3-digit ZIP regional index
Home appreciation in ZIP codes 633xxO'Fallon, MO area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 633 changed +3.5% over the year to Q2 2026, compared with +3.6% for Missouri and +3.0% for the United States.
The region covers ZIP codes 63301–63390. Most of its 2010 population lived in St. Charles County (75%), Lincoln County (11%), Warren County (7%). Communities in the region include St. Charles, St. Peters, Wentzville, Lake St. Louis, Dardenne Prairie. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +3.5%
- 5-year change
- +44.7%
- Since Q1 1995
- +252%
- National rank (1 year)
- 459th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 633 vs Missouri and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 633: 351.6
- Missouri: 344.5
- St. Louis, MO-IL metro: 323.5
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 633 | MO | U.S. | Gap vs MO | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +3.5% | +3.6% | +3.0% | −0.1 pts | +0.5 pts |
| 3 years | +15.7% | +14.8% | +12.9% | +0.8 pts | +2.8 pts |
| 5 years | +44.7% | +44.2% | +41.3% | +0.5 pts | +3.4 pts |
| 10 years | +96.5% | +95.0% | +93.3% | +1.5 pts | +3.2 pts |
| Since Q1 1995 | +252% | +244% | +292% | +7.1 pts | −40.0 pts |
If you bought in ZIP3 633 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 | +247% | $1,042,439 |
| Q2 2000 | +176% | $829,329 |
| Q2 2005 | +103% | $607,919 |
| Q2 2010 | +111% | $632,680 |
| Q2 2015 | +108% | $622,670 |
| Q2 2020 | +61.1% | $483,316 |
| Q2 2021 | +44.7% | $434,049 |
| Q2 2023 | +15.7% | $347,057 |
| Q2 2025 | +3.5% | $310,528 |
How ZIP3 633 ranks
Over the past year ZIP3 633 ranks 459th of 882 3-digit ZIP regions nationally and 16th of 25 in Missouri. Its one-year change is +0.5 pts versus the nation and −0.1 pts versus Missouri. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Missouri |
|---|---|---|
| 1 year | 459th of 882 | 16th of 25 |
| 3 years | 418th of 882 | 18th of 25 |
| 5 years | 440th of 882 | 18th of 25 |
| 10 years | 367th of 882 | 18th of 25 |
| Since Q1 1995 | 488th of 879 | 15th of 25 |
Boom, bust, and recovery in ZIP3 633
ZIP3 633's index peaked in Q2 2007, fell 16.2% to its low in Q1 2013, and regained its peak in Q2 2017, about 10 years after the top. Today it sits +88.4% 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 633 | Q2 2007 | Q1 2013 | -16.2% | Q2 2017 (10 yrs) | +88.4% |
| MO | Q2 2007 | Q2 2011 | -11.0% | Q3 2016 (9.2 yrs) | +92.5% |
| Metro | Q2 2007 | Q4 2013 | -12.7% | Q3 2017 (10.2 yrs) | +73.6% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 633's index has changed +58.8% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 633 after inflation | MO after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -0.3% | -0.2% | +0.3% | -0.8% |
| 3 years | +9.8% | +5.3% | +4.6% | +5.1% | +2.8% |
| 5 years | +24.0% | +16.6% | +16.3% | +13.3% | +13.9% |
| 10 years | +39.1% | +41.3% | +40.2% | +30.8% | +39.0% |
| Since Q1 1995 | +121% | +58.8% | +55.6% | +46.1% | +76.8% |
Estimate appreciation for a home in ZIP3 633
Regional estimate
$589,537
- Estimated gain
- $289,537
- Index change
- +96.51%
- Start index
- 178.91
- End index
- 351.58
ZIP3 633 (O'Fallon, MO 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 |
|---|---|---|---|---|
| 630 · Florissant, MO area | MO | +4.2% | +44.4% | +212% |
| 631 · St. Louis, MO area | MO | +2.8% | +35.3% | +251% |
| 620 · Granite City, IL area | IL | +8.3% | +45.0% | +201% |
| 622 · Belleville, IL area | IL | +6.3% | +48.6% | +183% |
| 636 · Farmington, MO area | MO | +5.4% | +53.2% | +255% |
| 651 · Jefferson City, MO area | MO | +4.5% | +58.3% | +229% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 351.58 |
| Q1 2026 | 346.94 |
| Q4 2025 | 342.96 |
| Q3 2025 | 342.73 |
| Q2 2025 | 339.66 |
| Q1 2025 | 333.44 |
| Q4 2024 | 330.77 |
| Q3 2024 | 325.32 |
| Q2 2024 | 322.22 |
| Q1 2024 | 311.06 |
| Q4 2023 | 310.90 |
| Q3 2023 | 310.67 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 633?
- Based on FHFA HPI® data for 3-digit ZIP region 633, the regional index changed +3.5% over the year to Q2 2026, +44.7% over five years, +96.5% over ten years, and +252% since Q1 1995.
- Is ZIP3 633 appreciating faster than Missouri and the U.S.?
- Over the past year the region's index +3.5% compares with +3.6% for Missouri and +3.0% for the U.S., a gap of +0.5 pts versus the nation. Over five years the gap versus the nation is +3.4 pts.
- Which ZIP codes are in 3-digit ZIP region 633?
- All ZIP codes that begin with 633. Census 2010 ZIP Code Tabulation Areas in this region run from 63301 to 63390 (44 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.