Leaderboards / Overvalued & undervalued Valuation extremes · October 2026 data Updated OCT 1, 2026
Most overvalued — and undervalued — ZIP markets Overvaluation here compares a ZIP’s home prices (Zillow ZHVI) with local household incomes (Census), then reads how far that relationship sits above or below the ZIP’s own history. A positive reading means prices are further above what local incomes have historically supported; a negative reading means further below. It is a pressure reading against each ZIP’s own baseline — not a forecast that prices will fall or rise. Ranked monthly across 13,128 ZIPs.
01
Most overvalued Prices furthest above the ZIP's own history
# ZIP Score Overvaluation Median value 01 19602 Reading, PA 51
+188.72% $147K 02 12307 Schenectady, NY 40
+170.14% $189K 03 19601 Reading, PA 48
+166.08% $187K 04 53233 Milwaukee, WI 37
+155.14% $192K 05 14212 Buffalo, NY 45
+155.11% $159K 06 46803 Fort Wayne, IN 59
+154.61% $114K 07 64132 Kansas City, MO 64
+154.37% $115K 08 45403 Dayton, OH 59
+153.51% $105K 09 14210 Buffalo, NY 53
+152.52% $179K 10 44405 Campbell, OH 56
+151.38% $113K 11 64126 Kansas City, MO 62
+150.93% $98K 12 66104 Kansas City, KS 59
+150.41% $172K 13 14211 Buffalo, NY 56
+150.35% $124K 14 33127 Miami, FL 43
+150.19% $529K 15 33054 Opa-locka, FL 40
+149.01% $431K 16 34956 Indiantown, FL 35
+148.21% $319K 17 66101 Kansas City, KS 56
+148.15% $130K 18 53206 Milwaukee, WI 57
+146.09% $91K 19 33147 West Little River, FL 41
+146.03% $444K 20 48141 Inkster, MI 56
+145.95% $108K 21 12754 Liberty, NY 53
+144.78% $278K 22 14206 Buffalo, NY 49
+144.30% $181K 23 64128 Kansas City, MO 63
+143.24% $95K 24 06607 Bridgeport, CT 28
+140.53% $314K 25 33142 Brownsville, FL 41
+140.38% $426K 26 06608 Bridgeport, CT 31
+140.27% $308K 27 13152 Skaneateles, NY 47
+139.58% $709K 28 45426 Trotwood, OH 57
+139.29% $173K 29 48212 Hamtramck, MI 55
+138.62% $129K 30 12701 Monticello, NY 49
+136.24% $291K 31 72736 Gravette, AR 61
+136.19% $365K 32 92274 Thermal, CA 32
+135.69% $300K 33 17401 York, PA 57
+134.64% $149K 34 64124 Kansas City, MO 64
+133.90% $128K 35 81623 Carbondale, CO 44
+133.61% $1.4M 36 19604 Reading, PA 54
+133.57% $173K 37 13204 Syracuse, NY 58
+133.55% $154K 38 33161 North Miami, FL 46
+133.16% $497K 39 37916 Knoxville, TN 45
+133.11% $491K 40 18102 Allentown, PA 48
+132.64% $226K 41 66102 Kansas City, KS 58
+132.56% $157K 42 37046 College Grove, TN 50
+132.27% $1.3M 43 46613 South Bend, IN 63
+132.20% $114K 44 64123 Kansas City, MO 65
+131.09% $129K 45 53204 Milwaukee, WI 54
+130.67% $164K 46 64053 Independence, MO 65
+130.63% $125K 47 14303 Niagara Falls, NY 63
+130.48% $110K 48 33056 Miami Gardens, FL 46
+130.06% $481K 49 33167 Westview, FL 47
+129.82% $468K 50 33150 West Little River, FL 42
+129.46% $451K
02
Most undervalued Prices furthest below the ZIP's own history
# ZIP Score Overvaluation Median value 01 71040 Homer, LA 46
-51.09% $100K 02 36104 Montgomery, AL 65
-45.51% $62K 03 70802 Baton Rouge, LA 68
-42.34% $82K 04 70601 Lake Charles, LA 67
-40.11% $104K 05 38756 Leland, MS 55
-38.70% $67K 06 40977 Pineville, KY 55
-36.09% $83K 07 38701 Greenville, MS 55
-32.38% $61K 08 36610 Prichard, AL 62
-32.35% $37K 09 62930 Eldorado, IL 52
-30.99% $64K 10 36201 West End-Cobb Town, AL 66
-30.11% $64K 11 71075 Springhill, LA 55
-28.36% $81K 12 38703 Greenville, MS 52
-27.44% $49K 13 95969 Paradise, CA 43
-25.56% $334K 14 70807 Baton Rouge, LA 52
-25.15% $105K 15 15714 Northern Cambria, PA 58
-24.32% $82K 16 70805 Baton Rouge, LA 63
-23.98% $68K 17 70501 Lafayette, LA 60
-22.45% $106K 18 62859 McLeansboro, IL 48
-21.89% $97K 19 15902 Johnstown, PA 62
-21.15% $52K 20 36603 Mobile, AL 60
-20.62% $70K 21 78355 Falfurrias, TX 52
-19.33% $71K 22 15906 Johnstown, PA 57
-18.31% $46K 23 44104 Cleveland, OH 56
-17.14% $84K 24 78332 Alice, TX 50
-16.95% $137K 25 38614 Clarksdale, MS 54
-16.56% $47K 26 71322 Bunkie, LA 37
-16.56% $105K 27 71334 Ferriday, LA 47
-16.25% $90K 28 63103 Saint Louis, MO 55
-15.84% $133K 29 70668 Vinton, LA 60
-15.13% $147K 30 39150 Port Gibson, MS 50
-15.11% $86K 31 21217 Baltimore, MD 57
-15.05% $95K 32 24801 Welch, WV 62
-14.58% $48K 33 71052 Mansfield, LA 51
-14.56% $138K 34 60605 Chicago, IL 57
-14.54% $341K 35 62896 West Frankfort, IL 46
-14.01% $99K 36 10018 New York, NY 44
-13.92% $1.3M 37 78014 Cotulla, TX 48
-12.55% $118K 38 71103 Shreveport, LA 62
-12.32% $34K 39 10005 New York, NY 57
-12.16% $1.1M 40 70633 Dequincy, LA 64
-11.81% $162K 41 29536 Dillon, SC 55
-11.50% $121K 42 62201 East Saint Louis, IL 45
-11.27% $53K 43 71251 Jonesboro, LA 56
-11.11% $96K 44 71483 Winnfield, LA 56
-11.11% $108K 45 70526 Crowley, LA 58
-11.02% $122K 46 63107 Saint Louis, MO 54
-10.85% $47K 47 70669 Westlake, LA 62
-10.75% $188K 48 71254 Lake Providence, LA 48
-10.51% $60K 49 70615 Lake Charles, LA 56
-10.39% $149K 50 70345 Cut Off, LA 60
-10.36% $134K
Overvaluation is a HavenScore composite built from Zillow home values and Census incomes; it also feeds the score’s Risk pillar. Median value is Zillow ZHVI. Only ZIPs with 5,000+ residents are ranked (13,128 qualify this month) — valuation extremes are exactly where thin-market noise concentrates, so the floor matters here more than anywhere. Readings refresh with the monthly pipeline. How the score works →