3-digit ZIP regional index
Home appreciation in ZIP codes 045xxBath, ME area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 045 changed +2.3% over the year to Q2 2026, compared with +3.2% for Maine and +3.0% for the United States.
The region covers ZIP codes 04530–04579. Most of its 2010 population lived in Lincoln County (56%), Sagadahoc County (35%), Knox County (9%). Communities in the region include Waldoboro, Damariscotta, Wiscasset, Boothbay Harbor, Newcastle. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +2.3%
- 5-year change
- +59.5%
- Since Q1 1995
- +302%
- National rank (1 year)
- 625th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 045 vs Maine and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 045: 402.1
- Maine: 477.7
- Portland-South Portland, ME metro: 519.0
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 045 | ME | U.S. | Gap vs ME | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +2.3% | +3.2% | +3.0% | −0.9 pts | −0.7 pts |
| 3 years | +16.2% | +17.0% | +12.9% | −0.7 pts | +3.4 pts |
| 5 years | +59.5% | +56.4% | +41.3% | +3.2 pts | +18.3 pts |
| 10 years | +123% | +123% | +93.3% | +0.1 pts | +29.6 pts |
| Since Q1 1995 | +302% | +378% | +292% | −75.6 pts | +10.5 pts |
If you bought in ZIP3 045 in…
Applying the regional index change from the same quarter of each year to Q2 2026 to an example $300,000 purchase price. Individual homes can differ widely from the regional average.
| Bought in | Index change | $300,000 then, at the regional rate |
|---|---|---|
| Q2 1995 | +302% | $1,205,396 |
| Q2 2000 | +257% | $1,071,166 |
| Q2 2005 | +123% | $670,208 |
| Q2 2010 | +120% | $658,644 |
| Q2 2015 | +125% | $674,065 |
| Q2 2020 | +86.2% | $558,677 |
| Q2 2021 | +59.5% | $478,629 |
| Q2 2023 | +16.2% | $348,685 |
| Q2 2025 | +2.3% | $306,947 |
How ZIP3 045 ranks
Over the past year ZIP3 045 ranks 625th of 882 3-digit ZIP regions nationally and 5th of 11 in Maine. Its one-year change is −0.7 pts versus the nation and −0.9 pts versus Maine. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Maine |
|---|---|---|
| 1 year | 625th of 882 | 5th of 11 |
| 3 years | 387th of 882 | 4th of 11 |
| 5 years | 49th of 882 | 2nd of 11 |
| 10 years | 76th of 882 | 5th of 11 |
| Since Q1 1995 | 298th of 879 | 6th of 11 |
Boom, bust, and recovery in ZIP3 045
ZIP3 045's index peaked in Q1 2008, fell 14.6% to its low in Q1 2014, and regained its peak in Q2 2019, about 11.2 years after the top. Today it sits +98.1% versus that 2000s peak. How every state and ZIP region fared
| Area | 2000s peak | Low point | Peak to low | Back to peak | Today vs peak |
|---|---|---|---|---|---|
| ZIP3 045 | Q1 2008 | Q1 2014 | -14.6% | Q2 2019 (11.2 yrs) | +98.1% |
| ME | Q1 2008 | Q2 2012 | -13.1% | Q3 2017 (9.5 yrs) | +109% |
| Metro | Q1 2007 | Q2 2012 | -13.2% | Q1 2017 (10 yrs) | +117% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 045's index has changed +81.6% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 045 after inflation | ME after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -1.5% | -0.6% | +0.6% | -0.8% |
| 3 years | +9.8% | +5.8% | +6.5% | +7.4% | +2.8% |
| 5 years | +24.0% | +28.6% | +26.1% | +25.7% | +13.9% |
| 10 years | +39.1% | +60.3% | +60.2% | +61.7% | +39.0% |
| Since Q1 1995 | +121% | +81.6% | +116% | +134% | +76.8% |
Estimate appreciation for a home in ZIP3 045
Regional estimate
$668,907
- Estimated gain
- $368,907
- Index change
- +123%
- Start index
- 180.33
- End index
- 402.08
ZIP3 045 (Bath, ME area), Q2 2016 to Q2 2026. Index type: Balance of State.
Nearby 3-digit ZIP regions
| 3-digit ZIP region | State | 1 year | 5 years | Since Q1 1995 |
|---|---|---|---|---|
| 043 · Augusta, ME area | ME | +2.3% | +59.5% | +302% |
| 048 · Rockland, ME area | ME | +2.3% | +59.5% | +302% |
| 042 · Lewiston, ME area | ME | +3.3% | +57.0% | +312% |
| 041 · Portland, ME area | ME | +5.2% | +56.7% | +497% |
| 040 · Biddeford, ME area | ME | +4.5% | +55.8% | +387% |
| 049 · Waterville, ME area | ME | +2.3% | +59.5% | +302% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 402.08 |
| Q1 2026 | 402.46 |
| Q4 2025 | 400.25 |
| Q3 2025 | 400.94 |
| Q2 2025 | 392.98 |
| Q1 2025 | 381.05 |
| Q4 2024 | 376.47 |
| Q3 2024 | 377.95 |
| Q2 2024 | 364.72 |
| Q1 2024 | 360.06 |
| Q4 2023 | 347.90 |
| Q3 2023 | 351.40 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 045?
- Based on FHFA HPI® data for 3-digit ZIP region 045, the regional index changed +2.3% over the year to Q2 2026, +59.5% over five years, +123% over ten years, and +302% since Q1 1995.
- Is ZIP3 045 appreciating faster than Maine and the U.S.?
- Over the past year the region's index +2.3% compares with +3.2% for Maine and +3.0% for the U.S., a gap of −0.7 pts versus the nation. Over five years the gap versus the nation is +18.3 pts.
- Which ZIP codes are in 3-digit ZIP region 045?
- All ZIP codes that begin with 045. Census 2010 ZIP Code Tabulation Areas in this region run from 04530 to 04579 (29 areas). FHFA publishes one index for the whole 3-digit region, not for each 5-digit ZIP code.
- Can I use this to value my home?
- No. The FHFA HPI® is a broad regional index of average price movement. It is not an appraisal, tax assessment, or automated valuation of any individual property. Use it as general context alongside local sales and a professional opinion.