 2021 (13.8 yrs) | +56.4% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 219's index has changed +54.3% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 219 after inflation | MD after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +1.1% | -1.6% | +0.5% | -0.8% |
| 3 years | +9.8% | +11.7% | +1.3% | +6.9% | +2.8% |
| 5 years | +24.0% | +21.0% | +6.5% | +18.4% | +13.9% |
| 10 years | +39.1% | +34.2% | +17.8% | +31.3% | +39.0% |
| Since Q1 1995 | +121% | +54.3% | +57.2% | +52.7% | +76.8% |
Estimate appreciation for a home in ZIP3 219
Regional estimate
$560,035
- Estimated gain
- $260,035
- Index change
- +86.68%
- Start index
- 183.01
- End index
- 341.64
ZIP3 219 (Elkton, 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 |
|---|---|---|---|---|
| 197 · Newark, DE area | DE | +4.0% | +43.6% | +238% |
| 198 · Wilmington, DE area | DE | +3.8% | +44.5% | +235% |
| 193 · West Chester, PA area | PA | +2.6% | +45.8% | +262% |
| 176 · Lancaster, PA area | PA | +5.1% | +50.8% | +262% |
| 175 · Ephrata, PA area | PA | +6.9% | +57.0% | +262% |
| 210 · Columbia, MD area | MD | +2.7% | +32.6% | +245% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 341.64 |
| Q1 2026 | 340.80 |
| Q4 2025 | 326.25 |
| Q3 2025 | 325.48 |
| Q2 2025 | 325.46 |
| Q1 2025 | 296.64 |
| Q4 2024 | 310.64 |
| Q3 2024 | 303.53 |
| Q2 2024 | 297.78 |
| Q1 2024 | 286.55 |
| Q4 2023 | 282.00 |
| Q3 2023 | 284.40 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 219?
- Based on FHFA HPI® data for 3-digit ZIP region 219, the regional index changed +5.0% over the year to Q2 2026, +50.1% over five years, +86.7% over ten years, and +242% since Q1 1995.
- Is ZIP3 219 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 +8.8 pts.
- Which ZIP codes are in 3-digit ZIP region 219?
- All ZIP codes that begin with 219. Census 2010 ZIP Code Tabulation Areas in this region run from 21901 to 21930 (16 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.