3-digit ZIP regional index
Home appreciation in ZIP codes 648xxJoplin, MO area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 648 changed +3.2% over the year to Q2 2026, compared with +3.6% for Missouri and +3.0% for the United States.
The region covers ZIP codes 64801–64874. Most of its 2010 population lived in Jasper County (58%), Newton County (29%), McDonald County (11%). Communities in the region include Carthage, Neosho, Webb City, Carl Junction, Oronogo. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +3.2%
- 5-year change
- +50.0%
- Since Q1 1995
- +221%
- National rank (1 year)
- 517th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 648 vs Missouri and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 648: 321.3
- Missouri: 344.5
- Joplin, MO-KS metro: 315.8
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 648 | MO | U.S. | Gap vs MO | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +3.2% | +3.6% | +3.0% | −0.5 pts | +0.1 pts |
| 3 years | +15.4% | +14.8% | +12.9% | +0.6 pts | +2.6 pts |
| 5 years | +50.0% | +44.2% | +41.3% | +5.9 pts | +8.8 pts |
| 10 years | +96.1% | +95.0% | +93.3% | +1.1 pts | +2.7 pts |
| Since Q1 1995 | +221% | +244% | +292% | −23.1 pts | −70.2 pts |
If you bought in ZIP3 648 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 | +220% | $959,164 |
| Q2 2000 | +170% | $809,574 |
| Q2 2005 | +117% | $652,294 |
| Q2 2010 | +110% | $628,765 |
| Q2 2015 | +99.0% | $596,879 |
| Q2 2020 | +68.4% | $505,326 |
| Q2 2021 | +50.1% | $450,154 |
| Q2 2023 | +15.4% | $346,337 |
| Q2 2025 | +3.2% | $309,467 |
How ZIP3 648 ranks
Over the past year ZIP3 648 ranks 517th of 882 3-digit ZIP regions nationally and 21st of 25 in Missouri. Its one-year change is +0.1 pts versus the nation and −0.5 pts versus Missouri. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Missouri |
|---|---|---|
| 1 year | 517th of 882 | 21st of 25 |
| 3 years | 428th of 882 | 19th of 25 |
| 5 years | 266th of 882 | 16th of 25 |
| 10 years | 372nd of 882 | 19th of 25 |
| Since Q1 1995 | 679th of 879 | 22nd of 25 |
Boom, bust, and recovery in ZIP3 648
ZIP3 648's index peaked in Q1 2008, fell 7.0% to its low in Q2 2011, and regained its peak in Q3 2012, about 4.5 years after the top. Today it sits +99.1% 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 648 | Q1 2008 | Q2 2011 | -7.0% | Q3 2012 (4.5 yrs) | +99.1% |
| MO | Q2 2007 | Q2 2011 | -11.0% | Q3 2016 (9.2 yrs) | +92.5% |
| Metro | Q1 2008 | Q2 2011 | -6.5% | Q3 2012 (4.5 yrs) | +96.6% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 648's index has changed +45.1% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 648 after inflation | MO after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -0.7% | -0.2% | -1.8% | -0.8% |
| 3 years | +9.8% | +5.1% | +4.6% | +3.9% | +2.8% |
| 5 years | +24.0% | +21.0% | +16.3% | +18.6% | +13.9% |
| 10 years | +39.1% | +41.0% | +40.2% | +38.1% | +39.0% |
| Since Q1 1995 | +121% | +45.1% | +55.6% | +42.6% | +76.8% |
Estimate appreciation for a home in ZIP3 648
Regional estimate
$588,211
- Estimated gain
- $288,211
- Index change
- +96.07%
- Start index
- 163.88
- End index
- 321.32
ZIP3 648 (Joplin, 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 |
|---|---|---|---|---|
| 743 · Miami, OK area | OK | +1.5% | +38.9% | +225% |
| 667 · Pittsburg, KS area | KS | +3.4% | +42.4% | +223% |
| 727 · Fayetteville, AR area | AR | +3.6% | +58.2% | +295% |
| 658 · Springfield, MO area | MO | +2.5% | +43.9% | +209% |
| 673 · Parsons, KS area | KS | +3.4% | +42.4% | +223% |
| 656 · Branson, MO area | MO | +7.3% | +55.7% | +258% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 321.32 |
| Q1 2026 | 315.06 |
| Q4 2025 | 319.35 |
| Q3 2025 | 313.59 |
| Q2 2025 | 311.49 |
| Q1 2025 | 308.50 |
| Q4 2024 | 302.32 |
| Q3 2024 | 303.47 |
| Q2 2024 | 298.27 |
| Q1 2024 | 292.55 |
| Q4 2023 | 292.35 |
| Q3 2023 | 287.42 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 648?
- Based on FHFA HPI® data for 3-digit ZIP region 648, the regional index changed +3.2% over the year to Q2 2026, +50.0% over five years, +96.1% over ten years, and +221% since Q1 1995.
- Is ZIP3 648 appreciating faster than Missouri and the U.S.?
- Over the past year the region's index +3.2% compares with +3.6% for Missouri and +3.0% for the U.S., a gap of +0.1 pts versus the nation. Over five years the gap versus the nation is +8.8 pts.
- Which ZIP codes are in 3-digit ZIP region 648?
- All ZIP codes that begin with 648. Census 2010 ZIP Code Tabulation Areas in this region run from 64801 to 64874 (33 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.