3-digit ZIP regional index
Home appreciation in ZIP codes 921xxSan Diego, CA area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 921 changed +1.0% over the year to Q2 2026, compared with +0.9% for California and +3.0% for the United States.
The region covers ZIP codes 92101–92173. Most of its 2010 population lived in San Diego County (100%). Communities in the region include Coronado, Imperial Beach, National City, Fairbanks Ranch, La Presa. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +1.0%
- 5-year change
- +41.9%
- Since Q1 1995
- +533%
- National rank (1 year)
- 759th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 921 vs California and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 921: 632.6
- California: 488.5
- San Diego-Chula Vista-Carlsbad, CA metro: 578.8
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 921 | CA | U.S. | Gap vs CA | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +1.0% | +0.9% | +3.0% | +0.1 pts | −2.0 pts |
| 3 years | +12.2% | +7.7% | +12.9% | +4.5 pts | −0.7 pts |
| 5 years | +41.9% | +28.1% | +41.3% | +13.8 pts | +0.6 pts |
| 10 years | +97.9% | +76.2% | +93.3% | +21.7 pts | +4.6 pts |
| Since Q1 1995 | +533% | +388% | +292% | +144.1 pts | +241.0 pts |
If you bought in ZIP3 921 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 | +532% | $1,897,111 |
| Q2 2000 | +336% | $1,309,106 |
| Q2 2005 | +97.8% | $593,396 |
| Q2 2010 | +160% | $778,695 |
| Q2 2015 | +112% | $634,697 |
| Q2 2020 | +60.2% | $480,498 |
| Q2 2021 | +41.9% | $425,708 |
| Q2 2023 | +12.2% | $336,462 |
| Q2 2025 | +1.0% | $303,023 |
How ZIP3 921 ranks
Over the past year ZIP3 921 ranks 759th of 882 3-digit ZIP regions nationally and 30th of 57 in California. Its one-year change is −2.0 pts versus the nation and +0.1 pts versus California. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in California |
|---|---|---|
| 1 year | 759th of 882 | 30th of 57 |
| 3 years | 632nd of 882 | 11th of 57 |
| 5 years | 532nd of 882 | 4th of 57 |
| 10 years | 346th of 882 | 8th of 57 |
| Since Q1 1995 | 7th of 879 | 6th of 57 |
Boom, bust, and recovery in ZIP3 921
ZIP3 921's index peaked in Q4 2005, fell 30.7% to its low in Q2 2011, and regained its peak in Q1 2017, about 11.2 years after the top. Today it sits +89.3% 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 921 | Q4 2005 | Q2 2011 | -30.7% | Q1 2017 (11.2 yrs) | +89.3% |
| CA | Q3 2006 | Q1 2012 | -41.0% | Q2 2019 (12.8 yrs) | +50.9% |
| Metro | Q1 2006 | Q2 2011 | -35.0% | Q4 2017 (11.8 yrs) | +78.2% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 921's index has changed +186% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 921 after inflation | CA after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -2.8% | -2.9% | -1.3% | -0.8% |
| 3 years | +9.8% | +2.1% | -1.9% | +2.2% | +2.8% |
| 5 years | +24.0% | +14.4% | +3.3% | +13.6% | +13.9% |
| 10 years | +39.1% | +42.3% | +26.7% | +41.0% | +39.0% |
| Since Q1 1995 | +121% | +186% | +121% | +161% | +76.8% |
Estimate appreciation for a home in ZIP3 921
Regional estimate
$593,711
- Estimated gain
- $293,711
- Index change
- +97.90%
- Start index
- 319.63
- End index
- 632.56
ZIP3 921 (San Diego, CA 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 |
|---|---|---|---|---|
| 919 · Chula Vista, CA area | CA | +4.7% | +39.8% | +429% |
| 920 · Oceanside, CA area | CA | +2.5% | +40.7% | +457% |
| 925 · Riverside, CA area | CA | +0.8% | +35.7% | +402% |
| 926 · Irvine, CA area | CA | +0.6% | +43.2% | +480% |
| 927 · Santa Ana, CA area | CA | +5.3% | +53.0% | +521% |
| 922 · Indio, CA area | CA | -0.5% | +37.1% | +383% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 632.56 |
| Q1 2026 | 622.54 |
| Q4 2025 | 626.21 |
| Q3 2025 | 622.04 |
| Q2 2025 | 626.25 |
| Q1 2025 | 615.50 |
| Q4 2024 | 617.15 |
| Q3 2024 | 606.61 |
| Q2 2024 | 612.54 |
| Q1 2024 | 596.51 |
| Q4 2023 | 578.73 |
| Q3 2023 | 570.62 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 921?
- Based on FHFA HPI® data for 3-digit ZIP region 921, the regional index changed +1.0% over the year to Q2 2026, +41.9% over five years, +97.9% over ten years, and +533% since Q1 1995.
- Is ZIP3 921 appreciating faster than California and the U.S.?
- Over the past year the region's index +1.0% compares with +0.9% for California and +3.0% for the U.S., a gap of −2.0 pts versus the nation. Over five years the gap versus the nation is +0.6 pts.
- Which ZIP codes are in 3-digit ZIP region 921?
- All ZIP codes that begin with 921. Census 2010 ZIP Code Tabulation Areas in this region run from 92101 to 92173 (39 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.