3-digit ZIP regional index
Home appreciation in ZIP codes 645xxSt. Joseph, MO area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 645 changed +3.8% over the year to Q2 2026, compared with +3.6% for Missouri and +3.0% for the United States.
The region covers ZIP codes 64501–64507. Most of its 2010 population lived in Buchanan County (95%), Andrew County (5%). Communities in the region include Country Club, Agency, Amazonia. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +3.8%
- 5-year change
- +54.3%
- Since Q1 1995
- +236%
- National rank (1 year)
- 425th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 645 vs Missouri and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 645: 336.1
- Missouri: 344.5
- St. Joseph, MO-KS metro: 346.4
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 645 | MO | U.S. | Gap vs MO | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +3.8% | +3.6% | +3.0% | +0.1 pts | +0.8 pts |
| 3 years | +19.8% | +14.8% | +12.9% | +5.0 pts | +6.9 pts |
| 5 years | +54.3% | +44.2% | +41.3% | +10.1 pts | +13.0 pts |
| 10 years | +88.6% | +95.0% | +93.3% | −6.4 pts | −4.7 pts |
| Since Q1 1995 | +236% | +244% | +292% | −8.3 pts | −55.4 pts |
If you bought in ZIP3 645 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 | +232% | $996,994 |
| Q2 2000 | +155% | $765,998 |
| Q2 2005 | +99.5% | $598,504 |
| Q2 2010 | +94.3% | $582,800 |
| Q2 2015 | +98.6% | $595,887 |
| Q2 2020 | +65.8% | $497,464 |
| Q2 2021 | +54.3% | $462,869 |
| Q2 2023 | +19.8% | $359,410 |
| Q2 2025 | +3.8% | $311,386 |
How ZIP3 645 ranks
Over the past year ZIP3 645 ranks 425th of 882 3-digit ZIP regions nationally and 15th of 25 in Missouri. Its one-year change is +0.8 pts versus the nation and +0.1 pts versus Missouri. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Missouri |
|---|---|---|
| 1 year | 425th of 882 | 15th of 25 |
| 3 years | 208th of 882 | 3rd of 25 |
| 5 years | 135th of 882 | 3rd of 25 |
| 10 years | 488th of 882 | 22nd of 25 |
| Since Q1 1995 | 596th of 879 | 18th of 25 |
Boom, bust, and recovery in ZIP3 645
ZIP3 645's index peaked in Q2 2007, fell 11.8% to its low in Q2 2011, and regained its peak in Q2 2016, about 9 years after the top. Today it sits +88.6% 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 645 | Q2 2007 | Q2 2011 | -11.8% | Q2 2016 (9 yrs) | +88.6% |
| MO | Q2 2007 | Q2 2011 | -11.0% | Q3 2016 (9.2 yrs) | +92.5% |
| Metro | Q2 2007 | Q2 2011 | -10.5% | Q3 2015 (8.2 yrs) | +91.6% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 645's index has changed +51.8% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 645 after inflation | MO after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -0.1% | -0.2% | -1.1% | -0.8% |
| 3 years | +9.8% | +9.1% | +4.6% | +8.7% | +2.8% |
| 5 years | +24.0% | +24.4% | +16.3% | +21.9% | +13.9% |
| 10 years | +39.1% | +35.6% | +40.2% | +35.1% | +39.0% |
| Since Q1 1995 | +121% | +51.8% | +55.6% | +56.5% | +76.8% |
Estimate appreciation for a home in ZIP3 645
Regional estimate
$565,763
- Estimated gain
- $265,763
- Index change
- +88.59%
- Start index
- 178.23
- End index
- 336.12
ZIP3 645 (St. Joseph, 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 |
|---|---|---|---|---|
| 644 · Maryville, MO area | MO | +2.7% | +51.3% | +246% |
| 661 · Kansas City, KS area | KS | +3.9% | +48.6% | +358% |
| 641 · Kansas City, MO area | MO | +3.3% | +41.4% | +282% |
| 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% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 336.12 |
| Q1 2026 | 319.72 |
| Q4 2025 | 317.68 |
| Q3 2025 | 317.10 |
| Q2 2025 | 323.83 |
| Q1 2025 | 308.60 |
| Q4 2024 | 303.68 |
| Q3 2024 | 304.00 |
| Q2 2024 | 302.99 |
| Q1 2024 | 290.42 |
| Q4 2023 | 282.83 |
| Q3 2023 | 286.73 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 645?
- Based on FHFA HPI® data for 3-digit ZIP region 645, the regional index changed +3.8% over the year to Q2 2026, +54.3% over five years, +88.6% over ten years, and +236% since Q1 1995.
- Is ZIP3 645 appreciating faster than Missouri and the U.S.?
- Over the past year the region's index +3.8% compares with +3.6% for Missouri and +3.0% for the U.S., a gap of +0.8 pts versus the nation. Over five years the gap versus the nation is +13.0 pts.
- Which ZIP codes are in 3-digit ZIP region 645?
- All ZIP codes that begin with 645. Census 2010 ZIP Code Tabulation Areas in this region run from 64501 to 64507 (6 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.