3-digit ZIP regional index
Home appreciation in ZIP codes 395xxGulfport, MS area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 395 changed +3.2% over the year to Q2 2026, compared with +3.7% for Mississippi and +3.0% for the United States.
The region covers ZIP codes 39501–39581. Most of its 2010 population lived in Harrison County (49%), Jackson County (36%), Hancock County (11%). Communities in the region include Biloxi, Pascagoula, Gautier, Ocean Springs, Long Beach. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +3.2%
- 5-year change
- +42.4%
- Since Q1 1995
- +222%
- National rank (1 year)
- 503rd
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 395 vs Mississippi and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 395: 321.9
- Mississippi: 294.4
- Gulfport-Biloxi, MS metro: 322.2
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 395 | MS | U.S. | Gap vs MS | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +3.2% | +3.7% | +3.0% | −0.5 pts | +0.2 pts |
| 3 years | +9.2% | +14.2% | +12.9% | −4.9 pts | −3.6 pts |
| 5 years | +42.4% | +39.7% | +41.3% | +2.7 pts | +1.1 pts |
| 10 years | +79.9% | +70.1% | +93.3% | +9.8 pts | −13.5 pts |
| Since Q1 1995 | +222% | +194% | +292% | +27.5 pts | −69.7 pts |
If you bought in ZIP3 395 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 | +211% | $932,538 |
| Q2 2000 | +148% | $743,646 |
| Q2 2005 | +97.6% | $592,908 |
| Q2 2010 | +75.9% | $527,565 |
| Q2 2015 | +89.8% | $569,512 |
| Q2 2020 | +54.4% | $463,182 |
| Q2 2021 | +42.4% | $427,253 |
| Q2 2023 | +9.2% | $327,716 |
| Q2 2025 | +3.2% | $309,729 |
How ZIP3 395 ranks
Over the past year ZIP3 395 ranks 503rd of 882 3-digit ZIP regions nationally and 9th of 12 in Mississippi. Its one-year change is +0.2 pts versus the nation and −0.5 pts versus Mississippi. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Mississippi |
|---|---|---|
| 1 year | 503rd of 882 | 9th of 12 |
| 3 years | 738th of 882 | 12th of 12 |
| 5 years | 518th of 882 | 3rd of 12 |
| 10 years | 604th of 882 | 2nd of 12 |
| Since Q1 1995 | 678th of 879 | 2nd of 12 |
Boom, bust, and recovery in ZIP3 395
ZIP3 395's index peaked in Q1 2008, fell 23.8% to its low in Q4 2013, and regained its peak in Q4 2020, about 12.8 years after the top. Today it sits +49.5% 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 395 | Q1 2008 | Q4 2013 | -23.8% | Q4 2020 (12.8 yrs) | +49.5% |
| MS | Q1 2008 | Q4 2013 | -8.9% | Q3 2017 (9.5 yrs) | +65.9% |
| Metro | Q1 2008 | Q4 2013 | -23.8% | Q4 2020 (12.8 yrs) | +49.8% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 395's index has changed +45.4% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 395 after inflation | MS after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -0.6% | -0.1% | -0.3% | -0.8% |
| 3 years | +9.8% | -0.5% | +4.0% | -0.2% | +2.8% |
| 5 years | +24.0% | +14.8% | +12.6% | +14.9% | +13.9% |
| 10 years | +39.1% | +29.3% | +22.3% | +29.1% | +39.0% |
| Since Q1 1995 | +121% | +45.4% | +33.0% | +45.5% | +76.8% |
Estimate appreciation for a home in ZIP3 395
Regional estimate
$539,655
- Estimated gain
- $239,655
- Index change
- +79.88%
- Start index
- 178.92
- End index
- 321.85
ZIP3 395 (Gulfport, 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 |
|---|---|---|---|---|
| 366 · Mobile, AL area | AL | +1.6% | +40.7% | +208% |
| 394 · Hattiesburg, MS area | MS | +7.4% | +44.9% | +232% |
| 365 · Daphne, AL area | AL | +5.9% | +48.6% | +282% |
| 704 · Slidell, LA area | LA | +1.9% | +26.3% | +192% |
| 701 · New Orleans, LA area | LA | +1.8% | +10.1% | +288% |
| 700 · Kenner, LA area | LA | +3.0% | +17.0% | +202% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 321.85 |
| Q1 2026 | 322.46 |
| Q4 2025 | 323.62 |
| Q3 2025 | 324.61 |
| Q2 2025 | 311.74 |
| Q1 2025 | 312.22 |
| Q4 2024 | 309.51 |
| Q3 2024 | 305.63 |
| Q2 2024 | 301.18 |
| Q1 2024 | 297.21 |
| Q4 2023 | 300.14 |
| Q3 2023 | 288.26 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 395?
- Based on FHFA HPI® data for 3-digit ZIP region 395, the regional index changed +3.2% over the year to Q2 2026, +42.4% over five years, +79.9% over ten years, and +222% since Q1 1995.
- Is ZIP3 395 appreciating faster than Mississippi and the U.S.?
- Over the past year the region's index +3.2% compares with +3.7% for Mississippi and +3.0% for the U.S., a gap of +0.2 pts versus the nation. Over five years the gap versus the nation is +1.1 pts.
- Which ZIP codes are in 3-digit ZIP region 395?
- All ZIP codes that begin with 395. Census 2010 ZIP Code Tabulation Areas in this region run from 39501 to 39581 (26 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.