3-digit ZIP regional index
Home appreciation in ZIP codes 955xxEureka, CA area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 955 changed -0.6% over the year to Q2 2026, compared with +0.9% for California and +3.0% for the United States.
The region covers ZIP codes 95501–95595. Most of its 2010 population lived in Humboldt County (81%), Del Norte County (17%). Communities in the region include Arcata, McKinleyville, Fortuna, Crescent City, Myrtletown. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- -0.6%
- 5-year change
- +23.1%
- Since Q1 1995
- +281%
- National rank (1 year)
- 843rd
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 955 vs California and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 955: 380.8
- California: 488.5
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 955 | CA | U.S. | Gap vs CA | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | -0.6% | +0.9% | +3.0% | −1.5 pts | −3.6 pts |
| 3 years | +0.1% | +7.7% | +12.9% | −7.6 pts | −12.8 pts |
| 5 years | +23.1% | +28.1% | +41.3% | −5.0 pts | −18.2 pts |
| 10 years | +68.7% | +76.2% | +93.3% | −7.4 pts | −24.6 pts |
| Since Q1 1995 | +281% | +388% | +292% | −107.7 pts | −10.8 pts |
If you bought in ZIP3 955 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 | +280% | $1,140,653 |
| Q2 2000 | +235% | $1,005,502 |
| Q2 2005 | +53.4% | $460,214 |
| Q2 2010 | +76.2% | $528,501 |
| Q2 2015 | +80.4% | $541,069 |
| Q2 2020 | +37.9% | $413,844 |
| Q2 2021 | +23.1% | $369,397 |
| Q2 2023 | +0.1% | $300,229 |
| Q2 2025 | -0.6% | $298,230 |
How ZIP3 955 ranks
Over the past year ZIP3 955 ranks 843rd of 882 3-digit ZIP regions nationally and 49th of 57 in California. Its one-year change is −3.6 pts versus the nation and −1.5 pts versus California. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in California |
|---|---|---|
| 1 year | 843rd of 882 | 49th of 57 |
| 3 years | 874th of 882 | 54th of 57 |
| 5 years | 843rd of 882 | 39th of 57 |
| 10 years | 746th of 882 | 43rd of 57 |
| Since Q1 1995 | 372nd of 879 | 50th of 57 |
Boom, bust, and recovery in ZIP3 955
ZIP3 955's index peaked in Q1 2006, fell 30.6% to its low in Q2 2012, and regained its peak in Q2 2020, about 14.2 years after the top. Today it sits +38.4% 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 955 | Q1 2006 | Q2 2012 | -30.6% | Q2 2020 (14.2 yrs) | +38.4% |
| CA | Q3 2006 | Q1 2012 | -41.0% | Q2 2019 (12.8 yrs) | +50.9% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 955's index has changed +72.0% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 955 after inflation | CA after inflation | U.S. after inflation |
|---|---|---|---|---|
| 1 year | +3.9% | -4.3% | -2.9% | -0.8% |
| 3 years | +9.8% | -8.9% | -1.9% | +2.8% |
| 5 years | +24.0% | -0.7% | +3.3% | +13.9% |
| 10 years | +39.1% | +21.3% | +26.7% | +39.0% |
| Since Q1 1995 | +121% | +72.0% | +121% | +76.8% |
Estimate appreciation for a home in ZIP3 955
Regional estimate
$506,227
- Estimated gain
- $206,227
- Index change
- +68.74%
- Start index
- 225.64
- End index
- 380.75
ZIP3 955 (Eureka, 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 |
|---|---|---|---|---|
| 960 · Redding, CA area | CA | +1.7% | +21.0% | +239% |
| 975 · Medford, OR area | OR | +1.5% | +20.4% | +302% |
| 976 · Klamath Falls, OR area | OR | +3.0% | +35.6% | +328% |
| 959 · Chico, CA area | CA | +0.3% | +16.7% | +263% |
| 954 · Santa Rosa, CA area | CA | +0.9% | +16.4% | +307% |
| 974 · Eugene, OR area | OR | +3.6% | +28.9% | +316% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 380.75 |
| Q1 2026 | 387.51 |
| Q4 2025 | 382.59 |
| Q3 2025 | 385.23 |
| Q2 2025 | 383.01 |
| Q1 2025 | 378.26 |
| Q4 2024 | 384.84 |
| Q3 2024 | 389.45 |
| Q2 2024 | 386.70 |
| Q1 2024 | 373.68 |
| Q4 2023 | 369.69 |
| Q3 2023 | 380.90 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 955?
- Based on FHFA HPI® data for 3-digit ZIP region 955, the regional index changed -0.6% over the year to Q2 2026, +23.1% over five years, +68.7% over ten years, and +281% since Q1 1995.
- Is ZIP3 955 appreciating faster than California and the U.S.?
- Over the past year the region's index -0.6% compares with +0.9% for California and +3.0% for the U.S., a gap of −3.6 pts versus the nation. Over five years the gap versus the nation is −18.2 pts.
- Which ZIP codes are in 3-digit ZIP region 955?
- All ZIP codes that begin with 955. Census 2010 ZIP Code Tabulation Areas in this region run from 95501 to 95595 (46 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.