3-digit ZIP regional index
Home appreciation in ZIP codes 952xxStockton, CA area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 952 changed -1.8% over the year to Q2 2026, compared with +0.9% for California and +3.0% for the United States.
The region covers ZIP codes 95202–95258. Most of its 2010 population lived in San Joaquin County (91%), Calaveras County (9%). Communities in the region include Lodi, Garden Acres, Country Club, August, Rancho Calaveras. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- -1.8%
- 5-year change
- +20.5%
- Since Q1 1995
- +277%
- National rank (1 year)
- 870th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 952 vs California and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 952: 377.2
- California: 488.5
- Stockton-Lodi, CA metro: 377.6
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 952 | CA | U.S. | Gap vs CA | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | -1.8% | +0.9% | +3.0% | −2.7 pts | −4.8 pts |
| 3 years | +4.5% | +7.7% | +12.9% | −3.1 pts | −8.3 pts |
| 5 years | +20.5% | +28.1% | +41.3% | −7.6 pts | −20.8 pts |
| 10 years | +86.6% | +76.2% | +93.3% | +10.5 pts | −6.7 pts |
| Since Q1 1995 | +277% | +388% | +292% | −111.3 pts | −14.3 pts |
If you bought in ZIP3 952 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 | +275% | $1,124,270 |
| Q2 2000 | +221% | $962,649 |
| Q2 2005 | +37.7% | $413,116 |
| Q2 2010 | +169% | $807,082 |
| Q2 2015 | +106% | $617,398 |
| Q2 2020 | +40.8% | $422,320 |
| Q2 2021 | +20.5% | $361,481 |
| Q2 2023 | +4.5% | $313,583 |
| Q2 2025 | -1.8% | $294,619 |
How ZIP3 952 ranks
Over the past year ZIP3 952 ranks 870th of 882 3-digit ZIP regions nationally and 54th of 57 in California. Its one-year change is −4.8 pts versus the nation and −2.7 pts versus California. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in California |
|---|---|---|
| 1 year | 870th of 882 | 54th of 57 |
| 3 years | 834th of 882 | 44th of 57 |
| 5 years | 861st of 882 | 47th of 57 |
| 10 years | 511th of 882 | 16th of 57 |
| Since Q1 1995 | 382nd of 879 | 52nd of 57 |
Boom, bust, and recovery in ZIP3 952
ZIP3 952's index peaked in Q1 2006, fell 59.9% to its low in Q1 2012, and regained its peak in Q2 2021, about 15.2 years after the top. Today it sits +22.7% 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 952 | Q1 2006 | Q1 2012 | -59.9% | Q2 2021 (15.2 yrs) | +22.7% |
| CA | Q3 2006 | Q1 2012 | -41.0% | Q2 2019 (12.8 yrs) | +50.9% |
| Metro | Q1 2006 | Q1 2012 | -60.1% | Q2 2021 (15.2 yrs) | +22.9% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 952's index has changed +70.4% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 952 after inflation | CA after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -5.5% | -2.9% | -5.4% | -0.8% |
| 3 years | +9.8% | -4.8% | -1.9% | -5.5% | +2.8% |
| 5 years | +24.0% | -2.9% | +3.3% | -4.7% | +13.9% |
| 10 years | +39.1% | +34.2% | +26.7% | +29.2% | +39.0% |
| Since Q1 1995 | +121% | +70.4% | +121% | +70.5% | +76.8% |
Estimate appreciation for a home in ZIP3 952
Regional estimate
$559,882
- Estimated gain
- $259,882
- Index change
- +86.63%
- Start index
- 202.13
- End index
- 377.23
ZIP3 952 (Stockton, 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 |
|---|---|---|---|---|
| 953 · Modesto, CA area | CA | +0.9% | +21.9% | +284% |
| 958 · Sacramento, CA area | CA | +1.4% | +20.9% | +341% |
| 956 · Vacaville, CA area | CA | -0.2% | +18.6% | +289% |
| 957 · Elk Grove, CA area | CA | -0.8% | +19.1% | +273% |
| 945 · Fremont, CA area | CA | +0.8% | +17.0% | +362% |
| 946 · Oakland, CA area | CA | +2.6% | +1.4% | +420% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 377.23 |
| Q1 2026 | 384.53 |
| Q4 2025 | 378.85 |
| Q3 2025 | 377.36 |
| Q2 2025 | 384.12 |
| Q1 2025 | 377.87 |
| Q4 2024 | 377.47 |
| Q3 2024 | 377.05 |
| Q2 2024 | 374.74 |
| Q1 2024 | 368.45 |
| Q4 2023 | 362.61 |
| Q3 2023 | 365.85 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 952?
- Based on FHFA HPI® data for 3-digit ZIP region 952, the regional index changed -1.8% over the year to Q2 2026, +20.5% over five years, +86.6% over ten years, and +277% since Q1 1995.
- Is ZIP3 952 appreciating faster than California and the U.S.?
- Over the past year the region's index -1.8% compares with +0.9% for California and +3.0% for the U.S., a gap of −4.8 pts versus the nation. Over five years the gap versus the nation is −20.8 pts.
- Which ZIP codes are in 3-digit ZIP region 952?
- All ZIP codes that begin with 952. Census 2010 ZIP Code Tabulation Areas in this region run from 95202 to 95258 (41 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.