US home prices have risen 60.5% since Q1 2020, and 42% of metro areas have trailed that rate. The explorer above opens on Washington against New York. Search any state, metro area, county or ZIP code to see how your market compares, with the 30-year mortgage rate underneath.
From 2019 to 2025, DC and every New York borough trailed the country, and Washington, DC trailed furthest, 45.5 points behind. The gap is the measure this page uses: a place's cumulative price change since just before the pandemic, minus the country's. Choose any state, metro area, county or ZIP code in the explorer at the top of the page and the chart draws the same comparison.
The panel under the chart tracks the average 30-year mortgage rate. It was 3.5% in Q1 2020, fell to 2.8% in Q4 2020, reached 7.3% in Q4 2023 and averaged 6.4% in Q2 2026. For a city against its local rival with the same rate panel, from Boston and Washington to Dallas and Houston, see the city vs city pages.
Key takeaways
- From 2019 to 2025, DC and every New York borough trailed the US, and Washington, DC trailed furthest at 45.5 points behind.
- 22 of the 50 states and DC have risen more slowly than the US since Q1 2020, and DC is furthest behind at 46.8 points.
- 42% of metro areas and 54% of counties trail the national path.
- Every ZIP code in DC trails the US, and the fastest sits 18.8 points ahead of the slowest.
DC and New York side by side
FHFA splits both large metros into smaller metro divisions, and the fair comparison is the division that holds each city: New York-Jersey City-White Plains, and Washington with its Maryland suburbs. Measured on the same quarters, New York has nearly kept up with the US (−3.6 points) and Washington trails the US by 30.5 points.
| New York-Jersey City-White Plains, NY-NJ | +56.9% | −3.6 |
|---|---|---|
| Washington, DC-MD | +30.0% | −30.5 |
From 2019 to 2025, while the US rose 60.4%, Washington, DC trailed furthest at 45.5 points behind, and the Bronx came closest among the boroughs at 22.7 points behind. Washington, DC sits at 45.5 points behind.
| Washington, DC | +14.9% | −45.5 |
|---|---|---|
| Brooklyn | +22.1% | −38.3 |
| Queens | +29.4% | −31.0 |
| Staten Island | +30.1% | −30.3 |
| The Bronx | +37.7% | −22.7 |
Every state against the US
From Q1 2020 to Q2 2026, 22 of the 50 states and DC rose more slowly than the country. DC is last, Louisiana follows at 31.0 points behind, and Maine gained the most, 23.8 points ahead of the US. Open the full table to sort it by any column.
Show all 50 states and DCHide table
| District of Columbia | +13.7% | −46.8 |
|---|---|---|
| Louisiana | +29.5% | −31.0 |
| North Dakota | +43.0% | −17.5 |
| Colorado | +44.3% | −16.2 |
| Oregon | +44.4% | −16.1 |
| California | +45.7% | −14.8 |
| Minnesota | +47.1% | −13.4 |
| Maryland | +47.2% | −13.3 |
| Alaska | +48.4% | −12.1 |
| Iowa | +50.1% | −10.4 |
| Mississippi | +51.8% | −8.7 |
| Texas | +52.3% | −8.2 |
| Washington | +53.2% | −7.3 |
| Hawaii | +53.6% | −6.9 |
| Oklahoma | +55.4% | −5.1 |
| Wyoming | +55.9% | −4.6 |
| West Virginia | +56.3% | −4.2 |
| Nevada | +56.9% | −3.6 |
| Nebraska | +58.5% | −2.0 |
| South Dakota | +59.3% | −1.2 |
| Illinois | +59.9% | −0.6 |
| Massachusetts | +60.2% | −0.3 |
| New Mexico | +61.1% | +0.6 |
| Virginia | +61.2% | +0.7 |
| Delaware | +61.4% | +0.9 |
| Kansas | +61.5% | +1.0 |
| Pennsylvania | +61.7% | +1.2 |
| Alabama | +62.1% | +1.6 |
| Arkansas | +63.0% | +2.5 |
| Kentucky | +63.0% | +2.5 |
| Missouri | +63.4% | +2.9 |
| Michigan | +65.5% | +5.0 |
| Utah | +65.5% | +5.0 |
| Arizona | +65.8% | +5.3 |
| New York | +66.4% | +5.9 |
| Indiana | +67.6% | +7.1 |
| Ohio | +67.8% | +7.3 |
| Georgia | +69.1% | +8.6 |
| Florida | +70.0% | +9.5 |
| Wisconsin | +72.4% | +11.9 |
| North Carolina | +73.2% | +12.7 |
| Tennessee | +73.4% | +12.9 |
| Idaho | +73.5% | +13.0 |
| Montana | +75.0% | +14.5 |
| South Carolina | +75.2% | +14.7 |
| New Jersey | +78.2% | +17.7 |
| Vermont | +78.4% | +17.9 |
| Connecticut | +78.8% | +18.3 |
| Rhode Island | +80.6% | +20.1 |
| New Hampshire | +80.7% | +20.2 |
| Maine | +84.3% | +23.8 |
Q1 2020 to Q2 2026. The US rose 60.5% over the same quarters.
Metro areas
42% of metro areas trail the US over the same quarters, and the median metro area sits 2.9 points ahead of the country. San Francisco-San Mateo-Redwood City, CA is furthest behind at 44.2 points, with Oakland-Fremont-Berkeley, CA next. Atlantic City-Hammonton, NJ leads the other end, 39.3 points ahead of the US.
