3-digit ZIP regional index
Home appreciation in ZIP codes 558xxDuluth, MN area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 558 changed +2.3% over the year to Q2 2026, compared with +3.0% for Minnesota and +3.0% for the United States.
The region covers ZIP codes 55802–55814. Most of its 2010 population lived in St. Louis County (100%). Communities in the region include Hermantown, Proctor, Arnold. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +2.3%
- 5-year change
- +42.0%
- Since Q1 1995
- +348%
- National rank (1 year)
- 634th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 558 vs Minnesota and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 558: 448.5
- Minnesota: 375.3
- Duluth, MN-WI metro: 453.1
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 558 | MN | U.S. | Gap vs MN | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +2.3% | +3.0% | +3.0% | −0.7 pts | −0.8 pts |
| 3 years | +14.9% | +10.3% | +12.9% | +4.6 pts | +2.1 pts |
| 5 years | +42.0% | +31.2% | +41.3% | +10.8 pts | +0.7 pts |
| 10 years | +91.0% | +76.2% | +93.3% | +14.8 pts | −2.3 pts |
| Since Q1 1995 | +348% | +275% | +292% | +73.2 pts | +56.9 pts |
If you bought in ZIP3 558 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 | +339% | $1,316,577 |
| Q2 2000 | +224% | $973,313 |
| Q2 2005 | +102% | $606,779 |
| Q2 2010 | +106% | $617,585 |
| Q2 2015 | +95.6% | $586,823 |
| Q2 2020 | +59.8% | $479,476 |
| Q2 2021 | +42.0% | $425,897 |
| Q2 2023 | +14.9% | $344,791 |
| Q2 2025 | +2.3% | $306,800 |
How ZIP3 558 ranks
Over the past year ZIP3 558 ranks 634th of 882 3-digit ZIP regions nationally and 13th of 16 in Minnesota. Its one-year change is −0.8 pts versus the nation and −0.7 pts versus Minnesota. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Minnesota |
|---|---|---|
| 1 year | 634th of 882 | 13th of 16 |
| 3 years | 462nd of 882 | 5th of 16 |
| 5 years | 530th of 882 | 8th of 16 |
| 10 years | 442nd of 882 | 3rd of 16 |
| Since Q1 1995 | 170th of 879 | 2nd of 16 |
Boom, bust, and recovery in ZIP3 558
ZIP3 558's index peaked in Q2 2007, fell 9.8% to its low in Q2 2011, and regained its peak in Q2 2016, about 9 years after the top. Today it sits +92.3% 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 558 | Q2 2007 | Q2 2011 | -9.8% | Q2 2016 (9 yrs) | +92.3% |
| MN | Q1 2007 | Q2 2012 | -21.8% | Q3 2017 (10.5 yrs) | +65.5% |
| Metro | Q2 2007 | Q2 2012 | -9.4% | Q4 2016 (9.5 yrs) | +93.7% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 558's index has changed +103% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 558 after inflation | MN after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -1.5% | -0.9% | +0.1% | -0.8% |
| 3 years | +9.8% | +4.7% | +0.5% | +8.6% | +2.8% |
| 5 years | +24.0% | +14.5% | +5.8% | +19.9% | +13.9% |
| 10 years | +39.1% | +37.3% | +26.7% | +40.3% | +39.0% |
| Since Q1 1995 | +121% | +103% | +69.5% | +105% | +76.8% |
Estimate appreciation for a home in ZIP3 558
Regional estimate
$573,027
- Estimated gain
- $273,027
- Index change
- +91.01%
- Start index
- 234.79
- End index
- 448.47
ZIP3 558 (Duluth, 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 |
|---|---|---|---|---|
| 557 · Hibbing, MN area | MN | +5.5% | +53.7% | +337% |
| 548 · Superior, WI area | WI | +5.3% | +58.6% | +369% |
| 556 · Two Harbors, MN area | MN | +3.8% | +42.5% | +286% |
| 564 · Brainerd, MN area | MN | +4.5% | +52.9% | +376% |
| 540 · River Falls, WI area | WI | +6.0% | +42.9% | +305% |
| 566 · Bemidji, MN area | MN | -1.5% | +39.4% | +258% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 448.47 |
| Q1 2026 | 443.51 |
| Q4 2025 | 440.76 |
| Q3 2025 | 449.68 |
| Q2 2025 | 438.53 |
| Q1 2025 | 414.44 |
| Q4 2024 | 413.22 |
| Q3 2024 | 420.03 |
| Q2 2024 | 408.84 |
| Q1 2024 | 402.24 |
| Q4 2023 | 387.31 |
| Q3 2023 | 397.27 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 558?
- Based on FHFA HPI® data for 3-digit ZIP region 558, the regional index changed +2.3% over the year to Q2 2026, +42.0% over five years, +91.0% over ten years, and +348% since Q1 1995.
- Is ZIP3 558 appreciating faster than Minnesota and the U.S.?
- Over the past year the region's index +2.3% compares with +3.0% for Minnesota and +3.0% for the U.S., a gap of −0.8 pts versus the nation. Over five years the gap versus the nation is +0.7 pts.
- Which ZIP codes are in 3-digit ZIP region 558?
- All ZIP codes that begin with 558. Census 2010 ZIP Code Tabulation Areas in this region run from 55802 to 55814 (11 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.