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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.

United StatesSeptember 2026

BuyersSellersEven
Balanced−2
All scored ZIPs26,291 ZIPs · September 2026
HavenScore50average, weighted by population
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%.

Search a ZIP or city to see your area and state.

Census regions

2017201820192020202120222023202420252026
Sep 2026
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Trailed · −7%U.S. median +24%Beat · +45%

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

Read the map as a table
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).
State5-year price change12-month price changeHavenScoreBalanceScored ZIPs
Alabama+16.5%+1.9%60Balanced −8510
Alaska+18.5%+5.7%49Balanced +150
Arizona+11.6%−0.7%50Leaning buyer −40300
Arkansas+21.1%+3.0%58Leaning buyer −16305
California+15.1%+1.1%39Leaning buyer −211,542
Colorado+8.0%−1.1%47Buyer's market −41416
Connecticut+43.0%+5.6%43Leaning seller +28257
Delaware+23.6%+1.3%54Leaning buyer −1659
District of Columbia−8.8%−1.4%45Buyer's market −4622
Florida+22.4%−1.0%50Buyer's market −43924
Georgia+23.6%+0.1%54Leaning buyer −28666
Hawaii+15.5%+1.7%48Balanced −378
Idaho+10.2%+2.4%50Balanced −10203
Illinois+26.7%+5.3%49Leaning seller +131,084
Indiana+28.8%+2.9%58Balanced −2698
Iowa+24.8%+3.3%57Balanced −1824
Kansas+30.1%+3.8%56Balanced +5515
Kentucky+24.5%−1.0%56Leaning buyer −12600
Louisiana−0.5%+1.4%56Leaning buyer −24345
Maine+29.5%+1.7%48Balanced −4311
Maryland+13.3%−0.1%50Leaning buyer −16423
Massachusetts+24.7%+2.2%43Balanced +2485
Michigan+23.3%+3.3%54Balanced −4892
Minnesota+16.0%+2.5%52Balanced −10718
Mississippi+9.6%+1.8%54Balanced −9343
Missouri+25.4%+3.3%56Balanced −2764
Montana+26.9%+2.8%47Leaning buyer −14232
Nebraska+25.3%+3.0%55Balanced +9463
Nevada+16.3%−1.5%48Buyer's market −41133
New Hampshire+37.0%+2.8%44Balanced +10231
New Jersey+35.8%+3.7%43Leaning seller +15547
New Mexico+22.2%+1.6%48Leaning buyer −27148
New York+21.9%+4.8%48Balanced +91,561
North Carolina+25.6%+0.5%54Leaning buyer −27719
North Dakota+20.7%+5.1%55Leaning seller +11113
Ohio+28.2%+3.0%54Balanced −11,024
Oklahoma+24.9%+2.8%58Leaning buyer −16499
Oregon+9.1%+0.1%43Leaning buyer −40339
Pennsylvania+22.9%+2.3%53Balanced +31,363
Rhode Island+34.7%+3.3%43Leaning seller +1369
South Carolina+24.2%+1.2%58Leaning buyer −27359
South Dakota+24.7%+2.7%53Balanced −1146
Tennessee+26.1%+1.0%56Leaning buyer −25588
Texas+11.2%−1.0%53Leaning buyer −351,513
Utah+15.5%+1.8%50Leaning buyer −23186
Vermont+20.3%+1.1%43Balanced −2229
Virginia+24.1%+2.3%52Balanced −3757
Washington+11.6%−0.6%43Leaning buyer −39485
West Virginia+22.4%+2.6%58Balanced +6479
Wisconsin+32.7%+5.0%50Leaning seller +20679
Wyoming+26.7%+1.1%48Leaning buyer −1395

Across the country

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 →

From the data

The month’s biggest price moves, the slowest markets and where mortgage rates stand, each with the numbers behind it.

All stories →

Price movers

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.

Zillow home value index · August 2026Read →

Days on market

Listings sit longest in Naples: 97 days

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.

Realtor.com · September 2026All stories →

Mortgage rates

The 30-year rate averaged 6.86% in September, +0.51 pts in a year

Three years of the monthly average, from Freddie Mac's weekly survey.

6.86%October 2023September 2026

Freddie Mac · monthly averageRead →

State by state

Where buyers have the most leverage

  1. 1Florida−43
  2. 2Nevada−41
  3. 3Colorado−41
  4. 4Oregon−40
  5. 5Arizona−40
  6. 6Washington−39

Where sellers have the most leverage

  1. 1Connecticut+28
  2. 2Wisconsin+20
  3. 3New Jersey+15
  4. 4Rhode Island+13
  5. 5Illinois+13
  6. 6North Dakota+11

How to read it

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.

How it works

One score. Every ZIP. No guesswork.

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.

Read the full methodology →

Why HavenScore

Built for everyone who does their homework.

Every number traces back.

Each input has a named source. Click any one to see how it lands in the score — no black box, no gut calls.

The whole cycle, not a snapshot.

Twenty-six years of monthly values on every ZIP page, with the peak, the drawdown and where each market sits in its cycle today.

True cost, not list price.

The monthly cost weighs income, payments, taxes, this ZIP's insurance premium, and current rates — not just the asking number.

Free forever isn't a teaser.

Scout includes every score, the full history and the full map. Haven and Pro add the tools that turn the score into a decision.

The receipts

No testimonials yet. Just receipts.

26,291ZIPs scored, free to read
17named sources behind every number
September 2026latest month of listings data
Monthlyforecasts checked against actuals

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Every score, the full map, saved ZIPs, and a monthly digest of what changed. Free forever — no card.

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