3-digit ZIP regional index
Home appreciation in ZIP codes 295xxFlorence, SC area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 295 changed +4.4% 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 29501–29596. Most of its 2010 population lived in Horry County (42%), Florence County (20%), Darlington County (10%). Communities in the region include Myrtle Beach, Socastee, Conway, North Myrtle Beach, Red Hill. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +4.4%
- 5-year change
- +50.7%
- Since Q1 1995
- +239%
- National rank (1 year)
- 335th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 295 vs South Carolina and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 295: 338.9
- South Carolina: 397.2
- Myrtle Beach-Conway-North Myrtle Beach, SC metro: 378.7
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 295 | SC | U.S. | Gap vs SC | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +4.4% | +3.8% | +3.0% | +0.6 pts | +1.4 pts |
| 3 years | +14.0% | +16.6% | +12.9% | −2.6 pts | +1.2 pts |
| 5 years | +50.7% | +54.9% | +41.3% | −4.2 pts | +9.4 pts |
| 10 years | +95.4% | +114% | +93.3% | −18.8 pts | +2.0 pts |
| Since Q1 1995 | +239% | +297% | +292% | −58.3 pts | −52.7 pts |
If you bought in ZIP3 295 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 | +239% | $1,016,000 |
| Q2 2000 | +169% | $805,555 |
| Q2 2005 | +107% | $619,695 |
| Q2 2010 | +98.2% | $594,648 |
| Q2 2015 | +100% | $600,869 |
| Q2 2020 | +66.4% | $499,195 |
| Q2 2021 | +50.7% | $452,068 |
| Q2 2023 | +14.0% | $342,051 |
| Q2 2025 | +4.4% | $313,198 |
How ZIP3 295 ranks
Over the past year ZIP3 295 ranks 335th of 882 3-digit ZIP regions nationally and 5th of 10 in South Carolina. Its one-year change is +1.4 pts versus the nation and +0.6 pts versus South Carolina. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in South Carolina |
|---|---|---|
| 1 year | 335th of 882 | 5th of 10 |
| 3 years | 525th of 882 | 9th of 10 |
| 5 years | 230th of 882 | 10th of 10 |
| 10 years | 380th of 882 | 10th of 10 |
| Since Q1 1995 | 583rd of 879 | 8th of 10 |
Boom, bust, and recovery in ZIP3 295
ZIP3 295's index peaked in Q1 2008, fell 21.4% to its low in Q4 2013, and regained its peak in Q1 2020, about 12 years after the top. Today it sits +68.8% 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 295 | Q1 2008 | Q4 2013 | -21.4% | Q1 2020 (12 yrs) | +68.8% |
| SC | Q1 2008 | Q2 2012 | -13.0% | Q3 2016 (8.5 yrs) | +110% |
| Metro | Q2 2007 | Q4 2012 | -32.5% | Q1 2021 (13.8 yrs) | +63.6% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 295's index has changed +53.0% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 295 after inflation | SC after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +0.5% | -0.0% | -2.9% | -0.8% |
| 3 years | +9.8% | +3.8% | +6.2% | +0.5% | +2.8% |
| 5 years | +24.0% | +21.5% | +24.9% | +22.6% | +13.9% |
| 10 years | +39.1% | +40.5% | +54.0% | +50.4% | +39.0% |
| Since Q1 1995 | +121% | +53.0% | +79.4% | +71.0% | +76.8% |
Estimate appreciation for a home in ZIP3 295
Regional estimate
$586,111
- Estimated gain
- $286,111
- Index change
- +95.37%
- Start index
- 173.45
- End index
- 338.87
ZIP3 295 (Florence, 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 |
|---|---|---|---|---|
| 283 · Fayetteville, NC area | NC | +1.8% | +55.2% | +209% |
| 284 · Wilmington, NC area | NC | +4.0% | +59.3% | +355% |
| 294 · Charleston, SC area | SC | +4.5% | +60.9% | +523% |
| 291 · Sumter, SC area | SC | +6.1% | +54.6% | +239% |
| 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 | 338.87 |
| Q1 2026 | 335.61 |
| Q4 2025 | 331.84 |
| Q3 2025 | 336.85 |
| Q2 2025 | 324.59 |
| Q1 2025 | 326.26 |
| Q4 2024 | 320.22 |
| Q3 2024 | 316.06 |
| Q2 2024 | 312.02 |
| Q1 2024 | 309.19 |
| Q4 2023 | 309.26 |
| Q3 2023 | 306.86 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 295?
- Based on FHFA HPI® data for 3-digit ZIP region 295, the regional index changed +4.4% over the year to Q2 2026, +50.7% over five years, +95.4% over ten years, and +239% since Q1 1995.
- Is ZIP3 295 appreciating faster than South Carolina and the U.S.?
- Over the past year the region's index +4.4% compares with +3.8% for South Carolina and +3.0% for the U.S., a gap of +1.4 pts versus the nation. Over five years the gap versus the nation is +9.4 pts.
- Which ZIP codes are in 3-digit ZIP region 295?
- All ZIP codes that begin with 295. Census 2010 ZIP Code Tabulation Areas in this region run from 29501 to 29596 (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.