The Deltona house you didn’t buy in 1995
A $300,000 house at 1995’s average index level, tracked to 2026 Q2.
The metro index went from 102.5 (the 1995 average) to 446.6 in 2026 Q2, 4.4× its 1995 level. That makes a $300,000 purchase about $1.31M today.
With 20% down ($60,000) and a 30-year loan at 1995’s average rate of 7.93%, today’s equity is about $1.31M, 22× the down payment. The loan would be paid off by now, so the equity equals the house’s value.
The same $60,000 down payment, put in an S&P 500 index fund instead (the TSP C Fund, dividends reinvested), was worth $1.49M at the end of August 2026, the latest month the fund has reported at tsp.gov.
Run your own numbers for 1995 →
House figures are estimates for the whole metro market, from the FHFA index. Not financial advice.
FAQ
What is a 1995 Deltona house worth today?
About $1.31M for a $300,000 house, a 4.4× market multiple to 2026 Q2 by the FHFA all-transactions index for Deltona-Daytona Beach-Ormond Beach, FL.
Why use an index instead of listings?
The FHFA index is built from repeat transactions on the same homes, so it controls for the mix of what happens to be for sale.
Is this investment advice?
No. This is historical arithmetic for education and entertainment.