3-digit ZIP regional index
Home appreciation in ZIP codes 995xxAnchorage, AK area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 995 changed +6.2% over the year to Q2 2026, compared with +3.9% for Alaska and +3.0% for the United States.
The region covers ZIP codes 99501–99591. Most of its 2010 population lived in Anchorage Municipality (91%). Communities in the region include Bethel, Dillingham, Cordova, Anchor Point, Prudhoe Bay. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +6.2%
- 5-year change
- +35.9%
- Since Q1 1995
- +243%
- National rank (1 year)
- 120th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 995 vs Alaska and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 995: 342.6
- Alaska: 339.5
- Anchorage, AK metro: 350.3
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 995 | AK | U.S. | Gap vs AK | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +6.2% | +3.9% | +3.0% | +2.3 pts | +3.2 pts |
| 3 years | +17.1% | +14.2% | +12.9% | +3.0 pts | +4.2 pts |
| 5 years | +35.9% | +37.0% | +41.3% | −1.1 pts | −5.4 pts |
| 10 years | +50.3% | +58.0% | +93.3% | −7.8 pts | −43.1 pts |
| Since Q1 1995 | +243% | +239% | +292% | +3.1 pts | −49.0 pts |
If you bought in ZIP3 995 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 | +237% | $1,011,087 |
| Q2 2000 | +187% | $861,067 |
| Q2 2005 | +95.6% | $586,861 |
| Q2 2010 | +70.1% | $510,414 |
| Q2 2015 | +54.2% | $462,668 |
| Q2 2020 | +44.5% | $433,402 |
| Q2 2021 | +35.9% | $407,748 |
| Q2 2023 | +17.1% | $351,314 |
| Q2 2025 | +6.2% | $318,728 |
How ZIP3 995 ranks
Over the past year ZIP3 995 ranks 120th of 882 3-digit ZIP regions nationally and 1st of 5 in Alaska. Its one-year change is +3.2 pts versus the nation and +2.3 pts versus Alaska. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Alaska |
|---|---|---|
| 1 year | 120th of 882 | 1st of 5 |
| 3 years | 348th of 882 | 1st of 5 |
| 5 years | 702nd of 882 | 4th of 5 |
| 10 years | 852nd of 882 | 5th of 5 |
| Since Q1 1995 | 551st of 879 | 2nd of 5 |
Boom, bust, and recovery in ZIP3 995
ZIP3 995's index peaked in Q2 2007, fell 2.4% to its low in Q2 2012, and regained its peak in Q1 2013, about 5.8 years after the top. Today it sits +66.5% 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 995 | Q2 2007 | Q2 2012 | -2.4% | Q1 2013 (5.8 yrs) | +66.5% |
| AK | Q2 2007 | Q1 2010 | -2.7% | Q4 2012 (5.5 yrs) | +73.8% |
| Metro | Q2 2007 | Q2 2012 | -2.5% | Q1 2013 (5.8 yrs) | +71.6% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 995's index has changed +54.7% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 995 after inflation | AK after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +2.3% | +0.0% | +0.6% | -0.8% |
| 3 years | +9.8% | +6.7% | +4.0% | +5.6% | +2.8% |
| 5 years | +24.0% | +9.6% | +10.5% | +11.3% | +13.9% |
| 10 years | +39.1% | +8.0% | +13.6% | +12.4% | +39.0% |
| Since Q1 1995 | +121% | +54.7% | +53.3% | +58.2% | +76.8% |
Estimate appreciation for a home in ZIP3 995
Regional estimate
$450,776
- Estimated gain
- $150,776
- Index change
- +50.26%
- Start index
- 228.00
- End index
- 342.59
ZIP3 995 (Anchorage, AK 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 |
|---|---|---|---|---|
| 996 · Wasilla, AK area | AK | +0.1% | +40.3% | +247% |
| 997 · Fairbanks, AK area | AK | +2.8% | +32.5% | +195% |
| 998 · Juneau, AK area | AK | +0.6% | +38.0% | +240% |
| 999 · Ketchikan, AK area | AK | +0.6% | +38.0% | +240% |
| 982 · Everett, WA area | WA | +0.8% | +33.6% | +377% |
| 981 · Seattle, WA area | WA | +0.3% | +20.2% | +493% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 342.59 |
| Q1 2026 | 333.28 |
| Q4 2025 | 324.68 |
| Q3 2025 | 325.60 |
| Q2 2025 | 322.46 |
| Q1 2025 | 308.67 |
| Q4 2024 | 304.71 |
| Q3 2024 | 313.49 |
| Q2 2024 | 308.51 |
| Q1 2024 | 296.89 |
| Q4 2023 | 289.98 |
| Q3 2023 | 293.44 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 995?
- Based on FHFA HPI® data for 3-digit ZIP region 995, the regional index changed +6.2% over the year to Q2 2026, +35.9% over five years, +50.3% over ten years, and +243% since Q1 1995.
- Is ZIP3 995 appreciating faster than Alaska and the U.S.?
- Over the past year the region's index +6.2% compares with +3.9% for Alaska 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 −5.4 pts.
- Which ZIP codes are in 3-digit ZIP region 995?
- All ZIP codes that begin with 995. Census 2010 ZIP Code Tabulation Areas in this region run from 99501 to 99591 (57 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.