3-digit ZIP regional index
Home appreciation in ZIP codes 305xxGainesville, GA area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 305 changed +2.6% over the year to Q2 2026, compared with +1.9% for Georgia and +3.0% for the United States.
The region covers ZIP codes 30501–30582. Most of its 2010 population lived in Hall County (29%), Gwinnett County (14%), Jackson County (9%). Communities in the region include Sugar Hill, Buford, Jefferson, Toccoa, Braselton. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +2.6%
- 5-year change
- +56.5%
- Since Q1 1995
- +319%
- National rank (1 year)
- 605th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 305 vs Georgia and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 305: 418.8
- Georgia: 375.3
- Gainesville, GA metro: 419.2
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 305 | GA | U.S. | Gap vs GA | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +2.6% | +1.9% | +3.0% | +0.7 pts | −0.4 pts |
| 3 years | +14.2% | +10.9% | +12.9% | +3.3 pts | +1.4 pts |
| 5 years | +56.5% | +47.6% | +41.3% | +8.9 pts | +15.2 pts |
| 10 years | +133% | +112% | +93.3% | +21.2 pts | +40.1 pts |
| Since Q1 1995 | +319% | +275% | +292% | +43.5 pts | +27.3 pts |
If you bought in ZIP3 305 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 | +310% | $1,228,870 |
| Q2 2000 | +208% | $925,000 |
| Q2 2005 | +136% | $707,381 |
| Q2 2010 | +156% | $769,078 |
| Q2 2015 | +146% | $738,131 |
| Q2 2020 | +81.0% | $543,125 |
| Q2 2021 | +56.5% | $469,604 |
| Q2 2023 | +14.2% | $342,619 |
| Q2 2025 | +2.6% | $307,774 |
How ZIP3 305 ranks
Over the past year ZIP3 305 ranks 605th of 882 3-digit ZIP regions nationally and 12th of 20 in Georgia. Its one-year change is −0.4 pts versus the nation and +0.7 pts versus Georgia. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Georgia |
|---|---|---|
| 1 year | 605th of 882 | 12th of 20 |
| 3 years | 515th of 882 | 12th of 20 |
| 5 years | 95th of 882 | 5th of 20 |
| 10 years | 22nd of 882 | 2nd of 20 |
| Since Q1 1995 | 252nd of 879 | 4th of 20 |
Boom, bust, and recovery in ZIP3 305
ZIP3 305's index peaked in Q1 2008, fell 27.9% to its low in Q2 2012, and regained its peak in Q1 2018, about 10 years after the top. Today it sits +108% 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 305 | Q1 2008 | Q2 2012 | -27.9% | Q1 2018 (10 yrs) | +108% |
| GA | Q1 2008 | Q2 2012 | -24.4% | Q2 2017 (9.2 yrs) | +103% |
| Metro | Q1 2008 | Q3 2012 | -32.1% | Q1 2018 (10 yrs) | +112% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 305's index has changed +89.2% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 305 after inflation | GA after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -1.2% | -1.9% | -1.1% | -0.8% |
| 3 years | +9.8% | +4.0% | +1.0% | +3.3% | +2.8% |
| 5 years | +24.0% | +26.2% | +19.0% | +28.9% | +13.9% |
| 10 years | +39.1% | +67.8% | +52.6% | +67.8% | +39.0% |
| Since Q1 1995 | +121% | +89.2% | +69.5% | +89.3% | +76.8% |
Estimate appreciation for a home in ZIP3 305
Regional estimate
$700,167
- Estimated gain
- $400,167
- Index change
- +133%
- Start index
- 179.46
- End index
- 418.84
ZIP3 305 (Gainesville, GA 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 |
|---|---|---|---|---|
| 300 · Roswell, GA area | GA | -0.6% | +43.3% | +270% |
| 306 · Athens-Clarke County, GA area | GA | +0.9% | +53.6% | +325% |
| 289 · Andrews, NC area | NC | +3.4% | +57.2% | +279% |
| 303 · Atlanta, GA area | GA | +1.3% | +32.8% | +387% |
| 301 · Rome, GA area | GA | +1.6% | +48.6% | +272% |
| 307 · Dalton, GA area | GA | +4.2% | +56.0% | +282% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 418.84 |
| Q1 2026 | 414.72 |
| Q4 2025 | 410.87 |
| Q3 2025 | 412.48 |
| Q2 2025 | 408.26 |
| Q1 2025 | 398.90 |
| Q4 2024 | 395.15 |
| Q3 2024 | 392.12 |
| Q2 2024 | 389.51 |
| Q1 2024 | 382.04 |
| Q4 2023 | 375.55 |
| Q3 2023 | 374.22 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 305?
- Based on FHFA HPI® data for 3-digit ZIP region 305, the regional index changed +2.6% over the year to Q2 2026, +56.5% over five years, +133% over ten years, and +319% since Q1 1995.
- Is ZIP3 305 appreciating faster than Georgia and the U.S.?
- Over the past year the region's index +2.6% compares with +1.9% for Georgia and +3.0% for the U.S., a gap of −0.4 pts versus the nation. Over five years the gap versus the nation is +15.2 pts.
- Which ZIP codes are in 3-digit ZIP region 305?
- All ZIP codes that begin with 305. Census 2010 ZIP Code Tabulation Areas in this region run from 30501 to 30582 (60 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.