3-digit ZIP regional index
Home appreciation in ZIP codes 299xxHilton Head Island, SC area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 299 changed +2.2% 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 29902–29945. Most of its 2010 population lived in Beaufort County (77%), Jasper County (12%), Hampton County (10%). Communities in the region include Bluffton, Beaufort, Port Royal, Burton, Laurel Bay. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +2.2%
- 5-year change
- +63.5%
- Since Q1 1995
- +371%
- National rank (1 year)
- 641st
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 299 vs South Carolina and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 299: 470.8
- South Carolina: 397.2
- Hilton Head Island-Bluffton-Port Royal, SC metro: 474.6
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 299 | SC | U.S. | Gap vs SC | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +2.2% | +3.8% | +3.0% | −1.6 pts | −0.9 pts |
| 3 years | +16.3% | +16.6% | +12.9% | −0.3 pts | +3.4 pts |
| 5 years | +63.5% | +54.9% | +41.3% | +8.7 pts | +22.3 pts |
| 10 years | +128% | +114% | +93.3% | +14.2 pts | +35.0 pts |
| Since Q1 1995 | +371% | +297% | +292% | +73.7 pts | +79.3 pts |
If you bought in ZIP3 299 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 | +356% | $1,366,763 |
| Q2 2000 | +234% | $1,001,169 |
| Q2 2005 | +131% | $692,019 |
| Q2 2010 | +135% | $704,408 |
| Q2 2015 | +138% | $713,265 |
| Q2 2020 | +86.6% | $559,936 |
| Q2 2021 | +63.5% | $490,622 |
| Q2 2023 | +16.3% | $348,769 |
| Q2 2025 | +2.2% | $306,523 |
How ZIP3 299 ranks
Over the past year ZIP3 299 ranks 641st of 882 3-digit ZIP regions nationally and 9th of 10 in South Carolina. Its one-year change is −0.9 pts versus the nation and −1.6 pts versus South Carolina. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in South Carolina |
|---|---|---|
| 1 year | 641st of 882 | 9th of 10 |
| 3 years | 385th of 882 | 7th of 10 |
| 5 years | 16th of 882 | 1st of 10 |
| 10 years | 45th of 882 | 1st of 10 |
| Since Q1 1995 | 126th of 879 | 2nd of 10 |
Boom, bust, and recovery in ZIP3 299
ZIP3 299's index peaked in Q4 2007, fell 28.4% to its low in Q2 2013, and regained its peak in Q2 2020, about 12.5 years after the top. Today it sits +87.1% 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 299 | Q4 2007 | Q2 2013 | -28.4% | Q2 2020 (12.5 yrs) | +87.1% |
| SC | Q1 2008 | Q2 2012 | -13.0% | Q3 2016 (8.5 yrs) | +110% |
| Metro | Q4 2007 | Q2 2013 | -29.0% | Q2 2020 (12.5 yrs) | +87.7% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 299's index has changed +113% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 299 after inflation | SC after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -1.6% | -0.0% | -1.2% | -0.8% |
| 3 years | +9.8% | +5.9% | +6.2% | +7.3% | +2.8% |
| 5 years | +24.0% | +31.9% | +24.9% | +32.0% | +13.9% |
| 10 years | +39.1% | +64.2% | +54.0% | +65.9% | +39.0% |
| Since Q1 1995 | +121% | +113% | +79.4% | +114% | +76.8% |
Estimate appreciation for a home in ZIP3 299
Regional estimate
$685,105
- Estimated gain
- $385,105
- Index change
- +128%
- Start index
- 206.18
- End index
- 470.85
ZIP3 299 (Hilton Head Island, 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 |
|---|---|---|---|---|
| 314 · Savannah, GA area | GA | +2.7% | +62.5% | +394% |
| 313 · Hinesville, GA area | GA | +3.2% | +63.3% | +308% |
| 294 · Charleston, SC area | SC | +4.5% | +60.9% | +523% |
| 304 · Statesboro, GA area | GA | +3.4% | +56.5% | +283% |
| 298 · Aiken, SC area | SC | +5.1% | +56.6% | +248% |
| 309 · Augusta-Richmond County, GA area | GA | +1.8% | +41.5% | +217% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 470.85 |
| Q1 2026 | 467.12 |
| Q4 2025 | 457.73 |
| Q3 2025 | 454.87 |
| Q2 2025 | 460.83 |
| Q1 2025 | 460.25 |
| Q4 2024 | 445.21 |
| Q3 2024 | 439.54 |
| Q2 2024 | 419.91 |
| Q1 2024 | 426.79 |
| Q4 2023 | 430.07 |
| Q3 2023 | 426.53 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 299?
- Based on FHFA HPI® data for 3-digit ZIP region 299, the regional index changed +2.2% over the year to Q2 2026, +63.5% over five years, +128% over ten years, and +371% since Q1 1995.
- Is ZIP3 299 appreciating faster than South Carolina and the U.S.?
- Over the past year the region's index +2.2% compares with +3.8% for South Carolina and +3.0% for the U.S., a gap of −0.9 pts versus the nation. Over five years the gap versus the nation is +22.3 pts.
- Which ZIP codes are in 3-digit ZIP region 299?
- All ZIP codes that begin with 299. Census 2010 ZIP Code Tabulation Areas in this region run from 29902 to 29945 (31 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.