3-digit ZIP regional index
Home appreciation in ZIP codes 325xxPensacola, FL area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 325 changed +1.7% over the year to Q2 2026, compared with +1.4% for Florida and +3.0% for the United States.
The region covers ZIP codes 32501–32583. Most of its 2010 population lived in Escambia County (47%), Okaloosa County (28%), Santa Rosa County (24%). Communities in the region include Navarre, Ferry Pass, Bellview, Wright, Brent. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +1.7%
- 5-year change
- +40.8%
- Since Q1 1995
- +324%
- National rank (1 year)
- 694th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 325 vs Florida and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 325: 424.0
- Florida: 500.7
- Pensacola-Ferry Pass-Brent, FL metro: 422.5
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 325 | FL | U.S. | Gap vs FL | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +1.7% | +1.4% | +3.0% | +0.3 pts | −1.3 pts |
| 3 years | +7.6% | +6.6% | +12.9% | +1.0 pts | −5.3 pts |
| 5 years | +40.8% | +46.0% | +41.3% | −5.3 pts | −0.5 pts |
| 10 years | +118% | +120% | +93.3% | −1.6 pts | +25.0 pts |
| Since Q1 1995 | +324% | +401% | +292% | −76.7 pts | +32.5 pts |
If you bought in ZIP3 325 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 | +320% | $1,260,434 |
| Q2 2000 | +244% | $1,031,989 |
| Q2 2005 | +98.2% | $594,740 |
| Q2 2010 | +139% | $716,516 |
| Q2 2015 | +126% | $677,982 |
| Q2 2020 | +63.8% | $491,511 |
| Q2 2021 | +40.8% | $422,265 |
| Q2 2023 | +7.6% | $322,809 |
| Q2 2025 | +1.7% | $305,138 |
How ZIP3 325 ranks
Over the past year ZIP3 325 ranks 694th of 882 3-digit ZIP regions nationally and 12th of 25 in Florida. Its one-year change is −1.3 pts versus the nation and +0.3 pts versus Florida. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Florida |
|---|---|---|
| 1 year | 694th of 882 | 12th of 25 |
| 3 years | 778th of 882 | 13th of 25 |
| 5 years | 558th of 882 | 21st of 25 |
| 10 years | 114th of 882 | 16th of 25 |
| Since Q1 1995 | 220th of 879 | 21st of 25 |
Boom, bust, and recovery in ZIP3 325
ZIP3 325's index peaked in Q2 2006, fell 31.5% to its low in Q2 2012, and regained its peak in Q2 2019, about 13 years after the top. Today it sits +76.6% 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 325 | Q2 2006 | Q2 2012 | -31.5% | Q2 2019 (13 yrs) | +76.6% |
| FL | Q4 2006 | Q2 2012 | -44.7% | Q1 2020 (13.2 yrs) | +72.0% |
| Metro | Q1 2006 | Q2 2012 | -29.8% | Q3 2018 (12.5 yrs) | +85.3% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 325's index has changed +91.5% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 325 after inflation | FL after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -2.1% | -2.4% | -2.8% | -0.8% |
| 3 years | +9.8% | -2.0% | -2.9% | -0.8% | +2.8% |
| 5 years | +24.0% | +13.5% | +17.7% | +14.9% | +13.9% |
| 10 years | +39.1% | +57.0% | +58.2% | +59.9% | +39.0% |
| Since Q1 1995 | +121% | +91.5% | +126% | +90.8% | +76.8% |
Estimate appreciation for a home in ZIP3 325
Regional estimate
$655,044
- Estimated gain
- $355,044
- Index change
- +118%
- Start index
- 194.19
- End index
- 424.01
ZIP3 325 (Pensacola, 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 |
|---|---|---|---|---|
| 364 · Andalusia, AL area | AL | +5.2% | +49.8% | +237% |
| 365 · Daphne, AL area | AL | +5.9% | +48.6% | +282% |
| 366 · Mobile, AL area | AL | +1.6% | +40.7% | +208% |
| 324 · Panama City, FL area | FL | +5.7% | +46.4% | +348% |
| 363 · Dothan, AL area | AL | -1.1% | +41.4% | +176% |
| 395 · Gulfport, MS area | MS | +3.2% | +42.4% | +222% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 424.01 |
| Q1 2026 | 421.77 |
| Q4 2025 | 412.63 |
| Q3 2025 | 408.29 |
| Q2 2025 | 416.87 |
| Q1 2025 | 395.07 |
| Q4 2024 | 405.35 |
| Q3 2024 | 408.00 |
| Q2 2024 | 405.15 |
| Q1 2024 | 398.30 |
| Q4 2023 | 388.52 |
| Q3 2023 | 396.98 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 325?
- Based on FHFA HPI® data for 3-digit ZIP region 325, the regional index changed +1.7% over the year to Q2 2026, +40.8% over five years, +118% over ten years, and +324% since Q1 1995.
- Is ZIP3 325 appreciating faster than Florida and the U.S.?
- Over the past year the region's index +1.7% compares with +1.4% for Florida and +3.0% for the U.S., a gap of −1.3 pts versus the nation. Over five years the gap versus the nation is −0.5 pts.
- Which ZIP codes are in 3-digit ZIP region 325?
- All ZIP codes that begin with 325. Census 2010 ZIP Code Tabulation Areas in this region run from 32501 to 32583 (40 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.