3-digit ZIP regional index
Home appreciation in ZIP codes 314xxSavannah, GA area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 314 changed +2.7% over the year to Q2 2026, compared with +1.9% for Georgia and +3.0% for the United States.
The region covers ZIP codes 31401–31419. Most of its 2010 population lived in Chatham County (100%). Communities in the region include Wilmington Island, Georgetown, Garden City, Skidaway Island, Whitemarsh Island. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +2.7%
- 5-year change
- +62.5%
- Since Q1 1995
- +394%
- National rank (1 year)
- 594th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 314 vs Georgia and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 314: 493.6
- Georgia: 375.3
- Savannah, GA metro: 469.9
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 314 | GA | U.S. | Gap vs GA | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +2.7% | +1.9% | +3.0% | +0.8 pts | −0.3 pts |
| 3 years | +12.2% | +10.9% | +12.9% | +1.3 pts | −0.7 pts |
| 5 years | +62.5% | +47.6% | +41.3% | +14.9 pts | +21.3 pts |
| 10 years | +123% | +112% | +93.3% | +10.3 pts | +29.2 pts |
| Since Q1 1995 | +394% | +275% | +292% | +118.3 pts | +102.0 pts |
If you bought in ZIP3 314 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 | +397% | $1,490,728 |
| Q2 2000 | +278% | $1,134,580 |
| Q2 2005 | +152% | $756,329 |
| Q2 2010 | +142% | $725,889 |
| Q2 2015 | +134% | $702,372 |
| Q2 2020 | +82.4% | $547,267 |
| Q2 2021 | +62.5% | $487,647 |
| Q2 2023 | +12.2% | $336,509 |
| Q2 2025 | +2.7% | $308,154 |
How ZIP3 314 ranks
Over the past year ZIP3 314 ranks 594th of 882 3-digit ZIP regions nationally and 11th of 20 in Georgia. Its one-year change is −0.3 pts versus the nation and +0.8 pts versus Georgia. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Georgia |
|---|---|---|
| 1 year | 594th of 882 | 11th of 20 |
| 3 years | 630th of 882 | 14th of 20 |
| 5 years | 27th of 882 | 2nd of 20 |
| 10 years | 83rd of 882 | 5th of 20 |
| Since Q1 1995 | 86th of 879 | 1st of 20 |
Boom, bust, and recovery in ZIP3 314
ZIP3 314's index peaked in Q2 2007, fell 23.2% to its low in Q3 2012, and regained its peak in Q1 2018, about 10.8 years after the top. Today it sits +111% 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 314 | Q2 2007 | Q3 2012 | -23.2% | Q1 2018 (10.8 yrs) | +111% |
| GA | Q1 2008 | Q2 2012 | -24.4% | Q2 2017 (9.2 yrs) | +103% |
| Metro | Q2 2007 | Q2 2012 | -23.4% | Q2 2018 (11 yrs) | +104% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 314's index has changed +123% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 314 after inflation | GA after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -1.1% | -1.9% | -0.5% | -0.8% |
| 3 years | +9.8% | +2.1% | +1.0% | +3.9% | +2.8% |
| 5 years | +24.0% | +31.1% | +19.0% | +31.8% | +13.9% |
| 10 years | +39.1% | +60.0% | +52.6% | +58.5% | +39.0% |
| Since Q1 1995 | +121% | +123% | +69.5% | +112% | +76.8% |
Estimate appreciation for a home in ZIP3 314
Regional estimate
$667,571
- Estimated gain
- $367,571
- Index change
- +123%
- Start index
- 221.81
- End index
- 493.58
ZIP3 314 (Savannah, 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 |
|---|---|---|---|---|
| 313 · Hinesville, GA area | GA | +3.2% | +63.3% | +308% |
| 299 · Hilton Head Island, SC area | SC | +2.2% | +63.5% | +371% |
| 304 · Statesboro, GA area | GA | +3.4% | +56.5% | +283% |
| 315 · St. Marys, GA area | GA | +3.8% | +56.0% | +280% |
| 294 · Charleston, SC area | SC | +4.5% | +60.9% | +523% |
| 298 · Aiken, SC area | SC | +5.1% | +56.6% | +248% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 493.58 |
| Q1 2026 | 482.10 |
| Q4 2025 | 488.52 |
| Q3 2025 | 493.41 |
| Q2 2025 | 480.52 |
| Q1 2025 | 472.04 |
| Q4 2024 | 462.60 |
| Q3 2024 | 481.35 |
| Q2 2024 | 467.33 |
| Q1 2024 | 451.99 |
| Q4 2023 | 455.30 |
| Q3 2023 | 442.29 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 314?
- Based on FHFA HPI® data for 3-digit ZIP region 314, the regional index changed +2.7% over the year to Q2 2026, +62.5% over five years, +123% over ten years, and +394% since Q1 1995.
- Is ZIP3 314 appreciating faster than Georgia and the U.S.?
- Over the past year the region's index +2.7% compares with +1.9% for Georgia and +3.0% for the U.S., a gap of −0.3 pts versus the nation. Over five years the gap versus the nation is +21.3 pts.
- Which ZIP codes are in 3-digit ZIP region 314?
- All ZIP codes that begin with 314. Census 2010 ZIP Code Tabulation Areas in this region run from 31401 to 31419 (11 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.