3-digit ZIP regional index
Home appreciation in ZIP codes 326xxGainesville, FL area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 326 changed +1.6% over the year to Q2 2026, compared with +1.4% for Florida and +3.0% for the United States.
The region covers ZIP codes 32601–32697. Most of its 2010 population lived in Alachua County (69%), Levy County (10%). Communities in the region include Alachua, High Springs, Newberry, Williston, Williston Highlands. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +1.6%
- 5-year change
- +44.0%
- Since Q1 1995
- +312%
- National rank (1 year)
- 707th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 326 vs Florida and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 326: 412.3
- Florida: 500.7
- Gainesville, FL metro: 405.5
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 326 | FL | U.S. | Gap vs FL | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +1.6% | +1.4% | +3.0% | +0.2 pts | −1.5 pts |
| 3 years | +10.1% | +6.6% | +12.9% | +3.5 pts | −2.7 pts |
| 5 years | +44.0% | +46.0% | +41.3% | −2.0 pts | +2.7 pts |
| 10 years | +113% | +120% | +93.3% | −6.8 pts | +19.8 pts |
| Since Q1 1995 | +312% | +401% | +292% | −88.4 pts | +20.7 pts |
If you bought in ZIP3 326 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 | +306% | $1,218,231 |
| Q2 2000 | +235% | $1,006,158 |
| Q2 2005 | +105% | $615,879 |
| Q2 2010 | +109% | $626,010 |
| Q2 2015 | +123% | $669,193 |
| Q2 2020 | +61.2% | $483,700 |
| Q2 2021 | +43.9% | $431,838 |
| Q2 2023 | +10.1% | $330,405 |
| Q2 2025 | +1.6% | $304,685 |
How ZIP3 326 ranks
Over the past year ZIP3 326 ranks 707th of 882 3-digit ZIP regions nationally and 13th of 25 in Florida. Its one-year change is −1.5 pts versus the nation and +0.2 pts versus Florida. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Florida |
|---|---|---|
| 1 year | 707th of 882 | 13th of 25 |
| 3 years | 710th of 882 | 7th of 25 |
| 5 years | 455th of 882 | 17th of 25 |
| 10 years | 152nd of 882 | 19th of 25 |
| Since Q1 1995 | 269th of 879 | 23rd of 25 |
Boom, bust, and recovery in ZIP3 326
ZIP3 326's index peaked in Q3 2007, fell 34.9% to its low in Q3 2012, and regained its peak in Q2 2020, about 12.8 years after the top. Today it sits +61.7% 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 326 | Q3 2007 | Q3 2012 | -34.9% | Q2 2020 (12.8 yrs) | +61.7% |
| FL | Q4 2006 | Q2 2012 | -44.7% | Q1 2020 (13.2 yrs) | +72.0% |
| Metro | Q3 2007 | Q3 2012 | -34.9% | Q1 2020 (12.5 yrs) | +61.3% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 326's index has changed +86.2% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 326 after inflation | FL after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -2.2% | -2.4% | -2.5% | -0.8% |
| 3 years | +9.8% | +0.3% | -2.9% | -0.2% | +2.8% |
| 5 years | +24.0% | +16.1% | +17.7% | +15.0% | +13.9% |
| 10 years | +39.1% | +53.3% | +58.2% | +51.9% | +39.0% |
| Since Q1 1995 | +121% | +86.2% | +126% | +83.2% | +76.8% |
Estimate appreciation for a home in ZIP3 326
Regional estimate
$639,441
- Estimated gain
- $339,441
- Index change
- +113%
- Start index
- 193.43
- End index
- 412.29
ZIP3 326 (Gainesville, 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 |
|---|---|---|---|---|
| 344 · Ocala, FL area | FL | +3.8% | +51.8% | +313% |
| 320 · St. Augustine, FL area | FL | +2.9% | +48.3% | +380% |
| 322 · Jacksonville, FL area | FL | -0.5% | +38.9% | +353% |
| 321 · Palm Coast, FL area | FL | +0.3% | +38.5% | +338% |
| 327 · Deltona, FL area | FL | +2.1% | +43.1% | +359% |
| 346 · Dunedin, FL area | FL | +0.5% | +45.6% | +391% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 412.29 |
| Q1 2026 | 411.65 |
| Q4 2025 | 422.82 |
| Q3 2025 | 414.34 |
| Q2 2025 | 405.95 |
| Q1 2025 | 404.36 |
| Q4 2024 | 415.66 |
| Q3 2024 | 407.05 |
| Q2 2024 | 391.38 |
| Q1 2024 | 393.12 |
| Q4 2023 | 389.70 |
| Q3 2023 | 398.17 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 326?
- Based on FHFA HPI® data for 3-digit ZIP region 326, the regional index changed +1.6% over the year to Q2 2026, +44.0% over five years, +113% over ten years, and +312% since Q1 1995.
- Is ZIP3 326 appreciating faster than Florida and the U.S.?
- Over the past year the region's index +1.6% compares with +1.4% for Florida and +3.0% for the U.S., a gap of −1.5 pts versus the nation. Over five years the gap versus the nation is +2.7 pts.
- Which ZIP codes are in 3-digit ZIP region 326?
- All ZIP codes that begin with 326. Census 2010 ZIP Code Tabulation Areas in this region run from 32601 to 32697 (41 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.