3-digit ZIP regional index
Home appreciation in ZIP codes 959xxChico, CA area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 959 changed +0.3% over the year to Q2 2026, compared with +0.9% for California and +3.0% for the United States.
The region covers ZIP codes 95901–95993. Most of its 2010 population lived in Butte County (43%), Sutter County (18%), Nevada County (15%). Communities in the region include Yuba City, Paradise, Linda, Oroville, Olivehurst. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +0.3%
- 5-year change
- +16.7%
- Since Q1 1995
- +263%
- National rank (1 year)
- 806th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 959 vs California and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 959: 363.0
- California: 488.5
- Chico, CA metro: 364.5
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 959 | CA | U.S. | Gap vs CA | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +0.3% | +0.9% | +3.0% | −0.6 pts | −2.7 pts |
| 3 years | +5.2% | +7.7% | +12.9% | −2.5 pts | −7.7 pts |
| 5 years | +16.7% | +28.1% | +41.3% | −11.4 pts | −24.6 pts |
| 10 years | +73.2% | +76.2% | +93.3% | −2.9 pts | −20.1 pts |
| Since Q1 1995 | +263% | +388% | +292% | −125.5 pts | −28.6 pts |
If you bought in ZIP3 959 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 | +261% | $1,081,860 |
| Q2 2000 | +211% | $933,322 |
| Q2 2005 | +45.3% | $435,844 |
| Q2 2010 | +110% | $628,644 |
| Q2 2015 | +84.9% | $554,622 |
| Q2 2020 | +31.9% | $395,612 |
| Q2 2021 | +16.7% | $350,026 |
| Q2 2023 | +5.2% | $315,579 |
| Q2 2025 | +0.3% | $300,887 |
How ZIP3 959 ranks
Over the past year ZIP3 959 ranks 806th of 882 3-digit ZIP regions nationally and 43rd of 57 in California. Its one-year change is −2.7 pts versus the nation and −0.6 pts versus California. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in California |
|---|---|---|
| 1 year | 806th of 882 | 43rd of 57 |
| 3 years | 818th of 882 | 40th of 57 |
| 5 years | 872nd of 882 | 53rd of 57 |
| 10 years | 692nd of 882 | 38th of 57 |
| Since Q1 1995 | 433rd of 879 | 55th of 57 |
Boom, bust, and recovery in ZIP3 959
ZIP3 959's index peaked in Q1 2006, fell 44.5% to its low in Q2 2012, and regained its peak in Q2 2020, about 14.2 years after the top. Today it sits +32.6% 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 959 | Q1 2006 | Q2 2012 | -44.5% | Q2 2020 (14.2 yrs) | +32.6% |
| CA | Q3 2006 | Q1 2012 | -41.0% | Q2 2019 (12.8 yrs) | +50.9% |
| Metro | Q2 2006 | Q2 2012 | -38.9% | Q1 2019 (12.8 yrs) | +34.6% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 959's index has changed +64.0% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 959 after inflation | CA after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -3.4% | -2.9% | -5.7% | -0.8% |
| 3 years | +9.8% | -4.2% | -1.9% | -6.3% | +2.8% |
| 5 years | +24.0% | -5.9% | +3.3% | -8.8% | +13.9% |
| 10 years | +39.1% | +24.6% | +26.7% | +21.4% | +39.0% |
| Since Q1 1995 | +121% | +64.0% | +121% | +64.6% | +76.8% |
Estimate appreciation for a home in ZIP3 959
Regional estimate
$519,735
- Estimated gain
- $219,735
- Index change
- +73.24%
- Start index
- 209.53
- End index
- 363.00
ZIP3 959 (Chico, 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% |
| 956 · Vacaville, CA area | CA | -0.2% | +18.6% | +289% |
| 958 · Sacramento, CA area | CA | +1.4% | +20.9% | +341% |
| 961 · South Lake Tahoe, CA area | CA | +0.7% | +21.7% | +367% |
| 954 · Santa Rosa, CA area | CA | +0.9% | +16.4% | +307% |
| 960 · Redding, CA area | CA | +1.7% | +21.0% | +239% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 363.00 |
| Q1 2026 | 364.33 |
| Q4 2025 | 361.27 |
| Q3 2025 | 358.61 |
| Q2 2025 | 361.93 |
| Q1 2025 | 356.94 |
| Q4 2024 | 361.01 |
| Q3 2024 | 356.65 |
| Q2 2024 | 354.54 |
| Q1 2024 | 346.65 |
| Q4 2023 | 345.00 |
| Q3 2023 | 349.82 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 959?
- Based on FHFA HPI® data for 3-digit ZIP region 959, the regional index changed +0.3% over the year to Q2 2026, +16.7% over five years, +73.2% over ten years, and +263% since Q1 1995.
- Is ZIP3 959 appreciating faster than California and the U.S.?
- Over the past year the region's index +0.3% compares with +0.9% for California and +3.0% for the U.S., a gap of −2.7 pts versus the nation. Over five years the gap versus the nation is −24.6 pts.
- Which ZIP codes are in 3-digit ZIP region 959?
- All ZIP codes that begin with 959. Census 2010 ZIP Code Tabulation Areas in this region run from 95901 to 95993 (66 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.