3-digit ZIP regional index
Home appreciation in ZIP codes 321xxPalm Coast, FL area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 321 changed +0.3% over the year to Q2 2026, compared with +1.4% for Florida and +3.0% for the United States.
The region covers ZIP codes 32102–32195. Most of its 2010 population lived in Volusia County (52%), Flagler County (17%), Putnam County (12%). Communities in the region include Daytona Beach, Port Orange, The Villages, Ormond Beach, New Smyrna Beach. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +0.3%
- 5-year change
- +38.5%
- Since Q1 1995
- +338%
- National rank (1 year)
- 808th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 321 vs Florida and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 321: 438.3
- Florida: 500.7
- Deltona-Daytona Beach-Ormond Beach, FL metro: 446.6
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 321 | FL | U.S. | Gap vs FL | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +0.3% | +1.4% | +3.0% | −1.1 pts | −2.8 pts |
| 3 years | +2.4% | +6.6% | +12.9% | −4.3 pts | −10.5 pts |
| 5 years | +38.5% | +46.0% | +41.3% | −7.5 pts | −2.8 pts |
| 10 years | +99.0% | +120% | +93.3% | −21.0 pts | +5.6 pts |
| Since Q1 1995 | +338% | +401% | +292% | −62.4 pts | +46.8 pts |
If you bought in ZIP3 321 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 | +326% | $1,278,215 |
| Q2 2000 | +264% | $1,093,381 |
| Q2 2005 | +87.4% | $562,139 |
| Q2 2010 | +141% | $723,267 |
| Q2 2015 | +110% | $628,868 |
| Q2 2020 | +54.7% | $464,039 |
| Q2 2021 | +38.5% | $415,490 |
| Q2 2023 | +2.4% | $307,083 |
| Q2 2025 | +0.3% | $300,782 |
How ZIP3 321 ranks
Over the past year ZIP3 321 ranks 808th of 882 3-digit ZIP regions nationally and 19th of 25 in Florida. Its one-year change is −2.8 pts versus the nation and −1.1 pts versus Florida. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Florida |
|---|---|---|
| 1 year | 808th of 882 | 19th of 25 |
| 3 years | 861st of 882 | 23rd of 25 |
| 5 years | 644th of 882 | 23rd of 25 |
| 10 years | 334th of 882 | 23rd of 25 |
| Since Q1 1995 | 195th of 879 | 18th of 25 |
Boom, bust, and recovery in ZIP3 321
ZIP3 321's index peaked in Q3 2006, fell 38.9% to its low in Q2 2012, and regained its peak in Q1 2020, about 13.5 years after the top. Today it sits +58.4% 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 321 | Q3 2006 | Q2 2012 | -38.9% | Q1 2020 (13.5 yrs) | +58.4% |
| FL | Q4 2006 | Q2 2012 | -44.7% | Q1 2020 (13.2 yrs) | +72.0% |
| Metro | Q3 2006 | Q1 2012 | -50.2% | Q4 2020 (14.2 yrs) | +55.9% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 321's index has changed +98.0% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 321 after inflation | FL after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -3.5% | -2.4% | -3.9% | -0.8% |
| 3 years | +9.8% | -6.8% | -2.9% | -5.8% | +2.8% |
| 5 years | +24.0% | +11.7% | +17.7% | +11.8% | +13.9% |
| 10 years | +39.1% | +43.0% | +58.2% | +59.4% | +39.0% |
| Since Q1 1995 | +121% | +98.0% | +126% | +102% | +76.8% |
Estimate appreciation for a home in ZIP3 321
Regional estimate
$596,868
- Estimated gain
- $296,868
- Index change
- +98.96%
- Start index
- 220.30
- End index
- 438.30
ZIP3 321 (Palm Coast, 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 |
|---|---|---|---|---|
| 327 · Deltona, FL area | FL | +2.1% | +43.1% | +359% |
| 328 · Orlando, FL area | FL | +2.3% | +46.1% | +369% |
| 347 · Kissimmee, FL area | FL | +0.4% | +47.8% | +334% |
| 344 · Ocala, FL area | FL | +3.8% | +51.8% | +313% |
| 326 · Gainesville, FL area | FL | +1.6% | +44.0% | +312% |
| 320 · St. Augustine, FL area | FL | +2.9% | +48.3% | +380% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 438.30 |
| Q1 2026 | 438.66 |
| Q4 2025 | 433.92 |
| Q3 2025 | 435.70 |
| Q2 2025 | 437.16 |
| Q1 2025 | 432.19 |
| Q4 2024 | 438.33 |
| Q3 2024 | 438.17 |
| Q2 2024 | 437.15 |
| Q1 2024 | 426.21 |
| Q4 2023 | 432.75 |
| Q3 2023 | 430.05 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 321?
- Based on FHFA HPI® data for 3-digit ZIP region 321, the regional index changed +0.3% over the year to Q2 2026, +38.5% over five years, +99.0% over ten years, and +338% since Q1 1995.
- Is ZIP3 321 appreciating faster than Florida and the U.S.?
- Over the past year the region's index +0.3% compares with +1.4% for Florida and +3.0% for the U.S., a gap of −2.8 pts versus the nation. Over five years the gap versus the nation is −2.8 pts.
- Which ZIP codes are in 3-digit ZIP region 321?
- All ZIP codes that begin with 321. Census 2010 ZIP Code Tabulation Areas in this region run from 32102 to 32195 (42 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.