3-digit ZIP regional index
Home appreciation in ZIP codes 956xxVacaville, CA area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 956 changed -0.2% over the year to Q2 2026, compared with +0.9% for California and +3.0% for the United States.
The region covers ZIP codes 95601–95699. Most of its 2010 population lived in Sacramento County (43%), Placer County (18%), Yolo County (15%). Communities in the region include Citrus Heights, Folsom, Roseville, Davis, Elk Grove. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- -0.2%
- 5-year change
- +18.6%
- Since Q1 1995
- +289%
- National rank (1 year)
- 824th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 956 vs California and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 956: 389.4
- California: 488.5
- Sacramento-Roseville-Folsom, CA metro: 409.0
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 956 | CA | U.S. | Gap vs CA | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | -0.2% | +0.9% | +3.0% | −1.1 pts | −3.2 pts |
| 3 years | +4.5% | +7.7% | +12.9% | −3.2 pts | −8.4 pts |
| 5 years | +18.6% | +28.1% | +41.3% | −9.5 pts | −22.6 pts |
| 10 years | +69.4% | +76.2% | +93.3% | −6.7 pts | −23.9 pts |
| Since Q1 1995 | +289% | +388% | +292% | −99.1 pts | −2.2 pts |
If you bought in ZIP3 956 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 | +288% | $1,163,542 |
| Q2 2000 | +217% | $951,903 |
| Q2 2005 | +45.5% | $436,388 |
| Q2 2010 | +134% | $703,070 |
| Q2 2015 | +82.0% | $545,908 |
| Q2 2020 | +36.0% | $408,077 |
| Q2 2021 | +18.6% | $355,916 |
| Q2 2023 | +4.5% | $313,503 |
| Q2 2025 | -0.2% | $299,500 |
How ZIP3 956 ranks
Over the past year ZIP3 956 ranks 824th of 882 3-digit ZIP regions nationally and 46th of 57 in California. Its one-year change is −3.2 pts versus the nation and −1.1 pts versus California. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in California |
|---|---|---|
| 1 year | 824th of 882 | 46th of 57 |
| 3 years | 835th of 882 | 45th of 57 |
| 5 years | 868th of 882 | 51st of 57 |
| 10 years | 743rd of 882 | 42nd of 57 |
| Since Q1 1995 | 343rd of 879 | 48th of 57 |
Boom, bust, and recovery in ZIP3 956
ZIP3 956's index peaked in Q4 2005, fell 47.3% to its low in Q2 2012, and regained its peak in Q2 2020, about 14.5 years after the top. Today it sits +36.3% 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 956 | Q4 2005 | Q2 2012 | -47.3% | Q2 2020 (14.5 yrs) | +36.3% |
| CA | Q3 2006 | Q1 2012 | -41.0% | Q2 2019 (12.8 yrs) | +50.9% |
| Metro | Q4 2005 | Q2 2012 | -48.1% | Q2 2020 (14.5 yrs) | +39.3% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 956's index has changed +75.9% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 956 after inflation | CA after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -3.9% | -2.9% | -3.6% | -0.8% |
| 3 years | +9.8% | -4.8% | -1.9% | -4.9% | +2.8% |
| 5 years | +24.0% | -4.3% | +3.3% | -3.4% | +13.9% |
| 10 years | +39.1% | +21.8% | +26.7% | +25.5% | +39.0% |
| Since Q1 1995 | +121% | +75.9% | +121% | +84.7% | +76.8% |
Estimate appreciation for a home in ZIP3 956
Regional estimate
$508,303
- Estimated gain
- $208,303
- Index change
- +69.43%
- Start index
- 229.80
- End index
- 389.36
ZIP3 956 (Vacaville, 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 |
|---|---|---|---|---|
| 957 · Elk Grove, CA area | CA | -0.8% | +19.1% | +273% |
| 958 · Sacramento, CA area | CA | +1.4% | +20.9% | +341% |
| 952 · Stockton, CA area | CA | -1.8% | +20.5% | +277% |
| 959 · Chico, CA area | CA | +0.3% | +16.7% | +263% |
| 945 · Fremont, CA area | CA | +0.8% | +17.0% | +362% |
| 948 · Richmond, CA area | CA | +1.6% | +11.3% | +394% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 389.36 |
| Q1 2026 | 393.04 |
| Q4 2025 | 392.65 |
| Q3 2025 | 388.87 |
| Q2 2025 | 390.01 |
| Q1 2025 | 387.54 |
| Q4 2024 | 385.78 |
| Q3 2024 | 386.83 |
| Q2 2024 | 385.69 |
| Q1 2024 | 377.84 |
| Q4 2023 | 372.21 |
| Q3 2023 | 373.42 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 956?
- Based on FHFA HPI® data for 3-digit ZIP region 956, the regional index changed -0.2% over the year to Q2 2026, +18.6% over five years, +69.4% over ten years, and +289% since Q1 1995.
- Is ZIP3 956 appreciating faster than California and the U.S.?
- Over the past year the region's index -0.2% compares with +0.9% for California and +3.0% for the U.S., a gap of −3.2 pts versus the nation. Over five years the gap versus the nation is −22.6 pts.
- Which ZIP codes are in 3-digit ZIP region 956?
- All ZIP codes that begin with 956. Census 2010 ZIP Code Tabulation Areas in this region run from 95601 to 95699 (84 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.