How much have home prices risen in ZIP codes starting with 624?

Based on FHFA HPI® data for 3-digit ZIP region 624, the regional index changed +13.4% over the year to Q2 2026, +48.0% over five years, +75.1% over ten years, and +220% since Q1 1995.

Is ZIP3 624 appreciating faster than Illinois and the U.S.?

Over the past year the region's index +13.4% compares with +6.0% for Illinois and +3.0% for the U.S., a gap of +10.4 pts versus the nation. Over five years the gap versus the nation is +6.7 pts.

Which ZIP codes are in 3-digit ZIP region 624?

All ZIP codes that begin with 624. Census 2010 ZIP Code Tabulation Areas in this region run from 62401 to 62481 (59 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.

3-digit ZIP regional index

Home appreciation in ZIP codes 624xxEffingham, IL area

Name: Home price index for 3-digit ZIP region 624 (Effingham, IL area)
Creator: zipappreciation.com
License: https://zipappreciation.com/data-sources

FHFA HPI® data shows the regional home price index for ZIP codes beginning with 624 changed +13.4% over the year to Q2 2026, compared with +6.0% for Illinois and +3.0% for the United States.

The region covers ZIP codes 62401–62481. Most of its 2010 population lived in Effingham County (23%), Crawford County (13%), Lawrence County (11%). Communities in the region include Olney, Robinson, Vandalia, Lawrenceville, Marshall. This is a regional index, not a ZIP5, street, or individual-home estimate.

1-year change: +13.4%
5-year change: +48.0%
Since Q1 1995: +220%
National rank (1 year): 1st

ZIP3 624 vs Illinois and the U.S.

FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026

ZIP3 624: 319.6
Illinois: 283.5
United States: 391.6

Want a different starting year? Rebase this chart or compare with another ZIP3.

Appreciation by time window

Percent change in the regional index to Q2 2026; gaps are percentage points
Window	ZIP3 624	IL	U.S.	Gap vs IL	Gap vs U.S.
1 year	+13.4%	+6.0%	+3.0%	+7.4 pts	+10.4 pts
3 years	+23.3%	+21.8%	+12.9%	+1.5 pts	+10.4 pts
5 years	+48.0%	+46.9%	+41.3%	+1.1 pts	+6.7 pts
10 years	+75.1%	+75.6%	+93.3%	−0.5 pts	−18.3 pts
Since Q1 1995	+220%	+184%	+292%	+36.1 pts	−71.9 pts

If you bought in ZIP3 624 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	+217%	$949,742
Q2 2000	+160%	$779,434
Q2 2005	+129%	$687,996
Q2 2010	+101%	$602,072
Q2 2015	+80.6%	$541,759
Q2 2020	+61.7%	$485,106
Q2 2021	+48.0%	$444,040
Q2 2023	+23.3%	$369,774
Q2 2025	+13.4%	$340,214

How ZIP3 624 ranks

Over the past year ZIP3 624 ranks 1st of 882 3-digit ZIP regions nationally and 1st of 29 in Illinois. Its one-year change is +10.4 pts versus the nation and +7.4 pts versus Illinois. Rank 1 is the strongest appreciation.

Window	National rank	Rank in Illinois
1 year	1st of 882	1st of 29
3 years	71st of 882	7th of 29
5 years	320th of 882	9th of 29
10 years	671st of 882	11th of 29
Since Q1 1995	685th of 879	4th of 29

Fastest-appreciating ZIP codes in Illinois National ZIP3 rankings

Boom, bust, and recovery in ZIP3 624

ZIP3 624's index peaked in Q4 2009, fell 2.3% to its low in Q1 2010, and regained its peak in Q3 2010, about 0.8 years after the top. Today it sits +99.0% 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 624	Q4 2009	Q1 2010	-2.3%	Q3 2010 (0.8 yrs)	+99.0%
IL	Q1 2007	Q2 2012	-21.8%	Q2 2021 (14.2 yrs)	+51.8%
U.S.	Q1 2007	Q2 2012	-19.0%	Q4 2016 (9.8 yrs)	+89.3%

Appreciation after inflation

Adjusting for consumer price inflation, ZIP3 624's index has changed +44.4% in real terms since Q1 1995. Home prices vs inflation

Window	Inflation (CPI-U)	ZIP3 624 after inflation	IL after inflation	U.S. after inflation
1 year	+3.9%	+9.2%	+2.0%	-0.8%
3 years	+9.8%	+12.3%	+10.9%	+2.8%
5 years	+24.0%	+19.3%	+18.4%	+13.9%
10 years	+39.1%	+25.9%	+26.3%	+39.0%
Since Q1 1995	+121%	+44.4%	+28.0%	+76.8%

Estimate appreciation for a home in ZIP3 624

Estimate regional appreciation

3-digit ZIP regionStarting value

Start periodEnd period

Regional estimate

$525,230

Estimated gain: $225,230
Index change: +75.08%
Start index: 182.56
End index: 319.62

ZIP3 624 (Effingham, IL area), Q2 2016 to Q2 2026. Index type: Native 3-Digit ZIP index.

