3-digit ZIP regional index
Home appreciation in ZIP codes 738xxWoodward, OK area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 738 changed +1.5% over the year to Q2 2026, compared with +2.8% for Oklahoma and +3.0% for the United States.
The region covers ZIP codes 73801–73860. Most of its 2010 population lived in Woodward County (62%), Ellis County (13%), Harper County (11%). Communities in the region include Shattuck, Laverne, Buffalo, Mooreland, Waynoka. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +1.5%
- 5-year change
- +38.9%
- Since Q1 1995
- +225%
- National rank (1 year)
- 711th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 738 vs Oklahoma and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 738: 324.8
- Oklahoma: 338.0
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 738 | OK | U.S. | Gap vs OK | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +1.5% | +2.8% | +3.0% | −1.3 pts | −1.5 pts |
| 3 years | +12.7% | +11.6% | +12.9% | +1.1 pts | −0.2 pts |
| 5 years | +38.9% | +39.9% | +41.3% | −1.0 pts | −2.4 pts |
| 10 years | +72.0% | +77.0% | +93.3% | −5.0 pts | −21.3 pts |
| Since Q1 1995 | +225% | +238% | +292% | −13.2 pts | −66.8 pts |
If you bought in ZIP3 738 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 | +221% | $962,501 |
| Q2 2000 | +170% | $809,723 |
| Q2 2005 | +117% | $651,166 |
| Q2 2010 | +88.8% | $566,312 |
| Q2 2015 | +75.9% | $527,583 |
| Q2 2020 | +53.0% | $459,075 |
| Q2 2021 | +38.9% | $416,723 |
| Q2 2023 | +12.7% | $338,019 |
| Q2 2025 | +1.5% | $304,510 |
How ZIP3 738 ranks
Over the past year ZIP3 738 ranks 711th of 882 3-digit ZIP regions nationally and 8th of 17 in Oklahoma. Its one-year change is −1.5 pts versus the nation and −1.3 pts versus Oklahoma. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Oklahoma |
|---|---|---|
| 1 year | 711th of 882 | 8th of 17 |
| 3 years | 604th of 882 | 5th of 17 |
| 5 years | 620th of 882 | 6th of 17 |
| 10 years | 712th of 882 | 7th of 17 |
| Since Q1 1995 | 652nd of 879 | 7th of 16 |
Boom, bust, and recovery in ZIP3 738
ZIP3 738's index peaked in Q1 2009, fell 4.9% to its low in Q1 2011, and regained its peak in Q1 2014, about 5 years after the top. Today it sits +83.1% 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 738 | Q1 2009 | Q1 2011 | -4.9% | Q1 2014 (5 yrs) | +83.1% |
| OK | Q1 2009 | Q3 2011 | -3.6% | Q2 2013 (4.2 yrs) | +93.4% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 738's index has changed +46.7% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 738 after inflation | OK after inflation | U.S. after inflation |
|---|---|---|---|---|
| 1 year | +3.9% | -2.3% | -1.0% | -0.8% |
| 3 years | +9.8% | +2.6% | +1.6% | +2.8% |
| 5 years | +24.0% | +12.0% | +12.8% | +13.9% |
| 10 years | +39.1% | +23.7% | +27.3% | +39.0% |
| Since Q1 1995 | +121% | +46.7% | +52.6% | +76.8% |
Estimate appreciation for a home in ZIP3 738
Regional estimate
$516,015
- Estimated gain
- $216,015
- Index change
- +72.01%
- Start index
- 188.82
- End index
- 324.78
ZIP3 738 (Woodward, OK area), Q2 2016 to Q2 2026. Index type: Balance of State.
Nearby 3-digit ZIP regions
| 3-digit ZIP region | State | 1 year | 5 years | Since Q1 1995 |
|---|---|---|---|---|
| 736 · Elk City, OK area | OK | +1.5% | +38.9% | +225% |
| 737 · Enid, OK area | OK | +8.3% | +31.2% | Not available |
| 679 · Liberal, KS area | KS | +3.4% | +42.4% | +223% |
| 739 · Guymon, OK area | OK | +1.5% | +38.9% | +225% |
| 678 · Dodge City, KS area | KS | -0.3% | +38.7% | +223% |
| 730 · Norman, OK area | OK | +3.6% | +38.6% | +237% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 324.78 |
| Q1 2026 | 324.24 |
| Q4 2025 | 321.54 |
| Q3 2025 | 317.53 |
| Q2 2025 | 319.97 |
| Q1 2025 | 310.81 |
| Q4 2024 | 308.24 |
| Q3 2024 | 305.55 |
| Q2 2024 | 302.25 |
| Q1 2024 | 305.22 |
| Q4 2023 | 295.49 |
| Q3 2023 | 292.45 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 738?
- Based on FHFA HPI® data for 3-digit ZIP region 738, the regional index changed +1.5% over the year to Q2 2026, +38.9% over five years, +72.0% over ten years, and +225% since Q1 1995.
- Is ZIP3 738 appreciating faster than Oklahoma and the U.S.?
- Over the past year the region's index +1.5% compares with +2.8% for Oklahoma and +3.0% for the U.S., a gap of −1.5 pts versus the nation. Over five years the gap versus the nation is −2.4 pts.
- Which ZIP codes are in 3-digit ZIP region 738?
- All ZIP codes that begin with 738. Census 2010 ZIP Code Tabulation Areas in this region run from 73801 to 73860 (19 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.