3-digit ZIP regional index
Home appreciation in ZIP codes 551xxSt. Paul, MN area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 551 changed +2.7% over the year to Q2 2026, compared with +3.0% for Minnesota and +3.0% for the United States.
The region covers ZIP codes 55101–55155. Most of its 2010 population lived in Ramsey County (67%), Dakota County (19%), Washington County (14%). Communities in the region include Eagan, Woodbury, Apple Valley, Maplewood, Roseville. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +2.7%
- 5-year change
- +25.5%
- Since Q1 1995
- +260%
- National rank (1 year)
- 596th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 551 vs Minnesota and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 551: 360.3
- Minnesota: 375.3
- Minneapolis-St. Paul-Bloomington, MN-WI metro: 367.7
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 551 | MN | U.S. | Gap vs MN | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +2.7% | +3.0% | +3.0% | −0.3 pts | −0.3 pts |
| 3 years | +8.3% | +10.3% | +12.9% | −2.1 pts | −4.6 pts |
| 5 years | +25.5% | +31.2% | +41.3% | −5.7 pts | −15.8 pts |
| 10 years | +69.7% | +76.2% | +93.3% | −6.5 pts | −23.7 pts |
| Since Q1 1995 | +260% | +275% | +292% | −14.9 pts | −31.2 pts |
If you bought in ZIP3 551 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 | +253% | $1,060,343 |
| Q2 2000 | +151% | $754,060 |
| Q2 2005 | +59.7% | $479,027 |
| Q2 2010 | +92.3% | $576,790 |
| Q2 2015 | +78.0% | $533,890 |
| Q2 2020 | +38.7% | $415,953 |
| Q2 2021 | +25.5% | $376,570 |
| Q2 2023 | +8.3% | $324,816 |
| Q2 2025 | +2.7% | $308,071 |
How ZIP3 551 ranks
Over the past year ZIP3 551 ranks 596th of 882 3-digit ZIP regions nationally and 12th of 16 in Minnesota. Its one-year change is −0.3 pts versus the nation and −0.3 pts versus Minnesota. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Minnesota |
|---|---|---|
| 1 year | 596th of 882 | 12th of 16 |
| 3 years | 761st of 882 | 15th of 16 |
| 5 years | 827th of 882 | 15th of 16 |
| 10 years | 741st of 882 | 16th of 16 |
| Since Q1 1995 | 441st of 879 | 10th of 16 |
Boom, bust, and recovery in ZIP3 551
ZIP3 551's index peaked in Q1 2007, fell 25.8% to its low in Q2 2012, and regained its peak in Q2 2018, about 11.2 years after the top. Today it sits +54.6% 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 551 | Q1 2007 | Q2 2012 | -25.8% | Q2 2018 (11.2 yrs) | +54.6% |
| MN | Q1 2007 | Q2 2012 | -21.8% | Q3 2017 (10.5 yrs) | +65.5% |
| Metro | Q1 2007 | Q2 2012 | -26.2% | Q1 2018 (11 yrs) | +57.8% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 551's index has changed +62.8% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 551 after inflation | MN after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -1.1% | -0.9% | -1.2% | -0.8% |
| 3 years | +9.8% | -1.4% | +0.5% | -1.1% | +2.8% |
| 5 years | +24.0% | +1.2% | +5.8% | +2.7% | +13.9% |
| 10 years | +39.1% | +22.0% | +26.7% | +24.1% | +39.0% |
| Since Q1 1995 | +121% | +62.8% | +69.5% | +66.1% | +76.8% |
Estimate appreciation for a home in ZIP3 551
Regional estimate
$509,003
- Estimated gain
- $209,003
- Index change
- +69.67%
- Start index
- 212.38
- End index
- 360.34
ZIP3 551 (St. Paul, MN 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 |
|---|---|---|---|---|
| 550 · Lakeville, MN area | MN | +1.8% | +29.3% | +251% |
| 554 · Minneapolis, MN area | MN | +2.1% | +23.7% | +296% |
| 553 · Maple Grove, MN area | MN | +2.8% | +30.1% | +254% |
| 540 · River Falls, WI area | WI | +6.0% | +42.9% | +305% |
| 560 · Mankato, MN area | MN | +3.0% | +35.4% | +249% |
| 547 · Eau Claire, WI area | WI | +3.1% | +48.6% | +319% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 360.34 |
| Q1 2026 | 354.22 |
| Q4 2025 | 352.20 |
| Q3 2025 | 354.15 |
| Q2 2025 | 350.90 |
| Q1 2025 | 344.12 |
| Q4 2024 | 341.92 |
| Q3 2024 | 341.98 |
| Q2 2024 | 340.74 |
| Q1 2024 | 333.21 |
| Q4 2023 | 329.17 |
| Q3 2023 | 333.71 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 551?
- Based on FHFA HPI® data for 3-digit ZIP region 551, the regional index changed +2.7% over the year to Q2 2026, +25.5% over five years, +69.7% over ten years, and +260% since Q1 1995.
- Is ZIP3 551 appreciating faster than Minnesota and the U.S.?
- Over the past year the region's index +2.7% compares with +3.0% for Minnesota and +3.0% for the U.S., a gap of −0.3 pts versus the nation. Over five years the gap versus the nation is −15.8 pts.
- Which ZIP codes are in 3-digit ZIP region 551?
- All ZIP codes that begin with 551. Census 2010 ZIP Code Tabulation Areas in this region run from 55101 to 55155 (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.