3-digit ZIP regional index
Home appreciation in ZIP codes 599xxKalispell, MT area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 599 changed -1.6% over the year to Q2 2026, compared with +2.7% for Montana and +3.0% for the United States.
The region covers ZIP codes 59901–59937. Most of its 2010 population lived in Flathead County (79%), Lincoln County (17%). Communities in the region include Evergreen, Whitefish, Columbia Falls, Bigfork, Lakeside. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- -1.6%
- 5-year change
- +50.5%
- Since Q1 1995
- +441%
- National rank (1 year)
- 867th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 599 vs Montana and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 599: 541.3
- Montana: 496.2
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 599 | MT | U.S. | Gap vs MT | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | -1.6% | +2.7% | +3.0% | −4.3 pts | −4.6 pts |
| 3 years | +9.9% | +11.3% | +12.9% | −1.4 pts | −3.0 pts |
| 5 years | +50.5% | +47.5% | +41.3% | +2.9 pts | +9.2 pts |
| 10 years | +145% | +113% | +93.3% | +31.4 pts | +51.2 pts |
| Since Q1 1995 | +441% | +396% | +292% | +45.1 pts | +149.8 pts |
If you bought in ZIP3 599 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 | +435% | $1,605,656 |
| Q2 2000 | +372% | $1,416,080 |
| Q2 2005 | +192% | $874,978 |
| Q2 2010 | +170% | $811,209 |
| Q2 2015 | +156% | $768,702 |
| Q2 2020 | +85.2% | $555,656 |
| Q2 2021 | +50.5% | $451,376 |
| Q2 2023 | +9.9% | $329,611 |
| Q2 2025 | -1.5% | $295,357 |
How ZIP3 599 ranks
Over the past year ZIP3 599 ranks 867th of 882 3-digit ZIP regions nationally and 9th of 10 in Montana. Its one-year change is −4.6 pts versus the nation and −4.3 pts versus Montana. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Montana |
|---|---|---|
| 1 year | 867th of 882 | 9th of 10 |
| 3 years | 720th of 882 | 7th of 10 |
| 5 years | 258th of 882 | 6th of 10 |
| 10 years | 7th of 882 | 2nd of 10 |
| Since Q1 1995 | 46th of 879 | 2nd of 10 |
Boom, bust, and recovery in ZIP3 599
ZIP3 599's index peaked in Q1 2008, fell 21.0% to its low in Q2 2012, and regained its peak in Q1 2017, about 9 years after the top. Today it sits +130% 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 599 | Q1 2008 | Q2 2012 | -21.0% | Q1 2017 (9 yrs) | +130% |
| MT | Q1 2008 | Q2 2011 | -10.1% | Q3 2014 (6.5 yrs) | +126% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 599's index has changed +144% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 599 after inflation | MT after inflation | U.S. after inflation |
|---|---|---|---|---|
| 1 year | +3.9% | -5.2% | -1.1% | -0.8% |
| 3 years | +9.8% | +0.1% | +1.3% | +2.8% |
| 5 years | +24.0% | +21.3% | +18.9% | +13.9% |
| 10 years | +39.1% | +75.8% | +53.2% | +39.0% |
| Since Q1 1995 | +121% | +144% | +124% | +76.8% |
Estimate appreciation for a home in ZIP3 599
Regional estimate
$733,595
- Estimated gain
- $433,595
- Index change
- +145%
- Start index
- 221.37
- End index
- 541.32
ZIP3 599 (Kalispell, MT 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 |
|---|---|---|---|---|
| 598 · Missoula, MT area | MT | -2.8% | +44.6% | +414% |
| 838 · Coeur d'Alene, ID area | ID | +3.4% | +37.2% | +409% |
| 992 · Spokane, WA area | WA | -0.1% | +28.5% | +327% |
| 990 · Spokane Valley, WA area | WA | +1.0% | +28.8% | +310% |
| 594 · Great Falls, MT area | MT | +6.7% | +57.4% | +327% |
| 991 · Pullman, WA area | WA | +0.7% | +37.3% | +290% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 541.32 |
| Q1 2026 | 551.02 |
| Q4 2025 | 550.32 |
| Q3 2025 | 552.48 |
| Q2 2025 | 549.83 |
| Q1 2025 | 541.44 |
| Q4 2024 | 525.95 |
| Q3 2024 | 520.68 |
| Q2 2024 | 527.74 |
| Q1 2024 | 486.38 |
| Q4 2023 | 491.16 |
| Q3 2023 | 494.07 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 599?
- Based on FHFA HPI® data for 3-digit ZIP region 599, the regional index changed -1.6% over the year to Q2 2026, +50.5% over five years, +145% over ten years, and +441% since Q1 1995.
- Is ZIP3 599 appreciating faster than Montana and the U.S.?
- Over the past year the region's index -1.6% compares with +2.7% for Montana and +3.0% for the U.S., a gap of −4.6 pts versus the nation. Over five years the gap versus the nation is +9.2 pts.
- Which ZIP codes are in 3-digit ZIP region 599?
- All ZIP codes that begin with 599. Census 2010 ZIP Code Tabulation Areas in this region run from 59901 to 59937 (27 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.