3-digit ZIP regional index
Home appreciation in ZIP codes 354xxTuscaloosa, AL area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 354 changed -0.9% over the year to Q2 2026, compared with +3.7% for Alabama and +3.0% for the United States.
The region covers ZIP codes 35401–35490. Most of its 2010 population lived in Tuscaloosa County (82%), Pickens County (9%). Communities in the region include Northport, Holt, Livingston, Eutaw, Aliceville. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- -0.9%
- 5-year change
- +33.7%
- Since Q1 1995
- +202%
- National rank (1 year)
- 853rd
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 354 vs Alabama and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 354: 301.5
- Alabama: 318.6
- Tuscaloosa, AL metro: 302.7
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 354 | AL | U.S. | Gap vs AL | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | -0.9% | +3.7% | +3.0% | −4.6 pts | −4.0 pts |
| 3 years | +11.0% | +14.0% | +12.9% | −3.0 pts | −1.9 pts |
| 5 years | +33.7% | +43.8% | +41.3% | −10.1 pts | −7.6 pts |
| 10 years | +69.0% | +88.8% | +93.3% | −19.8 pts | −24.3 pts |
| Since Q1 1995 | +202% | +219% | +292% | −17.1 pts | −90.0 pts |
If you bought in ZIP3 354 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 | +196% | $889,002 |
| Q2 2000 | +143% | $729,072 |
| Q2 2005 | +93.8% | $581,449 |
| Q2 2010 | +77.8% | $533,412 |
| Q2 2015 | +71.1% | $513,342 |
| Q2 2020 | +43.6% | $430,866 |
| Q2 2021 | +33.7% | $401,100 |
| Q2 2023 | +11.0% | $332,938 |
| Q2 2025 | -0.9% | $297,210 |
How ZIP3 354 ranks
Over the past year ZIP3 354 ranks 853rd of 882 3-digit ZIP regions nationally and 18th of 19 in Alabama. Its one-year change is −4.0 pts versus the nation and −4.6 pts versus Alabama. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Alabama |
|---|---|---|
| 1 year | 853rd of 882 | 18th of 19 |
| 3 years | 679th of 882 | 15th of 19 |
| 5 years | 743rd of 882 | 18th of 19 |
| 10 years | 744th of 882 | 18th of 19 |
| Since Q1 1995 | 780th of 879 | 15th of 19 |
Boom, bust, and recovery in ZIP3 354
ZIP3 354's index peaked in Q1 2009, fell 7.9% to its low in Q1 2011, and regained its peak in Q3 2016, about 7.5 years after the top. Today it sits +68.0% 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 354 | Q1 2009 | Q1 2011 | -7.9% | Q3 2016 (7.5 yrs) | +68.0% |
| AL | Q1 2009 | Q4 2013 | -10.4% | Q4 2017 (8.8 yrs) | +80.7% |
| Metro | Q1 2009 | Q2 2011 | -8.0% | Q3 2016 (7.5 yrs) | +67.9% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 354's index has changed +36.2% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 354 after inflation | AL after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -4.6% | -0.1% | -3.8% | -0.8% |
| 3 years | +9.8% | +1.1% | +3.8% | +0.8% | +2.8% |
| 5 years | +24.0% | +7.8% | +15.9% | +7.0% | +13.9% |
| 10 years | +39.1% | +21.5% | +35.7% | +21.2% | +39.0% |
| Since Q1 1995 | +121% | +36.2% | +43.9% | +36.7% | +76.8% |
Estimate appreciation for a home in ZIP3 354
Regional estimate
$506,984
- Estimated gain
- $206,984
- Index change
- +68.99%
- Start index
- 178.42
- End index
- 301.52
ZIP3 354 (Tuscaloosa, AL 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 |
|---|---|---|---|---|
| 352 · Birmingham, AL area | AL | +5.0% | +38.0% | +250% |
| 355 · Jasper, AL area | AL | +3.4% | +38.9% | +219% |
| 350 · Bessemer, AL area | AL | +4.4% | +43.8% | +206% |
| 367 · Selma, AL area | AL | +5.2% | +49.8% | +237% |
| 351 · Pelham, AL area | AL | +2.5% | +38.1% | +195% |
| 397 · Starkville, MS area | MS | +4.2% | +40.4% | +203% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 301.52 |
| Q1 2026 | 306.99 |
| Q4 2025 | 312.63 |
| Q3 2025 | 303.53 |
| Q2 2025 | 304.35 |
| Q1 2025 | 299.25 |
| Q4 2024 | 297.35 |
| Q3 2024 | 287.44 |
| Q2 2024 | 283.62 |
| Q1 2024 | 284.77 |
| Q4 2023 | 277.49 |
| Q3 2023 | 277.30 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 354?
- Based on FHFA HPI® data for 3-digit ZIP region 354, the regional index changed -0.9% over the year to Q2 2026, +33.7% over five years, +69.0% over ten years, and +202% since Q1 1995.
- Is ZIP3 354 appreciating faster than Alabama and the U.S.?
- Over the past year the region's index -0.9% compares with +3.7% for Alabama and +3.0% for the U.S., a gap of −4.0 pts versus the nation. Over five years the gap versus the nation is −7.6 pts.
- Which ZIP codes are in 3-digit ZIP region 354?
- All ZIP codes that begin with 354. Census 2010 ZIP Code Tabulation Areas in this region run from 35401 to 35490 (32 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.