3-digit ZIP regional index
Home appreciation in ZIP codes 637xxCape Girardeau, MO area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 637 changed +6.4% over the year to Q2 2026, compared with +3.6% for Missouri and +3.0% for the United States.
The region covers ZIP codes 63701–63787. Most of its 2010 population lived in Cape Girardeau County (60%), Scott County (14%), Perry County (14%). Communities in the region include Jackson, Perryville, Scott City, Chaffee, Marble Hill. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +6.4%
- 5-year change
- +41.4%
- Since Q1 1995
- +196%
- National rank (1 year)
- 105th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 637 vs Missouri and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 637: 296.3
- Missouri: 344.5
- Cape Girardeau, MO-IL metro: 279.9
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 637 | MO | U.S. | Gap vs MO | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +6.4% | +3.6% | +3.0% | +2.8 pts | +3.4 pts |
| 3 years | +16.7% | +14.8% | +12.9% | +1.9 pts | +3.9 pts |
| 5 years | +41.4% | +44.2% | +41.3% | −2.8 pts | +0.1 pts |
| 10 years | +71.9% | +95.0% | +93.3% | −23.1 pts | −21.5 pts |
| Since Q1 1995 | +196% | +244% | +292% | −48.1 pts | −95.2 pts |
If you bought in ZIP3 637 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 | +190% | $870,735 |
| Q2 2000 | +148% | $744,511 |
| Q2 2005 | +99.1% | $597,420 |
| Q2 2010 | +86.9% | $560,719 |
| Q2 2015 | +77.4% | $532,284 |
| Q2 2020 | +53.9% | $461,613 |
| Q2 2021 | +41.4% | $424,110 |
| Q2 2023 | +16.7% | $350,173 |
| Q2 2025 | +6.4% | $319,275 |
How ZIP3 637 ranks
Over the past year ZIP3 637 ranks 105th of 882 3-digit ZIP regions nationally and 2nd of 25 in Missouri. Its one-year change is +3.4 pts versus the nation and +2.8 pts versus Missouri. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Missouri |
|---|---|---|
| 1 year | 105th of 882 | 2nd of 25 |
| 3 years | 365th of 882 | 16th of 25 |
| 5 years | 541st of 882 | 23rd of 25 |
| 10 years | 723rd of 882 | 25th of 25 |
| Since Q1 1995 | 796th of 879 | 25th of 25 |
Boom, bust, and recovery in ZIP3 637
ZIP3 637's index peaked in Q1 2009, fell 5.4% to its low in Q2 2011, and regained its peak in Q2 2014, about 5.2 years after the top. Today it sits +79.6% 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 637 | Q1 2009 | Q2 2011 | -5.4% | Q2 2014 (5.2 yrs) | +79.6% |
| MO | Q2 2007 | Q2 2011 | -11.0% | Q3 2016 (9.2 yrs) | +92.5% |
| Metro | Q1 2008 | Q2 2011 | -5.2% | Q2 2014 (6.2 yrs) | +74.5% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 637's index has changed +33.8% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 637 after inflation | MO after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +2.5% | -0.2% | +0.8% | -0.8% |
| 3 years | +9.8% | +6.3% | +4.6% | +4.9% | +2.8% |
| 5 years | +24.0% | +14.0% | +16.3% | +12.0% | +13.9% |
| 10 years | +39.1% | +23.6% | +40.2% | +20.1% | +39.0% |
| Since Q1 1995 | +121% | +33.8% | +55.6% | +26.4% | +76.8% |
Estimate appreciation for a home in ZIP3 637
Regional estimate
$515,643
- Estimated gain
- $215,643
- Index change
- +71.88%
- Start index
- 172.41
- End index
- 296.34
ZIP3 637 (Cape Girardeau, 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 |
|---|---|---|---|---|
| 629 · Carbondale, IL area | IL | +3.5% | +41.9% | +168% |
| 636 · Farmington, MO area | MO | +5.4% | +53.2% | +255% |
| 638 · Sikeston, MO area | MO | +5.4% | +53.2% | +255% |
| 639 · Poplar Bluff, MO area | MO | +5.4% | +53.2% | +255% |
| 420 · Paducah, KY area | KY | +5.3% | +48.2% | +213% |
| 622 · Belleville, IL area | IL | +6.3% | +48.6% | +183% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 296.34 |
| Q1 2026 | 287.27 |
| Q4 2025 | 285.44 |
| Q3 2025 | 306.42 |
| Q2 2025 | 278.45 |
| Q1 2025 | 273.09 |
| Q4 2024 | 270.06 |
| Q3 2024 | 277.41 |
| Q2 2024 | 268.39 |
| Q1 2024 | 251.07 |
| Q4 2023 | 259.49 |
| Q3 2023 | 261.50 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 637?
- Based on FHFA HPI® data for 3-digit ZIP region 637, the regional index changed +6.4% over the year to Q2 2026, +41.4% over five years, +71.9% over ten years, and +196% since Q1 1995.
- Is ZIP3 637 appreciating faster than Missouri and the U.S.?
- Over the past year the region's index +6.4% compares with +3.6% for Missouri and +3.0% for the U.S., a gap of +3.4 pts versus the nation. Over five years the gap versus the nation is +0.1 pts.
- Which ZIP codes are in 3-digit ZIP region 637?
- All ZIP codes that begin with 637. Census 2010 ZIP Code Tabulation Areas in this region run from 63701 to 63787 (37 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.