3-digit ZIP regional index
Home appreciation in ZIP codes 297xxRock Hill, SC area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 297 changed +4.1% 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 29702–29745. Most of its 2010 population lived in York County (64%), Lancaster County (18%), Chester County (8%). Communities in the region include Fort Mill, Lake Wylie, Lancaster, York, Tega Cay. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +4.1%
- 5-year change
- +51.4%
- Since Q1 1995
- +285%
- National rank (1 year)
- 375th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 297 vs South Carolina and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 297: 384.7
- South Carolina: 397.2
- Charlotte-Concord-Gastonia, NC-SC metro: 412.4
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 297 | SC | U.S. | Gap vs SC | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +4.1% | +3.8% | +3.0% | +0.2 pts | +1.0 pts |
| 3 years | +11.2% | +16.6% | +12.9% | −5.3 pts | −1.6 pts |
| 5 years | +51.4% | +54.9% | +41.3% | −3.5 pts | +10.1 pts |
| 10 years | +121% | +114% | +93.3% | +6.4 pts | +27.2 pts |
| Since Q1 1995 | +285% | +297% | +292% | −12.5 pts | −6.9 pts |
If you bought in ZIP3 297 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 | +278% | $1,135,442 |
| Q2 2000 | +205% | $915,761 |
| Q2 2005 | +161% | $781,862 |
| Q2 2010 | +141% | $724,024 |
| Q2 2015 | +130% | $689,914 |
| Q2 2020 | +73.3% | $519,868 |
| Q2 2021 | +51.4% | $454,096 |
| Q2 2023 | +11.2% | $333,676 |
| Q2 2025 | +4.1% | $312,165 |
How ZIP3 297 ranks
Over the past year ZIP3 297 ranks 375th of 882 3-digit ZIP regions nationally and 6th of 10 in South Carolina. Its one-year change is +1.0 pts versus the nation and +0.2 pts versus South Carolina. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in South Carolina |
|---|---|---|
| 1 year | 375th of 882 | 6th of 10 |
| 3 years | 671st of 882 | 10th of 10 |
| 5 years | 206th of 882 | 9th of 10 |
| 10 years | 93rd of 882 | 4th of 10 |
| Since Q1 1995 | 357th of 879 | 4th of 10 |
Boom, bust, and recovery in ZIP3 297
ZIP3 297's index peaked in Q1 2009, fell 12.9% to its low in Q1 2012, and regained its peak in Q2 2016, about 7.2 years after the top. Today it sits +124% 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 297 | Q1 2009 | Q1 2012 | -12.9% | Q2 2016 (7.2 yrs) | +124% |
| SC | Q1 2008 | Q2 2012 | -13.0% | Q3 2016 (8.5 yrs) | +110% |
| Metro | Q2 2008 | Q2 2012 | -15.7% | Q1 2016 (7.8 yrs) | +130% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 297's index has changed +73.7% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 297 after inflation | SC after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +0.2% | -0.0% | -2.3% | -0.8% |
| 3 years | +9.8% | +1.3% | +6.2% | +1.3% | +2.8% |
| 5 years | +24.0% | +22.0% | +24.9% | +20.9% | +13.9% |
| 10 years | +39.1% | +58.6% | +54.0% | +61.2% | +39.0% |
| Since Q1 1995 | +121% | +73.7% | +79.4% | +86.3% | +76.8% |
Estimate appreciation for a home in ZIP3 297
Regional estimate
$661,707
- Estimated gain
- $361,707
- Index change
- +121%
- Start index
- 174.39
- End index
- 384.65
ZIP3 297 (Rock Hill, 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 |
|---|---|---|---|---|
| 282 · Charlotte, NC area | NC | +1.8% | +48.8% | +378% |
| 281 · Salisbury, NC area | NC | +0.8% | +52.8% | +286% |
| 280 · Concord, NC area | NC | +1.7% | +51.0% | +278% |
| 293 · Spartanburg, SC area | SC | +3.2% | +54.1% | +248% |
| 292 · Columbia, SC area | SC | +5.8% | +51.8% | +232% |
| 290 · Lexington, SC area | SC | +1.8% | +53.6% | +238% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 384.65 |
| Q1 2026 | 377.11 |
| Q4 2025 | 376.01 |
| Q3 2025 | 375.69 |
| Q2 2025 | 369.66 |
| Q1 2025 | 371.83 |
| Q4 2024 | 365.69 |
| Q3 2024 | 363.46 |
| Q2 2024 | 364.75 |
| Q1 2024 | 352.90 |
| Q4 2023 | 352.31 |
| Q3 2023 | 346.64 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 297?
- Based on FHFA HPI® data for 3-digit ZIP region 297, the regional index changed +4.1% over the year to Q2 2026, +51.4% over five years, +121% over ten years, and +285% since Q1 1995.
- Is ZIP3 297 appreciating faster than South Carolina and the U.S.?
- Over the past year the region's index +4.1% compares with +3.8% for South Carolina and +3.0% for the U.S., a gap of +1.0 pts versus the nation. Over five years the gap versus the nation is +10.1 pts.
- Which ZIP codes are in 3-digit ZIP region 297?
- All ZIP codes that begin with 297. Census 2010 ZIP Code Tabulation Areas in this region run from 29702 to 29745 (25 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.