3-digit ZIP regional index
Home appreciation in ZIP codes 390xxClinton, MS area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 390 changed +3.0% over the year to Q2 2026, compared with +3.7% for Mississippi and +3.0% for the United States.
The region covers ZIP codes 39038–39097. Most of its 2010 population lived in Rankin County (32%), Hinds County (12%), Madison County (12%). Communities in the region include Brandon, Canton, Kosciusko, Forest, Carthage. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +3.0%
- 5-year change
- +32.8%
- Since Q1 1995
- +165%
- National rank (1 year)
- 545th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 390 vs Mississippi and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 390: 265.0
- Mississippi: 294.4
- Jackson, MS metro: 249.0
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 390 | MS | U.S. | Gap vs MS | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +3.0% | +3.7% | +3.0% | −0.7 pts | +0.0 pts |
| 3 years | +10.8% | +14.2% | +12.9% | −3.3 pts | −2.0 pts |
| 5 years | +32.8% | +39.7% | +41.3% | −6.9 pts | −8.5 pts |
| 10 years | +57.5% | +70.1% | +93.3% | −12.5 pts | −35.8 pts |
| Since Q1 1995 | +165% | +194% | +292% | −29.4 pts | −126.6 pts |
If you bought in ZIP3 390 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 | +157% | $770,307 |
| Q2 2000 | +121% | $662,290 |
| Q2 2005 | +77.8% | $533,298 |
| Q2 2010 | +67.6% | $502,866 |
| Q2 2015 | +61.5% | $484,594 |
| Q2 2020 | +43.0% | $429,108 |
| Q2 2021 | +32.8% | $398,256 |
| Q2 2023 | +10.9% | $332,558 |
| Q2 2025 | +3.0% | $309,111 |
How ZIP3 390 ranks
Over the past year ZIP3 390 ranks 545th of 882 3-digit ZIP regions nationally and 10th of 12 in Mississippi. Its one-year change is +0.0 pts versus the nation and −0.7 pts versus Mississippi. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Mississippi |
|---|---|---|
| 1 year | 545th of 882 | 10th of 12 |
| 3 years | 681st of 882 | 10th of 12 |
| 5 years | 761st of 882 | 11th of 12 |
| 10 years | 828th of 882 | 10th of 12 |
| Since Q1 1995 | 853rd of 879 | 10th of 12 |
Boom, bust, and recovery in ZIP3 390
ZIP3 390's index peaked in Q1 2008, fell 4.8% to its low in Q1 2011, and regained its peak in Q1 2015, about 7 years after the top. Today it sits +60.8% 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 390 | Q1 2008 | Q1 2011 | -4.8% | Q1 2015 (7 yrs) | +60.8% |
| MS | Q1 2008 | Q4 2013 | -8.9% | Q3 2017 (9.5 yrs) | +65.9% |
| Metro | Q1 2008 | Q2 2012 | -6.9% | Q4 2016 (8.8 yrs) | +50.9% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 390's index has changed +19.7% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 390 after inflation | MS after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -0.8% | -0.1% | -2.0% | -0.8% |
| 3 years | +9.8% | +0.9% | +4.0% | +1.7% | +2.8% |
| 5 years | +24.0% | +7.0% | +12.6% | +4.2% | +13.9% |
| 10 years | +39.1% | +13.3% | +22.3% | +8.6% | +39.0% |
| Since Q1 1995 | +121% | +19.7% | +33.0% | +12.5% | +76.8% |
Estimate appreciation for a home in ZIP3 390
Regional estimate
$472,636
- Estimated gain
- $172,636
- Index change
- +57.55%
- Start index
- 168.18
- End index
- 264.96
ZIP3 390 (Clinton, MS 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 |
|---|---|---|---|---|
| 392 · Jackson, MS area | MS | -1.7% | +20.6% | +127% |
| 391 · Madison, MS area | MS | +5.1% | +33.3% | +158% |
| 393 · Meridian, MS area | MS | +4.2% | +40.4% | +203% |
| 396 · McComb, MS area | MS | +4.2% | +40.4% | +203% |
| 387 · Greenville, MS area | MS | +4.2% | +40.4% | +203% |
| 389 · Greenwood, MS area | MS | +4.2% | +40.4% | +203% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 264.96 |
| Q1 2026 | 272.51 |
| Q4 2025 | 269.14 |
| Q3 2025 | 262.17 |
| Q2 2025 | 257.15 |
| Q1 2025 | 260.07 |
| Q4 2024 | 256.52 |
| Q3 2024 | 257.27 |
| Q2 2024 | 251.88 |
| Q1 2024 | 252.71 |
| Q4 2023 | 247.56 |
| Q3 2023 | 240.77 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 390?
- Based on FHFA HPI® data for 3-digit ZIP region 390, the regional index changed +3.0% over the year to Q2 2026, +32.8% over five years, +57.5% over ten years, and +165% since Q1 1995.
- Is ZIP3 390 appreciating faster than Mississippi and the U.S.?
- Over the past year the region's index +3.0% compares with +3.7% for Mississippi and +3.0% for the U.S., a gap of +0.0 pts versus the nation. Over five years the gap versus the nation is −8.5 pts.
- Which ZIP codes are in 3-digit ZIP region 390?
- All ZIP codes that begin with 390. Census 2010 ZIP Code Tabulation Areas in this region run from 39038 to 39097 (35 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.