3-digit ZIP regional index
Home appreciation in ZIP codes 294xxCharleston, SC area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 294 changed +4.5% over the year to Q2 2026, compared with +3.8% for South Carolina and +3.0% for the United States.
The region covers ZIP codes 29401–29493. Most of its 2010 population lived in Charleston County (48%), Berkeley County (24%), Dorchester County (19%). Communities in the region include North Charleston, Mount Pleasant, Summerville, Goose Creek, Hanahan. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +4.5%
- 5-year change
- +60.9%
- Since Q1 1995
- +523%
- National rank (1 year)
- 324th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 294 vs South Carolina and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 294: 622.9
- South Carolina: 397.2
- Charleston-North Charleston, SC metro: 637.8
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 294 | SC | U.S. | Gap vs SC | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +4.5% | +3.8% | +3.0% | +0.7 pts | +1.5 pts |
| 3 years | +19.3% | +16.6% | +12.9% | +2.7 pts | +6.4 pts |
| 5 years | +60.9% | +54.9% | +41.3% | +6.0 pts | +19.6 pts |
| 10 years | +128% | +114% | +93.3% | +13.9 pts | +34.7 pts |
| Since Q1 1995 | +523% | +297% | +292% | +225.7 pts | +231.3 pts |
If you bought in ZIP3 294 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 | +512% | $1,836,501 |
| Q2 2000 | +315% | $1,243,687 |
| Q2 2005 | +180% | $840,821 |
| Q2 2010 | +179% | $836,380 |
| Q2 2015 | +149% | $745,518 |
| Q2 2020 | +82.3% | $546,994 |
| Q2 2021 | +60.9% | $482,678 |
| Q2 2023 | +19.3% | $357,936 |
| Q2 2025 | +4.5% | $313,520 |
How ZIP3 294 ranks
Over the past year ZIP3 294 ranks 324th of 882 3-digit ZIP regions nationally and 4th of 10 in South Carolina. Its one-year change is +1.5 pts versus the nation and +0.7 pts versus South Carolina. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in South Carolina |
|---|---|---|
| 1 year | 324th of 882 | 4th of 10 |
| 3 years | 224th of 882 | 2nd of 10 |
| 5 years | 39th of 882 | 2nd of 10 |
| 10 years | 48th of 882 | 2nd of 10 |
| Since Q1 1995 | 8th of 879 | 1st of 10 |
Boom, bust, and recovery in ZIP3 294
ZIP3 294's index peaked in Q1 2008, fell 21.6% to its low in Q2 2011, and regained its peak in Q2 2016, about 8.2 years after the top. Today it sits +132% 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 294 | Q1 2008 | Q2 2011 | -21.6% | Q2 2016 (8.2 yrs) | +132% |
| SC | Q1 2008 | Q2 2012 | -13.0% | Q3 2016 (8.5 yrs) | +110% |
| Metro | Q1 2008 | Q2 2011 | -21.5% | Q2 2016 (8.2 yrs) | +137% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 294's index has changed +181% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 294 after inflation | SC after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +0.6% | -0.0% | +0.8% | -0.8% |
| 3 years | +9.8% | +8.7% | +6.2% | +8.8% | +2.8% |
| 5 years | +24.0% | +29.7% | +24.9% | +30.3% | +13.9% |
| 10 years | +39.1% | +63.9% | +54.0% | +65.3% | +39.0% |
| Since Q1 1995 | +121% | +181% | +79.4% | +188% | +76.8% |
Estimate appreciation for a home in ZIP3 294
Regional estimate
$684,007
- Estimated gain
- $384,007
- Index change
- +128%
- Start index
- 273.19
- End index
- 622.88
ZIP3 294 (Charleston, SC 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 |
|---|---|---|---|---|
| 299 · Hilton Head Island, SC area | SC | +2.2% | +63.5% | +371% |
| 291 · Sumter, SC area | SC | +6.1% | +54.6% | +239% |
| 295 · Florence, SC area | SC | +4.4% | +50.7% | +239% |
| 314 · Savannah, GA area | GA | +2.7% | +62.5% | +394% |
| 290 · Lexington, SC area | SC | +1.8% | +53.6% | +238% |
| 292 · Columbia, SC area | SC | +5.8% | +51.8% | +232% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 622.88 |
| Q1 2026 | 616.38 |
| Q4 2025 | 597.22 |
| Q3 2025 | 598.13 |
| Q2 2025 | 596.02 |
| Q1 2025 | 599.49 |
| Q4 2024 | 585.43 |
| Q3 2024 | 573.24 |
| Q2 2024 | 570.50 |
| Q1 2024 | 554.04 |
| Q4 2023 | 549.98 |
| Q3 2023 | 539.52 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 294?
- Based on FHFA HPI® data for 3-digit ZIP region 294, the regional index changed +4.5% over the year to Q2 2026, +60.9% over five years, +128% over ten years, and +523% since Q1 1995.
- Is ZIP3 294 appreciating faster than South Carolina and the U.S.?
- Over the past year the region's index +4.5% compares with +3.8% for South Carolina and +3.0% for the U.S., a gap of +1.5 pts versus the nation. Over five years the gap versus the nation is +19.6 pts.
- Which ZIP codes are in 3-digit ZIP region 294?
- All ZIP codes that begin with 294. Census 2010 ZIP Code Tabulation Areas in this region run from 29401 to 29493 (56 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.