3-digit ZIP regional index
Home appreciation in ZIP codes 520xxDubuque, IA area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 520 changed +4.3% over the year to Q2 2026, compared with +3.2% for Iowa and +3.0% for the United States.
The region covers ZIP codes 52001–52079. Most of its 2010 population lived in Dubuque County (66%), Jackson County (14%), Delaware County (10%). Communities in the region include Maquoketa, Manchester, Asbury, Dyersville, Bellevue. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +4.3%
- 5-year change
- +41.4%
- Since Q1 1995
- +216%
- National rank (1 year)
- 346th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 520 vs Iowa and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 520: 315.9
- Iowa: 312.1
- Dubuque, IA metro: 312.2
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 520 | IA | U.S. | Gap vs IA | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +4.3% | +3.2% | +3.0% | +1.1 pts | +1.3 pts |
| 3 years | +16.2% | +13.1% | +12.9% | +3.0 pts | +3.3 pts |
| 5 years | +41.4% | +37.4% | +41.3% | +4.0 pts | +0.1 pts |
| 10 years | +70.2% | +70.6% | +93.3% | −0.4 pts | −23.1 pts |
| Since Q1 1995 | +216% | +212% | +292% | +3.8 pts | −75.7 pts |
If you bought in ZIP3 520 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 | +210% | $928,786 |
| Q2 2000 | +163% | $787,731 |
| Q2 2005 | +112% | $637,455 |
| Q2 2010 | +92.1% | $576,423 |
| Q2 2015 | +75.1% | $525,183 |
| Q2 2020 | +51.0% | $452,875 |
| Q2 2021 | +41.4% | $424,171 |
| Q2 2023 | +16.2% | $348,474 |
| Q2 2025 | +4.3% | $313,021 |
How ZIP3 520 ranks
Over the past year ZIP3 520 ranks 346th of 882 3-digit ZIP regions nationally and 7th of 25 in Iowa. Its one-year change is +1.3 pts versus the nation and +1.1 pts versus Iowa. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Iowa |
|---|---|---|
| 1 year | 346th of 882 | 7th of 25 |
| 3 years | 400th of 882 | 2nd of 25 |
| 5 years | 540th of 882 | 2nd of 25 |
| 10 years | 733rd of 882 | 16th of 25 |
| Since Q1 1995 | 698th of 879 | 15th of 25 |
Boom, bust, and recovery in ZIP3 520
ZIP3 520's index did not fall meaningfully after its Q3 2009 high. Today it sits +92.9% 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 520 | Q3 2009 | — | No meaningful drop | — | +92.9% |
| IA | Q1 2009 | Q2 2011 | -2.5% | Q4 2012 (3.8 yrs) | +86.4% |
| Metro | Q3 2009 | — | No meaningful drop | — | +91.1% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 520's index has changed +42.7% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 520 after inflation | IA after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +0.5% | -0.6% | +1.3% | -0.8% |
| 3 years | +9.8% | +5.8% | +3.0% | +6.9% | +2.8% |
| 5 years | +24.0% | +14.0% | +10.8% | +13.8% | +13.9% |
| 10 years | +39.1% | +22.4% | +22.7% | +21.9% | +39.0% |
| Since Q1 1995 | +121% | +42.7% | +40.9% | +41.0% | +76.8% |
Estimate appreciation for a home in ZIP3 520
Regional estimate
$510,719
- Estimated gain
- $210,719
- Index change
- +70.24%
- Start index
- 185.55
- End index
- 315.88
ZIP3 520 (Dubuque, IA 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 |
|---|---|---|---|---|
| 538 · Platteville, WI area | WI | +4.9% | +59.2% | +290% |
| 524 · Cedar Rapids, IA area | IA | +5.7% | +34.8% | +151% |
| 523 · Marion, IA area | IA | +6.1% | +38.1% | +183% |
| 527 · Bettendorf, IA area | IA | +3.0% | +34.2% | +202% |
| 522 · Iowa City, IA area | IA | +2.3% | +33.6% | +177% |
| 528 · Davenport, IA area | IA | +4.9% | +34.8% | +208% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 315.88 |
| Q1 2026 | 312.56 |
| Q4 2025 | 314.82 |
| Q3 2025 | 305.63 |
| Q2 2025 | 302.74 |
| Q1 2025 | 301.06 |
| Q4 2024 | 296.80 |
| Q3 2024 | 295.14 |
| Q2 2024 | 289.67 |
| Q1 2024 | 283.37 |
| Q4 2023 | 284.45 |
| Q3 2023 | 277.19 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 520?
- Based on FHFA HPI® data for 3-digit ZIP region 520, the regional index changed +4.3% over the year to Q2 2026, +41.4% over five years, +70.2% over ten years, and +216% since Q1 1995.
- Is ZIP3 520 appreciating faster than Iowa and the U.S.?
- Over the past year the region's index +4.3% compares with +3.2% for Iowa and +3.0% for the U.S., a gap of +1.3 pts versus the nation. Over five years the gap versus the nation is +0.1 pts.
- Which ZIP codes are in 3-digit ZIP region 520?
- All ZIP codes that begin with 520. Census 2010 ZIP Code Tabulation Areas in this region run from 52001 to 52079 (40 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.