3-digit ZIP regional index
Home appreciation in ZIP codes 604xxJoliet, IL area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 604 changed +5.5% over the year to Q2 2026, compared with +6.0% for Illinois and +3.0% for the United States.
The region covers ZIP codes 60401–60491. Most of its 2010 population lived in Cook County (59%), Will County (37%). Communities in the region include Bolingbrook, Orland Park, Tinley Park, Oak Lawn, Berwyn. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +5.5%
- 5-year change
- +44.5%
- Since Q1 1995
- +162%
- National rank (1 year)
- 210th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 604 vs Illinois and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 604: 262.4
- Illinois: 283.5
- Chicago-Naperville-Schaumburg, IL metro: 296.2
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 604 | IL | U.S. | Gap vs IL | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +5.5% | +6.0% | +3.0% | −0.5 pts | +2.5 pts |
| 3 years | +18.1% | +21.8% | +12.9% | −3.7 pts | +5.2 pts |
| 5 years | +44.5% | +46.9% | +41.3% | −2.4 pts | +3.3 pts |
| 10 years | +83.1% | +75.6% | +93.3% | +7.5 pts | −10.2 pts |
| Since Q1 1995 | +162% | +184% | +292% | −21.1 pts | −129.2 pts |
If you bought in ZIP3 604 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 | +159% | $778,114 |
| Q2 2000 | +125% | $675,193 |
| Q2 2005 | +58.6% | $475,872 |
| Q2 2010 | +79.0% | $536,967 |
| Q2 2015 | +89.3% | $567,881 |
| Q2 2020 | +60.0% | $480,081 |
| Q2 2021 | +44.6% | $433,662 |
| Q2 2023 | +18.1% | $354,264 |
| Q2 2025 | +5.5% | $316,489 |
How ZIP3 604 ranks
Over the past year ZIP3 604 ranks 210th of 882 3-digit ZIP regions nationally and 18th of 29 in Illinois. Its one-year change is +2.5 pts versus the nation and −0.5 pts versus Illinois. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Illinois |
|---|---|---|
| 1 year | 210th of 882 | 18th of 29 |
| 3 years | 293rd of 882 | 26th of 29 |
| 5 years | 443rd of 882 | 17th of 29 |
| 10 years | 565th of 882 | 5th of 29 |
| Since Q1 1995 | 858th of 879 | 20th of 29 |
Boom, bust, and recovery in ZIP3 604
ZIP3 604's index peaked in Q2 2007, fell 29.7% to its low in Q1 2013, and regained its peak in Q3 2021, about 14.2 years after the top. Today it sits +43.0% 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 604 | Q2 2007 | Q1 2013 | -29.7% | Q3 2021 (14.2 yrs) | +43.0% |
| IL | Q1 2007 | Q2 2012 | -21.8% | Q2 2021 (14.2 yrs) | +51.8% |
| Metro | Q1 2007 | Q2 2012 | -28.9% | Q3 2021 (14.5 yrs) | +43.8% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 604's index has changed +18.5% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 604 after inflation | IL after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +1.6% | +2.0% | +2.3% | -0.8% |
| 3 years | +9.8% | +7.5% | +10.9% | +11.0% | +2.8% |
| 5 years | +24.0% | +16.6% | +18.4% | +17.3% | +13.9% |
| 10 years | +39.1% | +31.7% | +26.3% | +26.3% | +39.0% |
| Since Q1 1995 | +121% | +18.5% | +28.0% | +33.8% | +76.8% |
Estimate appreciation for a home in ZIP3 604
Regional estimate
$549,334
- Estimated gain
- $249,334
- Index change
- +83.11%
- Start index
- 143.29
- End index
- 262.38
ZIP3 604 (Joliet, IL 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 |
|---|---|---|---|---|
| 608 · Cicero, IL area | IL | +5.0% | +42.3% | +183% |
| 605 · Aurora, IL area | IL | +4.7% | +47.8% | +200% |
| 603 · Oak Park, IL area | IL | +8.7% | +43.6% | +291% |
| 606 · Chicago, IL area | IL | +7.0% | +38.5% | +270% |
| 607 · Niles, IL area | IL | +7.8% | +39.1% | +199% |
| 464 · Gary, IN area | IN | +4.1% | +40.8% | +197% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 262.38 |
| Q1 2026 | 257.97 |
| Q4 2025 | 255.24 |
| Q3 2025 | 253.73 |
| Q2 2025 | 248.71 |
| Q1 2025 | 245.54 |
| Q4 2024 | 240.74 |
| Q3 2024 | 240.08 |
| Q2 2024 | 235.92 |
| Q1 2024 | 230.74 |
| Q4 2023 | 225.73 |
| Q3 2023 | 225.98 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 604?
- Based on FHFA HPI® data for 3-digit ZIP region 604, the regional index changed +5.5% over the year to Q2 2026, +44.5% over five years, +83.1% over ten years, and +162% since Q1 1995.
- Is ZIP3 604 appreciating faster than Illinois and the U.S.?
- Over the past year the region's index +5.5% compares with +6.0% for Illinois and +3.0% for the U.S., a gap of +2.5 pts versus the nation. Over five years the gap versus the nation is +3.3 pts.
- Which ZIP codes are in 3-digit ZIP region 604?
- All ZIP codes that begin with 604. Census 2010 ZIP Code Tabulation Areas in this region run from 60401 to 60491 (78 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.