Compare ZIP code home appreciation

Compare any two 3-digit ZIP regions with their states and the U.S. Every line is rescaled so your chosen start quarter equals 100, making growth paths directly comparable.

Home price index, Q1 2010 = 100

FHFA HPI® all-transactions index through Q2 2026

ZIP3 423 (Owensboro, KY): 224.7
Kentucky: 208.1
United States: 221.0

Change since Q1 2010

Area	Change since Q1 2010	Index (Q1 2010 = 100)	Gap vs U.S.
ZIP3 423 (Owensboro, KY)	+125%	224.7	+3.8 pts
Kentucky	+108%	208.1	−12.9 pts
United States	+121%	221.0	—

Standard time windows

Percent change to Q2 2026
Window	ZIP3 423 (Owensboro, KY)	Kentucky	United States
1 year	+13.1%	+4.7%	+3.0%
3 years	+22.2%	+16.2%	+12.9%
5 years	+50.8%	+45.9%	+41.3%
10 years	+91.7%	+91.2%	+93.3%
Since Q1 1995	+234%	+239%	+292%

Full ZIP3 423 page

Comparison charts rescale each series so the chosen base quarter equals 100 (Q1 1995 by default). Rescaling changes only the starting level; percentage changes between any two quarters are the same as in the original FHFA series.

Methodology note. The site currently uses imported public FHFA HPI® files last processed on 2026-09-30. ZIP pages use the quarterly all-transactions 3-digit ZIP regional index, with latest imported ZIP3 period 2026Q2. State and national context use FHFA master HPI all-transactions quarterly records. ZIP3 results are regional index calculations only.

FHFA 3-digit ZIP data describes a broad regional index. It does not identify a street address, ZIP5, parcel, county assessment record, or individual home value.

FHFA labels its 3-digit ZIP indexes as developmental, and it revises past index values with each quarterly release. Figures on this site are re-imported in full from each new release, so earlier quarters can change slightly from one update to the next.

Place, county, state, and metro labels for 3-digit ZIP regions are approximate. FHFA does not publish them; this site assigns them using U.S. Census Bureau 2010 ZCTA relationship and Gazetteer files and OMB metro area delineations, weighted by population. A region can span many communities and several counties.