Show the 10 slowest metro areasHide table
| San Francisco-San Mateo-Redwood City, CA | +16.3% | −44.2 |
|---|---|---|
| Oakland-Fremont-Berkeley, CA | +21.4% | −39.1 |
| Lake Charles, LA | +22.2% | −38.3 |
| Houma-Bayou Cane-Thibodaux, LA | +22.4% | −38.1 |
| Odessa, TX | +23.6% | −36.9 |
| New Orleans-Metairie, LA | +24.9% | −35.6 |
| Chico, CA | +26.8% | −33.7 |
| Santa Rosa-Petaluma, CA | +27.7% | −32.8 |
| Napa, CA | +29.9% | −30.6 |
| Washington, DC-MD | +30.0% | −30.5 |
The ten metro areas furthest behind the US.
Show the 10 fastest metro areasHide table
| Atlantic City-Hammonton, NJ | +99.8% | +39.3 |
|---|---|---|
| Hinesville, GA | +93.8% | +33.3 |
| Knoxville, TN | +93.3% | +32.8 |
| Miami-Miami Beach-Kendall, FL | +90.8% | +30.3 |
| Lewiston-Auburn, ME | +90.1% | +29.6 |
| Camden, NJ | +88.8% | +28.3 |
| Hilton Head Island-Bluffton-Port Royal, SC | +88.5% | +28.0 |
| Vineland, NJ | +87.7% | +27.2 |
| Homosassa Springs, FL | +86.9% | +26.4 |
| Muncie, IN | +86.6% | +26.1 |
The ten metro areas furthest ahead of the US.
For the longer view of any metro area, with twenty years of history and its appreciation against its state, see the home appreciation by metro pages.
Counties
County indexes are annual, so the comparison runs from 2019 to 2025, against a US rise of 60.4% over those years. 54% of counties with a full index trail the country. Lincoln County, WV is furthest behind: its prices rose 2.7% while the country's rose 60.4%, a gap of 57.7 points. San Francisco County, CA is next.
Show the 10 slowest countiesHide table
| Lincoln County, WV | +2.7% | −57.7 |
|---|---|---|
| San Francisco County, CA | +6.2% | −54.2 |
| Morehouse County, LA | +6.5% | −53.9 |
| Grant County, LA | +10.7% | −49.7 |
| Calcasieu County, LA | +12.5% | −47.9 |
| Walworth County, SD | +12.7% | −47.7 |
| Orleans County, LA | +13.4% | −47.0 |
| Ochiltree County, TX | +14.1% | −46.3 |
| Plaquemines County, LA | +14.5% | −45.9 |
| District of Columbia | +14.9% | −45.5 |
2019 to 2025, annual county index.
Show the 10 fastest countiesHide table
| Macon County, GA | +149.8% | +89.4 |
|---|---|---|
| Harrison County, MO | +149.2% | +88.8 |
| Adams County, ID | +145.8% | +85.4 |
| Essex County, VT | +124.6% | +64.2 |
| Saint Clair County, MO | +123.5% | +63.1 |
| Deer Lodge County, MT | +111.8% | +51.4 |
| Clay County, AL | +104.4% | +44.0 |
| Shoshone County, ID | +103.8% | +43.4 |
| Power County, ID | +103.0% | +42.6 |
| Hamilton County, TX | +101.8% | +41.4 |
2019 to 2025, annual county index.
Our county appreciation rankings carry one, five and ten year appreciation for every county with enough history.
ZIP codes
55% of ZIP codes with a full index trail the US since 2019. A tenth of them sit 22.5 points behind the country or further, and a tenth sit 19.5 points ahead of it or further. Type any five-digit ZIP code into the explorer above to see its line.
DC shows how much a city average hides. All 15 of its ZIP codes with a full index trail the country, yet ZIP 20002 is 51.4 points behind while ZIP 20012 is 32.6 points behind, a range of 18.8 points inside one city over the same years.
Below the ZIP code
A ZIP code index still averages every home in it, while Good Investment scores work at the level of the house. Each home gets its own score out of 10, ranked against comparable homes in its own local market, and where enough homes trade we map growth at neighborhood level, below the ZIP code, so you can see the home against the blocks around it.
The ZIP code index describes how the area moved, and the score places one address inside it. For more on why two homes in one ZIP code can follow different paths, read why two homes in the same ZIP code appreciate differently.
How the numbers are built
Every figure comes from the Federal Housing Finance Agency's all-transactions house price index, which tracks repeat sales and refinance appraisals on the same homes through mortgages bought or guaranteed by Fannie Mae and Freddie Mac. Because it follows the same homes, the index measures price change on a steady basket, where a price-per-square-foot average moves with the mix of homes that sold that month. That difference is why other sources can put DC's gap a few points higher or lower. DC's index stood at 912.86 in Q1 2020, the quarter that held 1 March 2020, and at 1037.72 in Q2 2026.
States and metro areas are quarterly and start at Q1 2020. Counties and ZIP codes are annual, start at 2019, and are compared with the annual US index, the average of its four quarters. FHFA marks its county and ZIP code indexes as developmental. Figures are nominal, and a place appears only when its index is present for every period from the start to the latest release. The gap is the place's cumulative percentage change minus the country's, in percentage points. The mortgage rate under the chart is Freddie Mac's Primary Mortgage Market Survey average for a 30-year fixed-rate loan, a weekly series averaged over each quarter, and over each year for counties and ZIP codes. Data as of September 28, 2026.