ZIP Performance Analysis™

Long-Horizon ZIP-Level Performance Analysis

ZIP Performance Analysis™ is a quantitative analysis tool within the CB Intelligence™ platform.

It is designed for real estate professionals, buyers, and investors who want to understand how capital has historically behaved in a specific ZIP code over long holding periods, using consistent performance and risk metrics rather than short-term trends or projections.

ZIP Performance Analysis™ does not predict prices. It does not model future scenarios. It quantifies historical behavior to support long-horizon decision-making.

What ZIP Performance Analysis™ Is Designed to Answer

Each ZIP Performance Analysis™ report is built to answer practical questions related to capital behavior:

How did prices and returns evolve over time in this ZIP?
How volatile was ownership year to year?
How did holding period length affect outcomes?
How did downside risk and recovery shape long-run results?

Rather than focusing on nominal prices alone, the analysis standardizes historical behavior so ZIP codes can be evaluated and compared on a consistent, long-horizon basis.

What ZIP Performance Analysis™ Is

ZIP Performance Analysis™ is a quantitative complement to ZIP Intelligence™.

It translates long-term market behavior into numerical context by examining how prices, returns, and volatility have historically evolved across decades. The goal is to help advisors and buyers understand how capital actually compounded over time, how variable ownership experience was from year to year, how holding period length influenced outcomes, and how drawdowns and recoveries shaped long-run performance.

The analysis emphasizes historical behavior, not prediction.

What ZIP Performance Analysis™ Covers

ZIP Performance Analysis™ focuses on long-horizon performance, volatility, and capital behavior.

Each report typically includes the following components.

Long-Term Price Behavior (Indexed)

Indexed price behavior is used to illustrate relative change over time, independent of nominal price levels.

This view highlights long-term growth trends, market cycles, drawdowns and recoveries, and volatility patterns across decades. Indexing is used intentionally to emphasize behavior rather than price magnitude, allowing comparisons across time and across ZIP codes without distortion from absolute price differences.

Estimated Price Path (Indexed to Today)

Historical index behavior is translated into estimated price equivalents by anchoring the analysis to a known current price.

This approach provides dollar-based intuition for long-term capital movement while preserving the underlying historical structure of the data. Estimated prices are illustrative only and are not forecasts, appraisals, or transaction-level estimates.

Annual Return Volatility (Year-over-Year)

Year-over-year return analysis shows how returns varied from one year to the next.

This view helps explain the lived experience of ownership, including periods of instability or stress, and illustrates why shorter holding periods tend to carry higher risk. Volatility is a central consideration in long-horizon decision-making, particularly for buyers and investors sensitive to timing risk.

Rolling Annualized Return (CAGR)

Rolling annualized return analysis examines how compounded annual returns change as the holding period lengthens.

This view illustrates the stabilizing effect of time on returns, entry-point sensitivity, and the difference between short-term outcomes and long-term compounding. Returns are calculated using standard compound annual growth rate methodology across multiple rolling windows.

Long-Horizon Performance Summary

Long-horizon performance summaries consolidate results across multi-decade periods, typically spanning approximately 30- or 50-year horizons where data is available.

These summaries provide context on long-run capital efficiency, historical downside exposure, and recovery behavior across full market cycles. They are intended to frame expectations and tradeoffs rather than define guarantees or outcomes.

How ZIP Performance Analysis™ Is Used

ZIP Performance Analysis™ is used when numerical clarity and long-term performance context are required.

It is commonly applied:

• To evaluate long-term holding outcomes across ZIP codes
• To compare return profiles and volatility between neighborhoods
• To assess downside exposure during historical downturns
• To frame expectations around compounding versus short-term risk
• To support investor and advisor discussions focused on capital behavior

The analysis is intended to inform judgment, not replace it.

Relationship to ZIP Intelligence™

ZIP Performance Analysis™ is designed to complement ZIP Intelligence™.

ZIP Intelligence™ focuses on structural interpretation, explaining how and why a ZIP behaves the way it does over time.

ZIP Performance Analysis™ focuses on quantification, showing how capital historically performed across different holding periods and market environments.

Used together, the two tools provide a more complete picture of long-horizon market behavior.

Learn more about ZIP Intelligence™ →

Availability

ZIP Performance Analysis™ is available for selected ZIP codes where sufficient long-horizon data exists.

Availability may vary by region and data coverage. Additional ZIPs are added as analysis is completed.

Methodology & Data Approach

ZIP Performance Analysis™ relies on long-horizon housing price indices and structural indicators. Data is indexed to emphasize relative performance and behavioral patterns rather than nominal price levels.

Estimated price paths are used to provide intuitive context while avoiding false precision. Proxies are applied deliberately to reduce over-interpretation and preserve historical structure.

Past performance does not guarantee future results.

ZIP Performance Analysis™ provides historical analysis and educational context only. It does not constitute financial, legal, tax, or investment advice and does not substitute for MLS data, local disclosures, or professional due diligence.

Disclaimer: ZIP Performance Analysis™™ provides historical analysis and educational context only.
It does not constitute financial, tax, legal, or investment advice.