The United States against its own pre-2020 norm · September 2026
United States: neither side has the edge.
Listings run 9.1% below the pre-2020 norm for September; homes take about as long to sell as they did then; 20.8% of listings carry a price cut. Drag the timeline to see how the country got here.
Typical value, Aug$461K+21% over 5 years, average · U.S. median +24%
Days on market57 daysaverage · U.S. median ZIP 60 days
Listings with a price cut25%average · U.S. median ZIP 20%
All scored ZIPs, 26,291 ZIPs · September 2026. HavenScore: 50, average, weighted by population. Typical value, Aug: $461K, +21% over 5 years, average · U.S. median +24%. Days on market: 57 days, average · U.S. median ZIP 60 days. Listings with a price cut: 25%, average · U.S. median ZIP 20%.
States and hexagons average the ZIPs inside them, weighted by population; zoom in for single ZIPs. Purple: trailed the U.S. median change over 5Y. Green: beat it. Zillow home value index, August 2026; 25,028 ZIPs have a reading that far back.No reading
Scored ZIPs by state, September 2026. Price change, HavenScore and balance are population-weighted averages; price change is over the 5 years and the 12 months to August 2026 (Zillow).
National figures, September 2026, against the 2017–2019 norm for the month.
Active listings1.16M−9.1% vs norm
Days on market61 days−1 day vs norm
Listings with a price cut20.8%+1.7 pts vs norm
30-year fixed rate6.86%+0.51 pts in a yearFreddie Mac, monthly average
Each bar shows which way that signal leans: left toward buyers, right toward sellers. National figures: Realtor.com and Freddie Mac. “Norm” is the 2017–2019 average for the same month. Home values on the map: Zillow, August 2026. How the national balance is measured →
Values fell over the year in 3,590 of 13,129 larger ZIPs
Among scored ZIPs with 5,000 or more residents, the steepest drop was Pineville, KY at −25%; the strongest gain Childress, TX at +25%. Zillow home value index, 12 months.
Across cities with at least eight scored ZIPs, these five have the slowest sales, weighted by population. The U.S. median ZIP is 60 days. Realtor.com, September 2026.
The balance runs from −100, where buyers hold every card, to +100, where sellers do. State figures are the population-weighted average of their scored ZIPs, September 2026.
The product
Search any ZIP. Get the whole picture.
Every ZIP page starts free — no account needed to look.
The score, with context — how the ZIP compares with the rest of the country.
Price history back to 2000, with the ZIP's own peak, drawdown and ranked appreciation.
Your estimated monthly payment at today's rates and this ZIP's insurance, not just the list price.
Whether the market leans toward buyers or sellers right now, and how that has shifted month by month.
Paid plans add forecasts out to three years, the seasonal chart and reading, market-signal alerts, the cycle screener and reports.
26,291 U.S. ZIPs scored for affordability, growth, and risk — so buyers, sellers, and investors can see where they stand in seconds.
1
We crunch the data
Zillow prices, Census income, Freddie Mac rates, and inventory signals — all normalized into a single monthly snapshot.
2
You get a HavenScore
A 0–100 number that rolls affordability, growth, risk, and momentum into one figure — readable at a glance, sourced down to the input. The typical U.S. ZIP scores about 50, so scores in the 60s and 70s are rarer than they look.
3
Compare and decide
Side-by-side rankings across any state, metro, or budget. Find the ZIP where your dollar stretches furthest.