3-digit ZIP regional index
Home appreciation in ZIP codes 265xxMorgantown, WV area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 265 changed +6.2% over the year to Q2 2026, compared with +8.0% for West Virginia and +3.0% for the United States.
The region covers ZIP codes 26501–26591. Most of its 2010 population lived in Monongalia County (54%), Marion County (32%), Preston County (11%). Communities in the region include Fairmont, Cheat Lake, Brookhaven, Westover, Pleasant Valley. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +6.2%
- 5-year change
- +33.9%
- Since Q1 1995
- +218%
- National rank (1 year)
- 129th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 265 vs West Virginia and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 265: 317.8
- West Virginia: 293.3
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 265 | WV | U.S. | Gap vs WV | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +6.2% | +8.0% | +3.0% | −1.9 pts | +3.1 pts |
| 3 years | +15.1% | +21.8% | +12.9% | −6.7 pts | +2.2 pts |
| 5 years | +33.9% | +43.5% | +41.3% | −9.6 pts | −7.4 pts |
| 10 years | +58.3% | +68.5% | +93.3% | −10.2 pts | −35.0 pts |
| Since Q1 1995 | +218% | +193% | +292% | +24.5 pts | −73.7 pts |
If you bought in ZIP3 265 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 | +217% | $950,958 |
| Q2 2000 | +188% | $862,755 |
| Q2 2005 | +104% | $611,173 |
| Q2 2010 | +78.6% | $535,846 |
| Q2 2015 | +55.6% | $466,933 |
| Q2 2020 | +44.7% | $434,009 |
| Q2 2021 | +33.9% | $401,732 |
| Q2 2023 | +15.1% | $345,308 |
| Q2 2025 | +6.2% | $318,458 |
How ZIP3 265 ranks
Over the past year ZIP3 265 ranks 129th of 882 3-digit ZIP regions nationally and 21st of 22 in West Virginia. Its one-year change is +3.1 pts versus the nation and −1.9 pts versus West Virginia. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in West Virginia |
|---|---|---|
| 1 year | 129th of 882 | 21st of 22 |
| 3 years | 452nd of 882 | 22nd of 22 |
| 5 years | 740th of 882 | 22nd of 22 |
| 10 years | 822nd of 882 | 19th of 22 |
| Since Q1 1995 | 691st of 879 | 2nd of 20 |
Boom, bust, and recovery in ZIP3 265
ZIP3 265's index peaked in Q1 2009, fell 3.2% to its low in Q4 2009, and regained its peak in Q4 2010, about 1.8 years after the top. Today it sits +75.5% 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 265 | Q1 2009 | Q4 2009 | -3.2% | Q4 2010 (1.8 yrs) | +75.5% |
| WV | Q1 2008 | Q2 2011 | -7.3% | Q2 2015 (7.2 yrs) | +71.7% |
| Metro | Q1 2009 | Q4 2009 | -3.2% | Q4 2010 (1.8 yrs) | +75.5% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 265's index has changed +43.5% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 265 after inflation | WV after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +2.2% | +4.0% | +2.2% | -0.8% |
| 3 years | +9.8% | +4.8% | +10.9% | +4.8% | +2.8% |
| 5 years | +24.0% | +8.0% | +15.7% | +8.0% | +13.9% |
| 10 years | +39.1% | +13.8% | +21.2% | +13.8% | +39.0% |
| Since Q1 1995 | +121% | +43.5% | +32.5% | +43.5% | +76.8% |
Estimate appreciation for a home in ZIP3 265
Regional estimate
$474,958
- Estimated gain
- $174,958
- Index change
- +58.32%
- Start index
- 200.74
- End index
- 317.81
ZIP3 265 (Morgantown, WV area), Q2 2016 to Q2 2026. Index type: MSA/MSAD Index.
Nearby 3-digit ZIP regions
| 3-digit ZIP region | State | 1 year | 5 years | Since Q1 1995 |
|---|---|---|---|---|
| 154 · Uniontown, PA area | PA | +3.4% | +36.7% | +236% |
| 263 · Clarksburg, WV area | WV | +8.7% | +46.6% | +210% |
| 264 · Weston, WV area | WV | +8.7% | +46.6% | +210% |
| 153 · Washington, PA area | PA | +3.0% | +33.5% | +211% |
| 262 · Elkins, WV area | WV | +8.7% | +46.6% | +210% |
| 260 · Wheeling, WV area | WV | +0.6% | +36.8% | +189% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 317.81 |
| Q1 2026 | 302.87 |
| Q4 2025 | 314.75 |
| Q3 2025 | 308.57 |
| Q2 2025 | 299.39 |
| Q1 2025 | 301.55 |
| Q4 2024 | 291.51 |
| Q3 2024 | 289.91 |
| Q2 2024 | 288.90 |
| Q1 2024 | 265.00 |
| Q4 2023 | 283.59 |
| Q3 2023 | 276.24 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 265?
- Based on FHFA HPI® data for 3-digit ZIP region 265, the regional index changed +6.2% over the year to Q2 2026, +33.9% over five years, +58.3% over ten years, and +218% since Q1 1995.
- Is ZIP3 265 appreciating faster than West Virginia and the U.S.?
- Over the past year the region's index +6.2% compares with +8.0% for West Virginia and +3.0% for the U.S., a gap of +3.1 pts versus the nation. Over five years the gap versus the nation is −7.4 pts.
- Which ZIP codes are in 3-digit ZIP region 265?
- All ZIP codes that begin with 265. Census 2010 ZIP Code Tabulation Areas in this region run from 26501 to 26591 (33 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.