3-digit ZIP regional index
Home appreciation in ZIP codes 349xxPort St. Lucie, FL area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 349 changed -1.2% over the year to Q2 2026, compared with +1.4% for Florida and +3.0% for the United States.
The region covers ZIP codes 34945–34997. Most of its 2010 population lived in St. Lucie County (63%), Martin County (27%), Okeechobee County (9%). Communities in the region include Fort Pierce, Palm City, Stuart, Jensen Beach, Lakewood Park. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- -1.2%
- 5-year change
- +44.7%
- Since Q1 1995
- +362%
- National rank (1 year)
- 860th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 349 vs Florida and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 349: 461.8
- Florida: 500.7
- Port St. Lucie, FL metro: 471.5
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 349 | FL | U.S. | Gap vs FL | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | -1.2% | +1.4% | +3.0% | −2.6 pts | −4.2 pts |
| 3 years | +3.8% | +6.6% | +12.9% | −2.8 pts | −9.0 pts |
| 5 years | +44.7% | +46.0% | +41.3% | −1.3 pts | +3.4 pts |
| 10 years | +130% | +120% | +93.3% | +9.6 pts | +36.3 pts |
| Since Q1 1995 | +362% | +401% | +292% | −38.8 pts | +70.3 pts |
If you bought in ZIP3 349 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 | +363% | $1,390,386 |
| Q2 2000 | +313% | $1,238,177 |
| Q2 2005 | +84.2% | $552,727 |
| Q2 2010 | +239% | $1,017,343 |
| Q2 2015 | +158% | $773,213 |
| Q2 2020 | +70.3% | $510,772 |
| Q2 2021 | +44.7% | $434,101 |
| Q2 2023 | +3.8% | $311,507 |
| Q2 2025 | -1.2% | $296,533 |
How ZIP3 349 ranks
Over the past year ZIP3 349 ranks 860th of 882 3-digit ZIP regions nationally and 24th of 25 in Florida. Its one-year change is −4.2 pts versus the nation and −2.6 pts versus Florida. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Florida |
|---|---|---|
| 1 year | 860th of 882 | 24th of 25 |
| 3 years | 844th of 882 | 20th of 25 |
| 5 years | 439th of 882 | 15th of 25 |
| 10 years | 40th of 882 | 9th of 25 |
| Since Q1 1995 | 137th of 879 | 12th of 25 |
Boom, bust, and recovery in ZIP3 349
ZIP3 349's index peaked in Q2 2006, fell 55.6% to its low in Q2 2012, and regained its peak in Q4 2020, about 14.5 years after the top. Today it sits +61.9% 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 349 | Q2 2006 | Q2 2012 | -55.6% | Q4 2020 (14.5 yrs) | +61.9% |
| FL | Q4 2006 | Q2 2012 | -44.7% | Q1 2020 (13.2 yrs) | +72.0% |
| Metro | Q2 2006 | Q2 2012 | -54.9% | Q4 2020 (14.5 yrs) | +63.3% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 349's index has changed +109% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 349 after inflation | FL after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -4.8% | -2.4% | -4.3% | -0.8% |
| 3 years | +9.8% | -5.4% | -2.9% | -5.5% | +2.8% |
| 5 years | +24.0% | +16.7% | +17.7% | +17.0% | +13.9% |
| 10 years | +39.1% | +65.1% | +58.2% | +64.8% | +39.0% |
| Since Q1 1995 | +121% | +109% | +126% | +113% | +76.8% |
Estimate appreciation for a home in ZIP3 349
Regional estimate
$688,765
- Estimated gain
- $388,765
- Index change
- +130%
- Start index
- 201.16
- End index
- 461.84
ZIP3 349 (Port St. Lucie, 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 |
|---|---|---|---|---|
| 334 · West Palm Beach, FL area | FL | +3.6% | +59.1% | +486% |
| 329 · Palm Bay, FL area | FL | +1.4% | +41.3% | +357% |
| 333 · Fort Lauderdale, FL area | FL | -0.3% | +48.7% | +456% |
| 330 · Hialeah, FL area | FL | +2.0% | +56.9% | +483% |
| 338 · Lakeland, FL area | FL | +3.9% | +46.3% | +330% |
| 339 · Cape Coral, FL area | FL | -1.2% | +27.4% | +300% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 461.84 |
| Q1 2026 | 461.70 |
| Q4 2025 | 462.67 |
| Q3 2025 | 458.18 |
| Q2 2025 | 467.24 |
| Q1 2025 | 456.79 |
| Q4 2024 | 465.49 |
| Q3 2024 | 464.27 |
| Q2 2024 | 452.15 |
| Q1 2024 | 451.79 |
| Q4 2023 | 445.64 |
| Q3 2023 | 447.84 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 349?
- Based on FHFA HPI® data for 3-digit ZIP region 349, the regional index changed -1.2% over the year to Q2 2026, +44.7% over five years, +130% over ten years, and +362% since Q1 1995.
- Is ZIP3 349 appreciating faster than Florida and the U.S.?
- Over the past year the region's index -1.2% compares with +1.4% for Florida and +3.0% for the U.S., a gap of −4.2 pts versus the nation. Over five years the gap versus the nation is +3.4 pts.
- Which ZIP codes are in 3-digit ZIP region 349?
- All ZIP codes that begin with 349. Census 2010 ZIP Code Tabulation Areas in this region run from 34945 to 34997 (22 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.