3-digit ZIP regional index
Home appreciation in ZIP codes 225xxTappahannock, VA area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 225 changed +5.3% over the year to Q2 2026, compared with +3.8% for Virginia and +3.0% for the United States.
The region covers ZIP codes 22503–22580. Most of its 2010 population lived in Stafford County (41%), Spotsylvania County (20%), Caroline County (13%). Communities in the region include Lake of the Woods, Aquia Harbour, Stafford Courthouse, Spotsylvania Courthouse, Lake Land'Or. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +5.3%
- 5-year change
- +45.1%
- Since Q1 1995
- +270%
- National rank (1 year)
- 232nd
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 225 vs Virginia and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 225: 369.9
- Virginia: 403.8
- Arlington-Alexandria-Reston, VA-WV metro: 420.4
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 225 | VA | U.S. | Gap vs VA | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +5.3% | +3.8% | +3.0% | +1.6 pts | +2.3 pts |
| 3 years | +17.0% | +15.9% | +12.9% | +1.0 pts | +4.1 pts |
| 5 years | +45.1% | +44.1% | +41.3% | +1.1 pts | +3.8 pts |
| 10 years | +84.7% | +83.4% | +93.3% | +1.3 pts | −8.6 pts |
| Since Q1 1995 | +270% | +304% | +292% | −33.9 pts | −21.7 pts |
If you bought in ZIP3 225 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 | +270% | $1,109,247 |
| Q2 2000 | +219% | $957,029 |
| Q2 2005 | +61.6% | $484,893 |
| Q2 2010 | +94.0% | $581,998 |
| Q2 2015 | +88.0% | $564,069 |
| Q2 2020 | +62.1% | $486,338 |
| Q2 2021 | +45.1% | $435,386 |
| Q2 2023 | +17.0% | $350,878 |
| Q2 2025 | +5.3% | $315,994 |
How ZIP3 225 ranks
Over the past year ZIP3 225 ranks 232nd of 882 3-digit ZIP regions nationally and 7th of 28 in Virginia. Its one-year change is +2.3 pts versus the nation and +1.6 pts versus Virginia. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Virginia |
|---|---|---|
| 1 year | 232nd of 882 | 7th of 28 |
| 3 years | 354th of 882 | 13th of 28 |
| 5 years | 420th of 882 | 17th of 28 |
| 10 years | 548th of 882 | 16th of 28 |
| Since Q1 1995 | 409th of 879 | 17th of 28 |
Boom, bust, and recovery in ZIP3 225
ZIP3 225's index peaked in Q2 2006, fell 31.7% to its low in Q1 2012, and regained its peak in Q3 2021, about 15.2 years after the top. Today it sits +41.0% 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 225 | Q2 2006 | Q1 2012 | -31.7% | Q3 2021 (15.2 yrs) | +41.0% |
| VA | Q2 2007 | Q2 2012 | -17.4% | Q2 2019 (12 yrs) | +66.9% |
| Metro | Q2 2006 | Q3 2009 | -25.6% | Q2 2020 (14 yrs) | +48.2% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 225's index has changed +67.0% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 225 after inflation | VA after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +1.4% | -0.1% | -1.2% | -0.8% |
| 3 years | +9.8% | +6.5% | +5.6% | +3.4% | +2.8% |
| 5 years | +24.0% | +17.0% | +16.2% | +8.0% | +13.9% |
| 10 years | +39.1% | +32.8% | +31.9% | +20.3% | +39.0% |
| Since Q1 1995 | +121% | +67.0% | +82.4% | +89.9% | +76.8% |
Estimate appreciation for a home in ZIP3 225
Regional estimate
$554,125
- Estimated gain
- $254,125
- Index change
- +84.71%
- Start index
- 200.24
- End index
- 369.86
ZIP3 225 (Tappahannock, VA 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 |
|---|---|---|---|---|
| 224 · Fredericksburg, VA area | VA | +5.7% | +46.5% | +285% |
| 227 · Culpeper, VA area | VA | +1.0% | +39.8% | +264% |
| 221 · Vienna, VA area | VA | +3.8% | +33.5% | +325% |
| 206 · Waldorf, MD area | MD | +1.0% | +30.9% | +207% |
| 220 · Fairfax, VA area | VA | +1.5% | +30.6% | +325% |
| 230 · Ashland, VA area | VA | +4.3% | +49.1% | +277% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 369.86 |
| Q1 2026 | 355.87 |
| Q4 2025 | 364.44 |
| Q3 2025 | 357.19 |
| Q2 2025 | 351.14 |
| Q1 2025 | 351.05 |
| Q4 2024 | 347.75 |
| Q3 2024 | 337.21 |
| Q2 2024 | 336.36 |
| Q1 2024 | 324.33 |
| Q4 2023 | 320.45 |
| Q3 2023 | 321.02 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 225?
- Based on FHFA HPI® data for 3-digit ZIP region 225, the regional index changed +5.3% over the year to Q2 2026, +45.1% over five years, +84.7% over ten years, and +270% since Q1 1995.
- Is ZIP3 225 appreciating faster than Virginia and the U.S.?
- Over the past year the region's index +5.3% compares with +3.8% for Virginia and +3.0% for the U.S., a gap of +2.3 pts versus the nation. Over five years the gap versus the nation is +3.8 pts.
- Which ZIP codes are in 3-digit ZIP region 225?
- All ZIP codes that begin with 225. Census 2010 ZIP Code Tabulation Areas in this region run from 22503 to 22580 (27 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.