3-digit ZIP regional index
Home appreciation in ZIP codes 524xxCedar Rapids, IA area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 524 changed +5.7% over the year to Q2 2026, compared with +3.2% for Iowa and +3.0% for the United States.
The region covers ZIP codes 52401–52411. Most of its 2010 population lived in Linn County (100%). Communities in the region include Marion, Robins, Bertram, Hiawatha, Shueyville. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +5.7%
- 5-year change
- +34.8%
- Since Q1 1995
- +151%
- National rank (1 year)
- 160th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 524 vs Iowa and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 524: 251.0
- Iowa: 312.1
- Cedar Rapids, IA metro: 257.6
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 524 | IA | U.S. | Gap vs IA | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +5.7% | +3.2% | +3.0% | +2.5 pts | +2.7 pts |
| 3 years | +14.6% | +13.1% | +12.9% | +1.4 pts | +1.7 pts |
| 5 years | +34.8% | +37.4% | +41.3% | −2.6 pts | −6.4 pts |
| 10 years | +65.8% | +70.6% | +93.3% | −4.8 pts | −27.5 pts |
| Since Q1 1995 | +151% | +212% | +292% | −61.1 pts | −140.6 pts |
If you bought in ZIP3 524 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 | +146% | $736,978 |
| Q2 2000 | +113% | $638,489 |
| Q2 2005 | +78.5% | $535,617 |
| Q2 2010 | +71.7% | $514,992 |
| Q2 2015 | +67.6% | $502,784 |
| Q2 2020 | +48.0% | $443,863 |
| Q2 2021 | +34.8% | $404,518 |
| Q2 2023 | +14.6% | $343,681 |
| Q2 2025 | +5.7% | $317,214 |
How ZIP3 524 ranks
Over the past year ZIP3 524 ranks 160th of 882 3-digit ZIP regions nationally and 2nd of 25 in Iowa. Its one-year change is +2.7 pts versus the nation and +2.5 pts versus Iowa. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Iowa |
|---|---|---|
| 1 year | 160th of 882 | 2nd of 25 |
| 3 years | 484th of 882 | 14th of 25 |
| 5 years | 728th of 882 | 19th of 25 |
| 10 years | 786th of 882 | 20th of 25 |
| Since Q1 1995 | 871st of 879 | 25th of 25 |
Boom, bust, and recovery in ZIP3 524
ZIP3 524's index peaked in Q1 2009, fell 2.4% to its low in Q4 2013, and regained its peak in Q2 2014, about 5.2 years after the top. Today it sits +70.5% 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 524 | Q1 2009 | Q4 2013 | -2.4% | Q2 2014 (5.2 yrs) | +70.5% |
| IA | Q1 2009 | Q2 2011 | -2.5% | Q4 2012 (3.8 yrs) | +86.4% |
| Metro | Q1 2009 | Q2 2011 | -1.9% | Q1 2013 (4 yrs) | +72.6% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 524's index has changed +13.4% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 524 after inflation | IA after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +1.8% | -0.6% | +0.9% | -0.8% |
| 3 years | +9.8% | +4.3% | +3.0% | +3.4% | +2.8% |
| 5 years | +24.0% | +8.7% | +10.8% | +8.9% | +13.9% |
| 10 years | +39.1% | +19.2% | +22.7% | +19.2% | +39.0% |
| Since Q1 1995 | +121% | +13.4% | +40.9% | +16.3% | +76.8% |
Estimate appreciation for a home in ZIP3 524
Regional estimate
$497,502
- Estimated gain
- $197,502
- Index change
- +65.83%
- Start index
- 151.35
- End index
- 250.99
ZIP3 524 (Cedar Rapids, 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 |
|---|---|---|---|---|
| 523 · Marion, IA area | IA | +6.1% | +38.1% | +183% |
| 522 · Iowa City, IA area | IA | +2.3% | +33.6% | +177% |
| 507 · Waterloo, IA area | IA | +1.9% | +35.1% | +242% |
| 520 · Dubuque, IA area | IA | +4.3% | +41.4% | +216% |
| 527 · Bettendorf, IA area | IA | +3.0% | +34.2% | +202% |
| 506 · Cedar Falls, IA area | IA | +4.8% | +39.4% | +250% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 250.99 |
| Q1 2026 | 236.23 |
| Q4 2025 | 239.00 |
| Q3 2025 | 238.32 |
| Q2 2025 | 237.37 |
| Q1 2025 | 229.44 |
| Q4 2024 | 230.20 |
| Q3 2024 | 232.05 |
| Q2 2024 | 229.12 |
| Q1 2024 | 226.51 |
| Q4 2023 | 223.10 |
| Q3 2023 | 222.27 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 524?
- Based on FHFA HPI® data for 3-digit ZIP region 524, the regional index changed +5.7% over the year to Q2 2026, +34.8% over five years, +65.8% over ten years, and +151% since Q1 1995.
- Is ZIP3 524 appreciating faster than Iowa and the U.S.?
- Over the past year the region's index +5.7% compares with +3.2% for Iowa and +3.0% for the U.S., a gap of +2.7 pts versus the nation. Over five years the gap versus the nation is −6.4 pts.
- Which ZIP codes are in 3-digit ZIP region 524?
- All ZIP codes that begin with 524. Census 2010 ZIP Code Tabulation Areas in this region run from 52401 to 52411 (6 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.