3-digit ZIP regional index
Home appreciation in ZIP codes 316xxValdosta, GA area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 316 changed +10.0% over the year to Q2 2026, compared with +1.9% for Georgia and +3.0% for the United States.
The region covers ZIP codes 31601–31699. Most of its 2010 population lived in Lowndes County (57%), Cook County (9%), Berrien County (9%). Communities in the region include Adel, Nashville, Quitman, Lakeland, Hahira. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +10.0%
- 5-year change
- +56.7%
- Since Q1 1995
- +207%
- National rank (1 year)
- 7th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 316 vs Georgia and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 316: 307.1
- Georgia: 375.3
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 316 | GA | U.S. | Gap vs GA | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +10.0% | +1.9% | +3.0% | +8.1 pts | +7.0 pts |
| 3 years | +31.3% | +10.9% | +12.9% | +20.4 pts | +18.4 pts |
| 5 years | +56.7% | +47.6% | +41.3% | +9.1 pts | +15.4 pts |
| 10 years | +89.5% | +112% | +93.3% | −22.7 pts | −3.8 pts |
| Since Q1 1995 | +207% | +275% | +292% | −68.2 pts | −84.4 pts |
If you bought in ZIP3 316 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 | +191% | $872,970 |
| Q2 2000 | +154% | $761,882 |
| Q2 2005 | +101% | $602,039 |
| Q2 2010 | +82.1% | $546,221 |
| Q2 2015 | +92.5% | $577,548 |
| Q2 2020 | +67.8% | $503,481 |
| Q2 2021 | +56.7% | $470,136 |
| Q2 2023 | +31.3% | $393,769 |
| Q2 2025 | +10.0% | $330,104 |
How ZIP3 316 ranks
Over the past year ZIP3 316 ranks 7th of 882 3-digit ZIP regions nationally and 1st of 20 in Georgia. Its one-year change is +7.0 pts versus the nation and +8.1 pts versus Georgia. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Georgia |
|---|---|---|
| 1 year | 7th of 882 | 1st of 20 |
| 3 years | 2nd of 882 | 1st of 20 |
| 5 years | 90th of 882 | 4th of 20 |
| 10 years | 470th of 882 | 16th of 20 |
| Since Q1 1995 | 750th of 879 | 16th of 20 |
Boom, bust, and recovery in ZIP3 316
ZIP3 316's index peaked in Q2 2008, fell 17.4% to its low in Q1 2014, and regained its peak in Q1 2021, about 12.8 years after the top. Today it sits +65.8% 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 316 | Q2 2008 | Q1 2014 | -17.4% | Q1 2021 (12.8 yrs) | +65.8% |
| GA | Q1 2008 | Q2 2012 | -24.4% | Q2 2017 (9.2 yrs) | +103% |
| Metro | Q2 2008 | Q1 2014 | -17.4% | Q1 2021 (12.8 yrs) | +65.8% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 316's index has changed +38.7% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 316 after inflation | GA after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +5.9% | -1.9% | +5.9% | -0.8% |
| 3 years | +9.8% | +19.5% | +1.0% | +19.5% | +2.8% |
| 5 years | +24.0% | +26.4% | +19.0% | +26.4% | +13.9% |
| 10 years | +39.1% | +36.2% | +52.6% | +36.2% | +39.0% |
| Since Q1 1995 | +121% | +38.7% | +69.5% | +38.7% | +76.8% |
Estimate appreciation for a home in ZIP3 316
Regional estimate
$568,462
- Estimated gain
- $268,462
- Index change
- +89.49%
- Start index
- 162.09
- End index
- 307.14
ZIP3 316 (Valdosta, GA area), Q2 2016 to Q2 2026. Index type: MSA/MSAD Index.
Nearby 3-digit ZIP regions
| 3-digit ZIP region | State | 1 year | 5 years | Since Q1 1995 |
|---|---|---|---|---|
| 317 · Albany, GA area | GA | +4.6% | +48.5% | +202% |
| 323 · Tallahassee, FL area | FL | +5.0% | +42.3% | +251% |
| 315 · St. Marys, GA area | GA | +3.8% | +56.0% | +280% |
| 398 · Bainbridge, GA area | GA | +3.4% | +56.5% | +283% |
| 320 · St. Augustine, FL area | FL | +2.9% | +48.3% | +380% |
| 326 · Gainesville, FL area | FL | +1.6% | +44.0% | +312% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 307.14 |
| Q1 2026 | 297.01 |
| Q4 2025 | 292.93 |
| Q3 2025 | 273.43 |
| Q2 2025 | 279.13 |
| Q1 2025 | 278.54 |
| Q4 2024 | 281.44 |
| Q3 2024 | 262.28 |
| Q2 2024 | 275.82 |
| Q1 2024 | 253.19 |
| Q4 2023 | 256.90 |
| Q3 2023 | 259.00 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 316?
- Based on FHFA HPI® data for 3-digit ZIP region 316, the regional index changed +10.0% over the year to Q2 2026, +56.7% over five years, +89.5% over ten years, and +207% since Q1 1995.
- Is ZIP3 316 appreciating faster than Georgia and the U.S.?
- Over the past year the region's index +10.0% compares with +1.9% for Georgia and +3.0% for the U.S., a gap of +7.0 pts versus the nation. Over five years the gap versus the nation is +15.4 pts.
- Which ZIP codes are in 3-digit ZIP region 316?
- All ZIP codes that begin with 316. Census 2010 ZIP Code Tabulation Areas in this region run from 31601 to 31699 (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.