3-digit ZIP regional index
Home appreciation in ZIP codes 652xxColumbia, MO area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 652 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 65201–65287. Most of its 2010 population lived in Boone County (59%), Callaway County (10%), Randolph County (10%). Communities in the region include Moberly, Fulton, Mexico, Boonville, Centralia. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +3.2%
- 5-year change
- +47.0%
- Since Q1 1995
- +227%
- National rank (1 year)
- 504th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 652 vs Missouri and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 652: 327.3
- Missouri: 344.5
- Columbia, MO metro: 324.6
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 652 | MO | U.S. | Gap vs MO | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +3.2% | +3.6% | +3.0% | −0.4 pts | +0.2 pts |
| 3 years | +18.7% | +14.8% | +12.9% | +3.9 pts | +5.9 pts |
| 5 years | +47.0% | +44.2% | +41.3% | +2.8 pts | +5.7 pts |
| 10 years | +89.8% | +95.0% | +93.3% | −5.2 pts | −3.6 pts |
| Since Q1 1995 | +227% | +244% | +292% | −17.2 pts | −64.3 pts |
If you bought in ZIP3 652 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 | +225% | $973,602 |
| Q2 2000 | +177% | $830,609 |
| Q2 2005 | +123% | $668,924 |
| Q2 2010 | +110% | $628,822 |
| Q2 2015 | +94.6% | $583,733 |
| Q2 2020 | +66.8% | $500,321 |
| Q2 2021 | +47.0% | $441,051 |
| Q2 2023 | +18.7% | $356,182 |
| Q2 2025 | +3.2% | $309,710 |
How ZIP3 652 ranks
Over the past year ZIP3 652 ranks 504th of 882 3-digit ZIP regions nationally and 19th of 25 in Missouri. Its one-year change is +0.2 pts versus the nation and −0.4 pts versus Missouri. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Missouri |
|---|---|---|
| 1 year | 504th of 882 | 19th of 25 |
| 3 years | 247th of 882 | 5th of 25 |
| 5 years | 349th of 882 | 17th of 25 |
| 10 years | 458th of 882 | 20th of 25 |
| Since Q1 1995 | 639th of 879 | 21st of 25 |
Boom, bust, and recovery in ZIP3 652
ZIP3 652's index peaked in Q1 2008, fell 4.2% to its low in Q2 2011, and regained its peak in Q3 2013, about 5.5 years after the top. Today it sits +105% 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 652 | Q1 2008 | Q2 2011 | -4.2% | Q3 2013 (5.5 yrs) | +105% |
| MO | Q2 2007 | Q2 2011 | -11.0% | Q3 2016 (9.2 yrs) | +92.5% |
| Metro | Q1 2008 | Q2 2011 | -4.0% | Q2 2013 (5.2 yrs) | +105% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 652's index has changed +47.8% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 652 after inflation | MO after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -0.6% | -0.2% | -0.6% | -0.8% |
| 3 years | +9.8% | +8.1% | +4.6% | +6.8% | +2.8% |
| 5 years | +24.0% | +18.5% | +16.3% | +17.7% | +13.9% |
| 10 years | +39.1% | +36.4% | +40.2% | +35.4% | +39.0% |
| Since Q1 1995 | +121% | +47.8% | +55.6% | +46.6% | +76.8% |
Estimate appreciation for a home in ZIP3 652
Regional estimate
$569,247
- Estimated gain
- $269,247
- Index change
- +89.75%
- Start index
- 172.47
- End index
- 327.26
ZIP3 652 (Columbia, 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 |
|---|---|---|---|---|
| 651 · Jefferson City, MO area | MO | +4.5% | +58.3% | +229% |
| 650 · Eldon, MO area | MO | +4.4% | +52.8% | +296% |
| 653 · Sedalia, MO area | MO | +5.4% | +53.2% | +255% |
| 634 · Hannibal, MO area | MO | +5.4% | +53.2% | +255% |
| 635 · Kirksville, MO area | MO | +5.4% | +53.2% | +255% |
| 633 · O'Fallon, MO area | MO | +3.5% | +44.7% | +252% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 327.26 |
| Q1 2026 | 326.57 |
| Q4 2025 | 320.45 |
| Q3 2025 | 323.75 |
| Q2 2025 | 317.00 |
| Q1 2025 | 316.67 |
| Q4 2024 | 303.13 |
| Q3 2024 | 310.45 |
| Q2 2024 | 310.99 |
| Q1 2024 | 290.90 |
| Q4 2023 | 286.90 |
| Q3 2023 | 283.85 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 652?
- Based on FHFA HPI® data for 3-digit ZIP region 652, the regional index changed +3.2% over the year to Q2 2026, +47.0% over five years, +89.8% over ten years, and +227% since Q1 1995.
- Is ZIP3 652 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 +0.2 pts versus the nation. Over five years the gap versus the nation is +5.7 pts.
- Which ZIP codes are in 3-digit ZIP region 652?
- All ZIP codes that begin with 652. Census 2010 ZIP Code Tabulation Areas in this region run from 65201 to 65287 (45 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.