3-digit ZIP regional index
Home appreciation in ZIP codes 285xxJacksonville, NC area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 285 changed +1.8% over the year to Q2 2026, compared with +2.4% for North Carolina and +3.0% for the United States.
The region covers ZIP codes 28501–28594. Most of its 2010 population lived in Onslow County (33%), Craven County (21%), Carteret County (13%). Communities in the region include New Bern, Kinston, Havelock, Piney Green, Winterville. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +1.8%
- 5-year change
- +56.3%
- Since Q1 1995
- +258%
- National rank (1 year)
- 675th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 285 vs North Carolina and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 285: 358.2
- North Carolina: 376.3
- Jacksonville, NC metro: 391.6
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 285 | NC | U.S. | Gap vs NC | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +1.8% | +2.4% | +3.0% | −0.6 pts | −1.2 pts |
| 3 years | +18.7% | +12.3% | +12.9% | +6.3 pts | +5.8 pts |
| 5 years | +56.3% | +51.4% | +41.3% | +4.8 pts | +15.0 pts |
| 10 years | +108% | +113% | +93.3% | −5.5 pts | +14.5 pts |
| Since Q1 1995 | +258% | +276% | +292% | −18.1 pts | −33.4 pts |
If you bought in ZIP3 285 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 | +257% | $1,071,036 |
| Q2 2000 | +190% | $871,014 |
| Q2 2005 | +119% | $655,625 |
| Q2 2010 | +90.4% | $571,063 |
| Q2 2015 | +108% | $622,578 |
| Q2 2020 | +76.4% | $529,188 |
| Q2 2021 | +56.3% | $468,794 |
| Q2 2023 | +18.7% | $356,042 |
| Q2 2025 | +1.8% | $305,501 |
How ZIP3 285 ranks
Over the past year ZIP3 285 ranks 675th of 882 3-digit ZIP regions nationally and 11th of 20 in North Carolina. Its one-year change is −1.2 pts versus the nation and −0.6 pts versus North Carolina. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in North Carolina |
|---|---|---|
| 1 year | 675th of 882 | 11th of 20 |
| 3 years | 249th of 882 | 1st of 20 |
| 5 years | 100th of 882 | 5th of 20 |
| 10 years | 218th of 882 | 12th of 20 |
| Since Q1 1995 | 448th of 879 | 12th of 20 |
Boom, bust, and recovery in ZIP3 285
ZIP3 285's index peaked in Q2 2007, fell 15.8% to its low in Q1 2014, and regained its peak in Q4 2019, about 12.5 years after the top. Today it sits +78.0% 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 285 | Q2 2007 | Q1 2014 | -15.8% | Q4 2019 (12.5 yrs) | +78.0% |
| NC | Q1 2008 | Q2 2012 | -13.1% | Q4 2016 (8.8 yrs) | +109% |
| Metro | Q1 2009 | Q4 2015 | -22.0% | Q1 2020 (11 yrs) | +77.9% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 285's index has changed +61.8% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 285 after inflation | NC after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -1.9% | -1.4% | -0.0% | -0.8% |
| 3 years | +9.8% | +8.1% | +2.3% | +8.5% | +2.8% |
| 5 years | +24.0% | +26.0% | +22.1% | +27.6% | +13.9% |
| 10 years | +39.1% | +49.4% | +53.4% | +53.2% | +39.0% |
| Since Q1 1995 | +121% | +61.8% | +70.0% | +76.9% | +76.8% |
Estimate appreciation for a home in ZIP3 285
Regional estimate
$623,481
- Estimated gain
- $323,481
- Index change
- +108%
- Start index
- 172.35
- End index
- 358.19
ZIP3 285 (Jacksonville, NC 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 |
|---|---|---|---|---|
| 278 · Greenville, NC area | NC | +0.7% | +51.6% | +190% |
| 284 · Wilmington, NC area | NC | +4.0% | +59.3% | +355% |
| 275 · Cary, NC area | NC | +0.9% | +48.2% | +241% |
| 276 · Raleigh, NC area | NC | +1.7% | +43.0% | +298% |
| 283 · Fayetteville, NC area | NC | +1.8% | +55.2% | +209% |
| 279 · Elizabeth City, NC area | NC | -1.9% | +50.6% | +331% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 358.19 |
| Q1 2026 | 354.93 |
| Q4 2025 | 350.61 |
| Q3 2025 | 350.95 |
| Q2 2025 | 351.74 |
| Q1 2025 | 345.21 |
| Q4 2024 | 334.52 |
| Q3 2024 | 340.97 |
| Q2 2024 | 329.40 |
| Q1 2024 | 316.60 |
| Q4 2023 | 320.14 |
| Q3 2023 | 318.38 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 285?
- Based on FHFA HPI® data for 3-digit ZIP region 285, the regional index changed +1.8% over the year to Q2 2026, +56.3% over five years, +108% over ten years, and +258% since Q1 1995.
- Is ZIP3 285 appreciating faster than North Carolina and the U.S.?
- Over the past year the region's index +1.8% compares with +2.4% for North Carolina and +3.0% for the U.S., a gap of −1.2 pts versus the nation. Over five years the gap versus the nation is +15.0 pts.
- Which ZIP codes are in 3-digit ZIP region 285?
- All ZIP codes that begin with 285. Census 2010 ZIP Code Tabulation Areas in this region run from 28501 to 28594 (61 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.