3-digit ZIP regional index
Home appreciation in ZIP codes 780xxLaredo, TX area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 780 changed +4.4% over the year to Q2 2026, compared with +1.6% for Texas and +3.0% for the United States.
The region covers ZIP codes 78001–78076. Most of its 2010 population lived in Webb County (46%), Bexar County (10%), Kerr County (9%). Communities in the region include Kerrville, San Antonio, Boerne, Pearsall, Pleasanton. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +4.4%
- 5-year change
- +38.1%
- Since Q1 1995
- +273%
- National rank (1 year)
- 344th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 780 vs Texas and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 780: 373.3
- Texas: 409.6
- Laredo, TX metro: 279.4
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 780 | TX | U.S. | Gap vs TX | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +4.4% | +1.6% | +3.0% | +2.8 pts | +1.3 pts |
| 3 years | +4.8% | +6.2% | +12.9% | −1.4 pts | −8.0 pts |
| 5 years | +38.1% | +34.4% | +41.3% | +3.8 pts | −3.2 pts |
| 10 years | +88.0% | +87.1% | +93.3% | +0.9 pts | −5.3 pts |
| Since Q1 1995 | +273% | +310% | +292% | −36.3 pts | −18.3 pts |
If you bought in ZIP3 780 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 | +269% | $1,105,608 |
| Q2 2000 | +223% | $969,165 |
| Q2 2005 | +153% | $760,368 |
| Q2 2010 | +123% | $669,779 |
| Q2 2015 | +92.7% | $577,968 |
| Q2 2020 | +55.2% | $465,720 |
| Q2 2021 | +38.1% | $414,383 |
| Q2 2023 | +4.8% | $314,508 |
| Q2 2025 | +4.4% | $313,075 |
How ZIP3 780 ranks
Over the past year ZIP3 780 ranks 344th of 882 3-digit ZIP regions nationally and 9th of 47 in Texas. Its one-year change is +1.3 pts versus the nation and +2.8 pts versus Texas. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Texas |
|---|---|---|
| 1 year | 344th of 882 | 9th of 47 |
| 3 years | 829th of 882 | 36th of 47 |
| 5 years | 652nd of 882 | 25th of 47 |
| 10 years | 497th of 882 | 24th of 47 |
| Since Q1 1995 | 398th of 879 | 30th of 47 |
Boom, bust, and recovery in ZIP3 780
ZIP3 780's index peaked in Q1 2009, fell 6.0% to its low in Q2 2010, and regained its peak in Q4 2013, about 4.8 years after the top. Today it sits +110% 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 780 | Q1 2009 | Q2 2010 | -6.0% | Q4 2013 (4.8 yrs) | +110% |
| TX | Q1 2009 | Q2 2011 | -4.2% | Q2 2013 (4.2 yrs) | +134% |
| Metro | Q4 2007 | Q2 2010 | -12.8% | Q2 2015 (7.5 yrs) | +73.5% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 780's index has changed +68.6% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 780 after inflation | TX after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +0.5% | -2.2% | -1.6% | -0.8% |
| 3 years | +9.8% | -4.5% | -3.3% | -5.2% | +2.8% |
| 5 years | +24.0% | +11.4% | +8.3% | +8.3% | +13.9% |
| 10 years | +39.1% | +35.2% | +34.5% | +20.8% | +39.0% |
| Since Q1 1995 | +121% | +68.6% | +85.0% | +26.2% | +76.8% |
Estimate appreciation for a home in ZIP3 780
Regional estimate
$564,081
- Estimated gain
- $264,081
- Index change
- +88.03%
- Start index
- 198.53
- End index
- 373.29
ZIP3 780 (Laredo, TX 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 |
|---|---|---|---|---|
| 782 · San Antonio, TX area | TX | -0.7% | +26.2% | +267% |
| 788 · Del Rio, TX area | TX | +2.9% | +43.8% | +323% |
| 781 · New Braunfels, TX area | TX | -1.3% | +35.9% | +308% |
| 783 · Kingsville, TX area | TX | +1.4% | +28.2% | +232% |
| 784 · Corpus Christi, TX area | TX | -0.6% | +25.3% | +204% |
| 779 · Victoria, TX area | TX | +5.3% | +38.2% | +249% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 373.29 |
| Q1 2026 | 367.02 |
| Q4 2025 | 381.32 |
| Q3 2025 | 370.74 |
| Q2 2025 | 357.70 |
| Q1 2025 | 361.56 |
| Q4 2024 | 359.39 |
| Q3 2024 | 352.97 |
| Q2 2024 | 360.02 |
| Q1 2024 | 359.95 |
| Q4 2023 | 349.78 |
| Q3 2023 | 352.79 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 780?
- Based on FHFA HPI® data for 3-digit ZIP region 780, the regional index changed +4.4% over the year to Q2 2026, +38.1% over five years, +88.0% over ten years, and +273% since Q1 1995.
- Is ZIP3 780 appreciating faster than Texas and the U.S.?
- Over the past year the region's index +4.4% compares with +1.6% for Texas and +3.0% for the U.S., a gap of +1.3 pts versus the nation. Over five years the gap versus the nation is −3.2 pts.
- Which ZIP codes are in 3-digit ZIP region 780?
- All ZIP codes that begin with 780. Census 2010 ZIP Code Tabulation Areas in this region run from 78001 to 78076 (55 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.