3-digit ZIP regional index
Home appreciation in ZIP codes 641xxKansas City, MO area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 641 changed +3.3% over the year to Q2 2026, compared with +3.6% for Missouri and +3.0% for the United States.
The region covers ZIP codes 64101–64192. Most of its 2010 population lived in Jackson County (61%), Clay County (27%), Platte County (13%). Communities in the region include Raytown, Gladstone, Parkville, North Kansas City, Riverside. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +3.3%
- 5-year change
- +41.4%
- Since Q1 1995
- +282%
- National rank (1 year)
- 500th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 641 vs Missouri and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 641: 381.8
- Missouri: 344.5
- Kansas City, MO-KS metro: 376.3
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 641 | MO | U.S. | Gap vs MO | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +3.3% | +3.6% | +3.0% | −0.4 pts | +0.3 pts |
| 3 years | +11.4% | +14.8% | +12.9% | −3.4 pts | −1.5 pts |
| 5 years | +41.4% | +44.2% | +41.3% | −2.8 pts | +0.1 pts |
| 10 years | +108% | +95.0% | +93.3% | +13.2 pts | +14.9 pts |
| Since Q1 1995 | +282% | +244% | +292% | +37.3 pts | −9.7 pts |
If you bought in ZIP3 641 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 | +279% | $1,137,694 |
| Q2 2000 | +183% | $849,662 |
| Q2 2005 | +116% | $647,831 |
| Q2 2010 | +128% | $683,553 |
| Q2 2015 | +120% | $661,334 |
| Q2 2020 | +60.0% | $480,023 |
| Q2 2021 | +41.3% | $424,045 |
| Q2 2023 | +11.4% | $334,169 |
| Q2 2025 | +3.3% | $309,835 |
How ZIP3 641 ranks
Over the past year ZIP3 641 ranks 500th of 882 3-digit ZIP regions nationally and 18th of 25 in Missouri. Its one-year change is +0.3 pts versus the nation and −0.4 pts versus Missouri. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Missouri |
|---|---|---|
| 1 year | 500th of 882 | 18th of 25 |
| 3 years | 662nd of 882 | 25th of 25 |
| 5 years | 542nd of 882 | 24th of 25 |
| 10 years | 215th of 882 | 4th of 25 |
| Since Q1 1995 | 368th of 879 | 2nd of 25 |
Boom, bust, and recovery in ZIP3 641
ZIP3 641's index peaked in Q4 2006, fell 15.3% to its low in Q2 2012, and regained its peak in Q3 2016, about 9.8 years after the top. Today it sits +108% 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 641 | Q4 2006 | Q2 2012 | -15.3% | Q3 2016 (9.8 yrs) | +108% |
| MO | Q2 2007 | Q2 2011 | -11.0% | Q3 2016 (9.2 yrs) | +92.5% |
| Metro | Q2 2007 | Q2 2012 | -12.5% | Q2 2016 (9 yrs) | +111% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 641's index has changed +72.5% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 641 after inflation | MO after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -0.6% | -0.2% | -0.7% | -0.8% |
| 3 years | +9.8% | +1.4% | +4.6% | +3.1% | +2.8% |
| 5 years | +24.0% | +14.0% | +16.3% | +14.8% | +13.9% |
| 10 years | +39.1% | +49.7% | +40.2% | +48.9% | +39.0% |
| Since Q1 1995 | +121% | +72.5% | +55.6% | +70.0% | +76.8% |
Estimate appreciation for a home in ZIP3 641
Regional estimate
$624,621
- Estimated gain
- $324,621
- Index change
- +108%
- Start index
- 183.38
- End index
- 381.81
ZIP3 641 (Kansas City, 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 |
|---|---|---|---|---|
| 661 · Kansas City, KS area | KS | +3.9% | +48.6% | +358% |
| 662 · Overland Park, KS area | KS | +3.6% | +40.7% | +295% |
| 640 · Independence, MO area | MO | +3.4% | +42.8% | +253% |
| 660 · Olathe, KS area | KS | +2.6% | +42.9% | +269% |
| 645 · St. Joseph, MO area | MO | +3.8% | +54.3% | +236% |
| 666 · Topeka, KS area | KS | +4.4% | +45.6% | +206% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 381.81 |
| Q1 2026 | 378.45 |
| Q4 2025 | 371.89 |
| Q3 2025 | 372.52 |
| Q2 2025 | 369.69 |
| Q1 2025 | 360.34 |
| Q4 2024 | 354.39 |
| Q3 2024 | 360.91 |
| Q2 2024 | 360.61 |
| Q1 2024 | 353.89 |
| Q4 2023 | 343.32 |
| Q3 2023 | 345.04 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 641?
- Based on FHFA HPI® data for 3-digit ZIP region 641, the regional index changed +3.3% over the year to Q2 2026, +41.4% over five years, +108% over ten years, and +282% since Q1 1995.
- Is ZIP3 641 appreciating faster than Missouri and the U.S.?
- Over the past year the region's index +3.3% compares with +3.6% for Missouri and +3.0% for the U.S., a gap of +0.3 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 641?
- All ZIP codes that begin with 641. Census 2010 ZIP Code Tabulation Areas in this region run from 64101 to 64192 (52 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.