3-digit ZIP regional index
Home appreciation in ZIP codes 315xxSt. Marys, GA area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 315 changed +3.8% over the year to Q2 2026, compared with +1.9% for Georgia and +3.0% for the United States.
The region covers ZIP codes 31501–31569. Most of its 2010 population lived in Glynn County (24%), Camden County (15%), Coffee County (12%). Communities in the region include Kingsland, Brunswick, Waycross, St. Simons, Douglas. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +3.8%
- 5-year change
- +56.0%
- Since Q1 1995
- +280%
- National rank (1 year)
- 423rd
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 315 vs Georgia and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 315: 380.3
- Georgia: 375.3
- Brunswick-St. Simons, GA metro: 385.3
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 315 | GA | U.S. | Gap vs GA | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +3.8% | +1.9% | +3.0% | +1.9 pts | +0.8 pts |
| 3 years | +16.9% | +10.9% | +12.9% | +6.0 pts | +4.0 pts |
| 5 years | +56.0% | +47.6% | +41.3% | +8.4 pts | +14.7 pts |
| 10 years | +104% | +112% | +93.3% | −7.8 pts | +11.1 pts |
| Since Q1 1995 | +280% | +275% | +292% | +5.0 pts | −11.3 pts |
If you bought in ZIP3 315 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 | +276% | $1,128,591 |
| Q2 2000 | +201% | $902,088 |
| Q2 2005 | +115% | $644,727 |
| Q2 2010 | +106% | $618,074 |
| Q2 2015 | +120% | $658,839 |
| Q2 2020 | +71.9% | $515,653 |
| Q2 2021 | +55.9% | $467,840 |
| Q2 2023 | +16.9% | $350,707 |
| Q2 2025 | +3.8% | $311,467 |
How ZIP3 315 ranks
Over the past year ZIP3 315 ranks 423rd of 882 3-digit ZIP regions nationally and 6th of 20 in Georgia. Its one-year change is +0.8 pts versus the nation and +1.9 pts versus Georgia. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Georgia |
|---|---|---|
| 1 year | 423rd of 882 | 6th of 20 |
| 3 years | 356th of 882 | 7th of 20 |
| 5 years | 104th of 882 | 9th of 20 |
| 10 years | 262nd of 882 | 13th of 20 |
| Since Q1 1995 | 374th of 879 | 9th of 20 |
Boom, bust, and recovery in ZIP3 315
ZIP3 315's index peaked in Q1 2008, fell 24.7% to its low in Q2 2012, and regained its peak in Q3 2019, about 11.5 years after the top. Today it sits +78.6% 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 315 | Q1 2008 | Q2 2012 | -24.7% | Q3 2019 (11.5 yrs) | +78.6% |
| GA | Q1 2008 | Q2 2012 | -24.4% | Q2 2017 (9.2 yrs) | +103% |
| Metro | Q2 2008 | Q2 2012 | -31.4% | Q2 2020 (12 yrs) | +64.2% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 315's index has changed +71.8% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 315 after inflation | GA after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -0.0% | -1.9% | -8.4% | -0.8% |
| 3 years | +9.8% | +6.5% | +1.0% | +0.0% | +2.8% |
| 5 years | +24.0% | +25.7% | +19.0% | +19.6% | +13.9% |
| 10 years | +39.1% | +47.0% | +52.6% | +42.3% | +39.0% |
| Since Q1 1995 | +121% | +71.8% | +69.5% | +74.0% | +76.8% |
Estimate appreciation for a home in ZIP3 315
Regional estimate
$613,257
- Estimated gain
- $313,257
- Index change
- +104%
- Start index
- 186.02
- End index
- 380.26
ZIP3 315 (St. Marys, 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% |
| 314 · Savannah, GA area | GA | +2.7% | +62.5% | +394% |
| 322 · Jacksonville, FL area | FL | -0.5% | +38.9% | +353% |
| 304 · Statesboro, GA area | GA | +3.4% | +56.5% | +283% |
| 316 · Valdosta, GA area | GA | +10.0% | +56.7% | +207% |
| 320 · St. Augustine, FL area | FL | +2.9% | +48.3% | +380% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 380.26 |
| Q1 2026 | 382.59 |
| Q4 2025 | 375.33 |
| Q3 2025 | 366.03 |
| Q2 2025 | 366.26 |
| Q1 2025 | 364.35 |
| Q4 2024 | 370.57 |
| Q3 2024 | 345.23 |
| Q2 2024 | 345.61 |
| Q1 2024 | 347.99 |
| Q4 2023 | 330.61 |
| Q3 2023 | 338.42 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 315?
- Based on FHFA HPI® data for 3-digit ZIP region 315, the regional index changed +3.8% over the year to Q2 2026, +56.0% over five years, +104% over ten years, and +280% since Q1 1995.
- Is ZIP3 315 appreciating faster than Georgia and the U.S.?
- Over the past year the region's index +3.8% compares with +1.9% for Georgia and +3.0% for the U.S., a gap of +0.8 pts versus the nation. Over five years the gap versus the nation is +14.7 pts.
- Which ZIP codes are in 3-digit ZIP region 315?
- All ZIP codes that begin with 315. Census 2010 ZIP Code Tabulation Areas in this region run from 31501 to 31569 (45 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.