3-digit ZIP regional index
Home appreciation in ZIP codes 991xxPullman, WA area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 991 changed +0.7% over the year to Q2 2026, compared with +1.1% for Washington and +3.0% for the United States.
The region covers ZIP codes 99101–99185. Most of its 2010 population lived in Whitman County (38%), Stevens County (29%), Pend Oreille County (11%). Communities in the region include Colville, Colfax, Chewelah, Newport, Davenport. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +0.7%
- 5-year change
- +37.3%
- Since Q1 1995
- +290%
- National rank (1 year)
- 782nd
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 991 vs Washington and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 991: 389.6
- Washington: 486.5
- Spokane-Spokane Valley, WA metro: 421.2
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 991 | WA | U.S. | Gap vs WA | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +0.7% | +1.1% | +3.0% | −0.4 pts | −2.3 pts |
| 3 years | +7.8% | +8.2% | +12.9% | −0.4 pts | −5.1 pts |
| 5 years | +37.3% | +29.7% | +41.3% | +7.6 pts | −4.0 pts |
| 10 years | +104% | +105% | +93.3% | −1.3 pts | +10.3 pts |
| Since Q1 1995 | +290% | +387% | +292% | −96.9 pts | −1.9 pts |
If you bought in ZIP3 991 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 | +279% | $1,136,279 |
| Q2 2000 | +246% | $1,039,475 |
| Q2 2005 | +162% | $784,806 |
| Q2 2010 | +117% | $651,955 |
| Q2 2015 | +115% | $645,332 |
| Q2 2020 | +58.8% | $476,456 |
| Q2 2021 | +37.3% | $411,973 |
| Q2 2023 | +7.8% | $323,389 |
| Q2 2025 | +0.7% | $302,093 |
How ZIP3 991 ranks
Over the past year ZIP3 991 ranks 782nd of 882 3-digit ZIP regions nationally and 9th of 14 in Washington. Its one-year change is −2.3 pts versus the nation and −0.4 pts versus Washington. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Washington |
|---|---|---|
| 1 year | 782nd of 882 | 9th of 14 |
| 3 years | 774th of 882 | 11th of 14 |
| 5 years | 670th of 882 | 2nd of 14 |
| 10 years | 270th of 882 | 12th of 14 |
| Since Q1 1995 | 342nd of 879 | 13th of 14 |
Boom, bust, and recovery in ZIP3 991
ZIP3 991's index peaked in Q4 2008, fell 13.3% to its low in Q1 2012, and regained its peak in Q4 2016, about 8 years after the top. Today it sits +101% 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 991 | Q4 2008 | Q1 2012 | -13.3% | Q4 2016 (8 yrs) | +101% |
| WA | Q4 2007 | Q2 2012 | -25.2% | Q2 2016 (8.5 yrs) | +106% |
| Metro | Q4 2007 | Q2 2012 | -19.6% | Q2 2017 (9.5 yrs) | +114% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 991's index has changed +76.0% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 991 after inflation | WA after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -3.0% | -2.7% | -3.8% | -0.8% |
| 3 years | +9.8% | -1.8% | -1.4% | -3.6% | +2.8% |
| 5 years | +24.0% | +10.7% | +4.6% | +4.1% | +13.9% |
| 10 years | +39.1% | +46.4% | +47.3% | +63.1% | +39.0% |
| Since Q1 1995 | +121% | +76.0% | +120% | +90.2% | +76.8% |
Estimate appreciation for a home in ZIP3 991
Regional estimate
$610,769
- Estimated gain
- $310,769
- Index change
- +104%
- Start index
- 191.38
- End index
- 389.63
ZIP3 991 (Pullman, WA 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 |
|---|---|---|---|---|
| 990 · Spokane Valley, WA area | WA | +1.0% | +28.8% | +310% |
| 992 · Spokane, WA area | WA | -0.1% | +28.5% | +327% |
| 838 · Coeur d'Alene, ID area | ID | +3.4% | +37.2% | +409% |
| 994 · Clarkston, WA area | WA | +4.7% | +40.3% | +323% |
| 988 · Wenatchee, WA area | WA | +0.7% | +36.0% | +322% |
| 993 · Kennewick, WA area | WA | +2.0% | +33.4% | +293% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 389.63 |
| Q1 2026 | 384.13 |
| Q4 2025 | 388.26 |
| Q3 2025 | 384.10 |
| Q2 2025 | 386.93 |
| Q1 2025 | 376.58 |
| Q4 2024 | 380.55 |
| Q3 2024 | 380.31 |
| Q2 2024 | 372.12 |
| Q1 2024 | 357.35 |
| Q4 2023 | 362.86 |
| Q3 2023 | 357.35 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 991?
- Based on FHFA HPI® data for 3-digit ZIP region 991, the regional index changed +0.7% over the year to Q2 2026, +37.3% over five years, +104% over ten years, and +290% since Q1 1995.
- Is ZIP3 991 appreciating faster than Washington and the U.S.?
- Over the past year the region's index +0.7% compares with +1.1% for Washington and +3.0% for the U.S., a gap of −2.3 pts versus the nation. Over five years the gap versus the nation is −4.0 pts.
- Which ZIP codes are in 3-digit ZIP region 991?
- All ZIP codes that begin with 991. Census 2010 ZIP Code Tabulation Areas in this region run from 99101 to 99185 (65 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.