About this estimate. This calculator is an independent tool that applies the publicly available FHFA House Price Index® (FHFA HPI®) to a value you enter. The FHFA HPI® is a 3-digit ZIP (regional) index that measures average price movement across a broad area - it is not specific to any individual property, and the result is not an appraisal, tax assessment, lender valuation, or guaranteed market value. zipappreciation.com is not affiliated with or endorsed by the FHFA. Source: Federal Housing Finance Agency, FHFA HPI® (fhfa.gov).

Nearby 3-digit ZIP regions

3-digit ZIP region	State	1 year	5 years	Since Q1 1995
619 · Charleston, IL area	IL	+8.0%	+45.5%	+156%
628 · Mount Vernon, IL area	IL	+1.3%	+40.0%	+170%
478 · Terre Haute, IN area	IN	+7.5%	+55.4%	+197%
625 · Decatur, IL area	IL	+6.1%	+45.1%	+153%
475 · Vincennes, IN area	IN	+5.2%	+46.9%	+228%
618 · Champaign, IL area	IL	+7.4%	+49.4%	+201%

Recent quarterly index values

FHFA HPI® values for ZIP3 624 (original FHFA base, Q1 1995 = 100). Index type: Native 3-Digit ZIP index.
Period	Index
Q2 2026	319.62
Q1 2026	302.64
Q4 2025	316.04
Q3 2025	296.53
Q2 2025	281.84
Q1 2025	278.79
Q4 2024	268.31
Q3 2024	279.00
Q2 2024	272.20
Q1 2024	268.58
Q4 2023	262.92
Q3 2023	252.47

Frequently asked questions

How much have home prices risen in ZIP codes starting with 624?: Based on FHFA HPI® data for 3-digit ZIP region 624, the regional index changed +13.4% over the year to Q2 2026, +48.0% over five years, +75.1% over ten years, and +220% since Q1 1995.
Is ZIP3 624 appreciating faster than Illinois and the U.S.?: Over the past year the region's index +13.4% compares with +6.0% for Illinois and +3.0% for the U.S., a gap of +10.4 pts versus the nation. Over five years the gap versus the nation is +6.7 pts.
Which ZIP codes are in 3-digit ZIP region 624?: All ZIP codes that begin with 624. Census 2010 ZIP Code Tabulation Areas in this region run from 62401 to 62481 (59 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.

Search another region

Region details

ZIP codes: 62401–62481 (59 Census ZCTAs)
State: Illinois
Main counties (2010 population share): Effingham County, IL 23%; Crawford County, IL 13%; Lawrence County, IL 11%; Clark County, IL 11%; Fayette County, IL 11%; Richland County, IL 10%
FHFA index type: Native 3-Digit ZIP index, all-transactions, NSA
Latest period / imported: Q2 2026 / 2026-09-30
FHFA annual ZIP3 index, 2025: Annual change +7.3%

Methodology note. The site currently uses imported public FHFA HPI® files last processed on 2026-09-30. ZIP pages use the quarterly all-transactions 3-digit ZIP regional index, with latest imported ZIP3 period 2026Q2. State and national context use FHFA master HPI all-transactions quarterly records. ZIP3 results are regional index calculations only.

FHFA 3-digit ZIP data describes a broad regional index. It does not identify a street address, ZIP5, parcel, county assessment record, or individual home value.

FHFA labels its 3-digit ZIP indexes as developmental, and it revises past index values with each quarterly release. Figures on this site are re-imported in full from each new release, so earlier quarters can change slightly from one update to the next.

Place, county, state, and metro labels for 3-digit ZIP regions are approximate. FHFA does not publish them; this site assigns them using U.S. Census Bureau 2010 ZCTA relationship and Gazetteer files and OMB metro area delineations, weighted by population. A region can span many communities and several counties.

Comparison charts rescale each series so the chosen base quarter equals 100 (Q1 1995 by default). Rescaling changes only the starting level; percentage changes between any two quarters are the same as in the original FHFA series.