3-digit ZIP regional index
Home appreciation in ZIP codes 320xxSt. Augustine, FL area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 320 changed +2.9% over the year to Q2 2026, compared with +1.4% for Florida and +3.0% for the United States.
The region covers ZIP codes 32003–32097. Most of its 2010 population lived in Clay County (29%), St. Johns County (25%), Nassau County (12%). Communities in the region include Lakeside, Fleming Island, Oakleaf Plantation, Palm Valley, Bellair-Meadowbrook Terrace. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +2.9%
- 5-year change
- +48.3%
- Since Q1 1995
- +380%
- National rank (1 year)
- 571st
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 320 vs Florida and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 320: 480.1
- Florida: 500.7
- Jacksonville, FL metro: 458.9
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 320 | FL | U.S. | Gap vs FL | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +2.9% | +1.4% | +3.0% | +1.5 pts | −0.1 pts |
| 3 years | +6.9% | +6.6% | +12.9% | +0.3 pts | −6.0 pts |
| 5 years | +48.3% | +46.0% | +41.3% | +2.3 pts | +7.0 pts |
| 10 years | +120% | +120% | +93.3% | −0.2 pts | +26.5 pts |
| Since Q1 1995 | +380% | +401% | +292% | −20.6 pts | +88.5 pts |
If you bought in ZIP3 320 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 | +373% | $1,420,045 |
| Q2 2000 | +265% | $1,094,800 |
| Q2 2005 | +118% | $655,237 |
| Q2 2010 | +143% | $729,294 |
| Q2 2015 | +135% | $706,228 |
| Q2 2020 | +70.0% | $509,935 |
| Q2 2021 | +48.3% | $444,839 |
| Q2 2023 | +6.9% | $320,645 |
| Q2 2025 | +2.9% | $308,661 |
How ZIP3 320 ranks
Over the past year ZIP3 320 ranks 571st of 882 3-digit ZIP regions nationally and 6th of 25 in Florida. Its one-year change is −0.1 pts versus the nation and +1.5 pts versus Florida. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Florida |
|---|---|---|
| 1 year | 571st of 882 | 6th of 25 |
| 3 years | 792nd of 882 | 14th of 25 |
| 5 years | 313th of 882 | 7th of 25 |
| 10 years | 97th of 882 | 14th of 25 |
| Since Q1 1995 | 113th of 879 | 9th of 25 |
Boom, bust, and recovery in ZIP3 320
ZIP3 320's index peaked in Q2 2007, fell 36.8% to its low in Q2 2012, and regained its peak in Q4 2019, about 12.5 years after the top. Today it sits +75.8% 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 320 | Q2 2007 | Q2 2012 | -36.8% | Q4 2019 (12.5 yrs) | +75.8% |
| FL | Q4 2006 | Q2 2012 | -44.7% | Q1 2020 (13.2 yrs) | +72.0% |
| Metro | Q2 2007 | Q2 2012 | -38.2% | Q2 2019 (12 yrs) | +71.1% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 320's index has changed +117% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 320 after inflation | FL after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -0.9% | -2.4% | -3.6% | -0.8% |
| 3 years | +9.8% | -2.7% | -2.9% | -4.9% | +2.8% |
| 5 years | +24.0% | +19.6% | +17.7% | +13.3% | +13.9% |
| 10 years | +39.1% | +58.0% | +58.2% | +50.9% | +39.0% |
| Since Q1 1995 | +121% | +117% | +126% | +107% | +76.8% |
Estimate appreciation for a home in ZIP3 320
Regional estimate
$659,376
- Estimated gain
- $359,376
- Index change
- +120%
- Start index
- 218.42
- End index
- 480.07
ZIP3 320 (St. Augustine, FL 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 |
|---|---|---|---|---|
| 322 · Jacksonville, FL area | FL | -0.5% | +38.9% | +353% |
| 326 · Gainesville, FL area | FL | +1.6% | +44.0% | +312% |
| 321 · Palm Coast, FL area | FL | +0.3% | +38.5% | +338% |
| 344 · Ocala, FL area | FL | +3.8% | +51.8% | +313% |
| 315 · St. Marys, GA area | GA | +3.8% | +56.0% | +280% |
| 316 · Valdosta, GA area | GA | +10.0% | +56.7% | +207% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 480.07 |
| Q1 2026 | 475.60 |
| Q4 2025 | 475.26 |
| Q3 2025 | 468.69 |
| Q2 2025 | 466.60 |
| Q1 2025 | 467.39 |
| Q4 2024 | 457.20 |
| Q3 2024 | 456.63 |
| Q2 2024 | 452.40 |
| Q1 2024 | 455.21 |
| Q4 2023 | 447.93 |
| Q3 2023 | 448.87 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 320?
- Based on FHFA HPI® data for 3-digit ZIP region 320, the regional index changed +2.9% over the year to Q2 2026, +48.3% over five years, +120% over ten years, and +380% since Q1 1995.
- Is ZIP3 320 appreciating faster than Florida and the U.S.?
- Over the past year the region's index +2.9% compares with +1.4% for Florida and +3.0% for the U.S., a gap of −0.1 pts versus the nation. Over five years the gap versus the nation is +7.0 pts.
- Which ZIP codes are in 3-digit ZIP region 320?
- All ZIP codes that begin with 320. Census 2010 ZIP Code Tabulation Areas in this region run from 32003 to 32097 (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.