3-digit ZIP regional index
Home appreciation in ZIP codes 860xxFlagstaff, AZ area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 860 changed +2.8% over the year to Q2 2026, compared with +0.9% for Arizona and +3.0% for the United States.
The region covers ZIP codes 86001–86054. Most of its 2010 population lived in Coconino County (72%), Navajo County (23%). Communities in the region include Winslow, Tuba City, Page, Doney Park, Kayenta. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +2.8%
- 5-year change
- +47.5%
- Since Q1 1995
- +393%
- National rank (1 year)
- 581st
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 860 vs Arizona and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 860: 493.0
- Arizona: 471.5
- Flagstaff, AZ metro: 494.1
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 860 | AZ | U.S. | Gap vs AZ | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +2.8% | +0.9% | +3.0% | +1.9 pts | −0.2 pts |
| 3 years | +13.7% | +8.2% | +12.9% | +5.5 pts | +0.8 pts |
| 5 years | +47.5% | +36.3% | +41.3% | +11.2 pts | +6.2 pts |
| 10 years | +119% | +116% | +93.3% | +3.3 pts | +26.1 pts |
| Since Q1 1995 | +393% | +372% | +292% | +21.4 pts | +101.4 pts |
If you bought in ZIP3 860 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 | +389% | $1,467,785 |
| Q2 2000 | +303% | $1,208,778 |
| Q2 2005 | +148% | $743,373 |
| Q2 2010 | +152% | $755,834 |
| Q2 2015 | +132% | $696,332 |
| Q2 2020 | +72.4% | $517,329 |
| Q2 2021 | +47.5% | $442,386 |
| Q2 2023 | +13.7% | $341,084 |
| Q2 2025 | +2.8% | $308,453 |
How ZIP3 860 ranks
Over the past year ZIP3 860 ranks 581st of 882 3-digit ZIP regions nationally and 1st of 11 in Arizona. Its one-year change is −0.2 pts versus the nation and +1.9 pts versus Arizona. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Arizona |
|---|---|---|
| 1 year | 581st of 882 | 1st of 11 |
| 3 years | 548th of 882 | 1st of 11 |
| 5 years | 333rd of 882 | 1st of 11 |
| 10 years | 100th of 882 | 5th of 11 |
| Since Q1 1995 | 88th of 879 | 3rd of 11 |
Boom, bust, and recovery in ZIP3 860
ZIP3 860's index peaked in Q1 2007, fell 34.1% to its low in Q1 2012, and regained its peak in Q2 2018, about 11.2 years after the top. Today it sits +91.3% 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 860 | Q1 2007 | Q1 2012 | -34.1% | Q2 2018 (11.2 yrs) | +91.3% |
| AZ | Q4 2006 | Q2 2011 | -46.0% | Q3 2019 (12.8 yrs) | +72.5% |
| Metro | Q2 2007 | Q1 2012 | -33.9% | Q2 2018 (11 yrs) | +90.1% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 860's index has changed +123% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 860 after inflation | AZ after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -1.0% | -2.8% | -0.9% | -0.8% |
| 3 years | +9.8% | +3.5% | -1.4% | +2.2% | +2.8% |
| 5 years | +24.0% | +18.9% | +9.9% | +18.3% | +13.9% |
| 10 years | +39.1% | +57.8% | +55.4% | +56.7% | +39.0% |
| Since Q1 1995 | +121% | +123% | +113% | +123% | +76.8% |
Estimate appreciation for a home in ZIP3 860
Regional estimate
$658,389
- Estimated gain
- $358,389
- Index change
- +119%
- Start index
- 224.63
- End index
- 492.98
ZIP3 860 (Flagstaff, AZ 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 |
|---|---|---|---|---|
| 863 · Prescott, AZ area | AZ | -1.3% | +34.9% | +340% |
| 859 · Show Low, AZ area | AZ | +2.0% | +46.0% | +331% |
| 873 · Gallup, NM area | NM | +1.3% | +36.8% | +236% |
| 850 · Phoenix, AZ area | AZ | +0.5% | +35.6% | +469% |
| 852 · Mesa, AZ area | AZ | +0.8% | +36.1% | +418% |
| 847 · St. George, UT area | UT | -0.2% | +32.1% | +290% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 492.98 |
| Q1 2026 | 477.66 |
| Q4 2025 | 490.38 |
| Q3 2025 | 479.62 |
| Q2 2025 | 479.47 |
| Q1 2025 | 466.60 |
| Q4 2024 | 467.40 |
| Q3 2024 | 470.85 |
| Q2 2024 | 466.27 |
| Q1 2024 | 448.10 |
| Q4 2023 | 450.12 |
| Q3 2023 | 447.51 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 860?
- Based on FHFA HPI® data for 3-digit ZIP region 860, the regional index changed +2.8% over the year to Q2 2026, +47.5% over five years, +119% over ten years, and +393% since Q1 1995.
- Is ZIP3 860 appreciating faster than Arizona and the U.S.?
- Over the past year the region's index +2.8% compares with +0.9% for Arizona 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 +6.2 pts.
- Which ZIP codes are in 3-digit ZIP region 860?
- All ZIP codes that begin with 860. Census 2010 ZIP Code Tabulation Areas in this region run from 86001 to 86054 (35 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.