3-digit ZIP regional index
Home appreciation in ZIP codes 838xxCoeur d'Alene, ID area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 838 changed +3.4% over the year to Q2 2026, compared with +3.0% for Idaho and +3.0% for the United States.
The region covers ZIP codes 83801–83876. Most of its 2010 population lived in Kootenai County (56%), Bonner County (16%), Latah County (14%). Communities in the region include Post Falls, Moscow, Hayden, Sandpoint, Rathdrum. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +3.4%
- 5-year change
- +37.2%
- Since Q1 1995
- +409%
- National rank (1 year)
- 496th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 838 vs Idaho and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 838: 509.0
- Idaho: 487.0
- Coeur d'Alene, ID metro: 535.4
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 838 | ID | U.S. | Gap vs ID | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +3.4% | +3.0% | +3.0% | +0.4 pts | +0.3 pts |
| 3 years | +12.7% | +11.5% | +12.9% | +1.2 pts | −0.1 pts |
| 5 years | +37.2% | +34.1% | +41.3% | +3.1 pts | −4.1 pts |
| 10 years | +154% | +153% | +93.3% | +1.4 pts | +60.6 pts |
| Since Q1 1995 | +409% | +387% | +292% | +22.0 pts | +117.5 pts |
If you bought in ZIP3 838 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 | +393% | $1,479,279 |
| Q2 2000 | +361% | $1,384,461 |
| Q2 2005 | +198% | $893,959 |
| Q2 2010 | +186% | $858,526 |
| Q2 2015 | +173% | $820,471 |
| Q2 2020 | +75.4% | $526,137 |
| Q2 2021 | +37.2% | $411,595 |
| Q2 2023 | +12.7% | $338,159 |
| Q2 2025 | +3.4% | $310,050 |
How ZIP3 838 ranks
Over the past year ZIP3 838 ranks 496th of 882 3-digit ZIP regions nationally and 3rd of 7 in Idaho. Its one-year change is +0.3 pts versus the nation and +0.4 pts versus Idaho. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Idaho |
|---|---|---|
| 1 year | 496th of 882 | 3rd of 7 |
| 3 years | 599th of 882 | 3rd of 7 |
| 5 years | 674th of 882 | 3rd of 7 |
| 10 years | 2nd of 882 | 2nd of 7 |
| Since Q1 1995 | 75th of 879 | 2nd of 7 |
Boom, bust, and recovery in ZIP3 838
ZIP3 838's index peaked in Q2 2007, fell 26.1% to its low in Q2 2011, and regained its peak in Q2 2017, about 10 years after the top. Today it sits +137% 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 838 | Q2 2007 | Q2 2011 | -26.1% | Q2 2017 (10 yrs) | +137% |
| ID | Q1 2008 | Q2 2011 | -26.9% | Q1 2017 (9 yrs) | +139% |
| Metro | Q1 2007 | Q2 2011 | -29.3% | Q2 2017 (10.2 yrs) | +145% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 838's index has changed +130% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 838 after inflation | ID after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -0.5% | -0.9% | -0.4% | -0.8% |
| 3 years | +9.8% | +2.6% | +1.5% | +3.4% | +2.8% |
| 5 years | +24.0% | +10.6% | +8.2% | +7.5% | +13.9% |
| 10 years | +39.1% | +82.6% | +81.5% | +88.4% | +39.0% |
| Since Q1 1995 | +121% | +130% | +120% | +142% | +76.8% |
Estimate appreciation for a home in ZIP3 838
Regional estimate
$761,854
- Estimated gain
- $461,854
- Index change
- +154%
- Start index
- 200.44
- End index
- 509.02
ZIP3 838 (Coeur d'Alene, ID 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 |
|---|---|---|---|---|
| 992 · Spokane, WA area | WA | -0.1% | +28.5% | +327% |
| 990 · Spokane Valley, WA area | WA | +1.0% | +28.8% | +310% |
| 991 · Pullman, WA area | WA | +0.7% | +37.3% | +290% |
| 994 · Clarkston, WA area | WA | +4.7% | +40.3% | +323% |
| 835 · Lewiston, ID area | ID | +4.7% | +40.3% | +323% |
| 599 · Kalispell, MT area | MT | -1.6% | +50.5% | +441% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 509.02 |
| Q1 2026 | 495.29 |
| Q4 2025 | 484.98 |
| Q3 2025 | 494.16 |
| Q2 2025 | 492.52 |
| Q1 2025 | 478.15 |
| Q4 2024 | 486.55 |
| Q3 2024 | 482.60 |
| Q2 2024 | 470.54 |
| Q1 2024 | 461.84 |
| Q4 2023 | 459.96 |
| Q3 2023 | 469.30 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 838?
- Based on FHFA HPI® data for 3-digit ZIP region 838, the regional index changed +3.4% over the year to Q2 2026, +37.2% over five years, +154% over ten years, and +409% since Q1 1995.
- Is ZIP3 838 appreciating faster than Idaho and the U.S.?
- Over the past year the region's index +3.4% compares with +3.0% for Idaho and +3.0% for the U.S., a gap of +0.3 pts versus the nation. Over five years the gap versus the nation is −4.1 pts.
- Which ZIP codes are in 3-digit ZIP region 838?
- All ZIP codes that begin with 838. Census 2010 ZIP Code Tabulation Areas in this region run from 83801 to 83876 (60 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.