ZAzipappreciation.com

3-digit ZIP regional index

Home appreciation in ZIP codes 401xxRadcliff, KY area

FHFA HPI® data shows the regional home price index for ZIP codes beginning with 401 changed +0.2% over the year to Q2 2026, compared with +4.7% for Kentucky and +3.0% for the United States.

The region covers ZIP codes 40104–40178. Most of its 2010 population lived in Hardin County (31%), Bullitt County (27%), Meade County (20%). Communities in the region include Shepherdsville, Fort Knox, Louisville/Jefferson County, Vine Grove, Brandenburg. This is a regional index, not a ZIP5, street, or individual-home estimate.

1-year change
+0.2%

Year to Q2 2026

5-year change
+38.8%

vs U.S. +41.3%

Since Q1 1995
+244%

vs U.S. +292%

National rank (1 year)
809th

of 882 ZIP3 regions

ZIP3 401 vs Kentucky and the U.S.

FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026

1002003004001995200020052010201520202025
  • ZIP3 401: 344.0
  • Kentucky: 338.8
  • Louisville/Jefferson County, KY-IN metro: 336.5
  • United States: 391.6

Want a different starting year? Rebase this chart or compare with another ZIP3.

Appreciation by time window

Percent change in the regional index to Q2 2026; gaps are percentage points
WindowZIP3 401KYU.S.Gap vs KYGap vs U.S.
1 year+0.2%+4.7%+3.0%−4.5 pts−2.8 pts
3 years+9.0%+16.2%+12.9%−7.2 pts−3.9 pts
5 years+38.8%+45.9%+41.3%−7.0 pts−2.5 pts
10 years+86.0%+91.2%+93.3%−5.2 pts−7.4 pts
Since Q1 1995+244%+239%+292%+5.2 pts−47.6 pts

If you bought in ZIP3 401 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 inIndex change$300,000 then, at the regional rate
Q2 1995+229%$986,616
Q2 2000+155%$766,375
Q2 2005+110%$629,307
Q2 2010+98.4%$595,259
Q2 2015+94.3%$582,820
Q2 2020+57.6%$472,896
Q2 2021+38.8%$416,499
Q2 2023+9.0%$326,965
Q2 2025+0.2%$300,717

How ZIP3 401 ranks

Over the past year ZIP3 401 ranks 809th of 882 3-digit ZIP regions nationally and 27th of 27 in Kentucky. Its one-year change is −2.8 pts versus the nation and −4.5 pts versus Kentucky. Rank 1 is the strongest appreciation.

WindowNational rankRank in Kentucky
1 year809th of 88227th of 27
3 years746th of 88227th of 27
5 years632nd of 88226th of 27
10 years533rd of 88223rd of 27
Since Q1 1995530th of 8796th of 27

Boom, bust, and recovery in ZIP3 401

ZIP3 401's index peaked in Q1 2009, fell 5.0% to its low in Q1 2011, and regained its peak in Q4 2014, about 5.8 years after the top. Today it sits +92.7% versus that 2000s peak. How every state and ZIP region fared

Area2000s peakLow pointPeak to lowBack to peakToday vs peak
ZIP3 401Q1 2009Q1 2011-5.0%Q4 2014 (5.8 yrs)+92.7%
KYQ1 2008Q2 2011-4.4%Q1 2015 (7 yrs)+102%
MetroQ1 2008Q2 2011-5.9%Q1 2015 (7 yrs)+98.8%
U.S.Q1 2007Q2 2012-19.0%Q4 2016 (9.8 yrs)+89.3%

Appreciation after inflation

Adjusting for consumer price inflation, ZIP3 401's index has changed +55.4% in real terms since Q1 1995. Home prices vs inflation

WindowInflation (CPI-U)ZIP3 401 after inflationKY after inflationMetro after inflationU.S. after inflation
1 year+3.9%-3.5%+0.8%-0.0%-0.8%
3 years+9.8%-0.8%+5.8%+4.4%+2.8%
5 years+24.0%+11.9%+17.6%+13.0%+13.9%
10 years+39.1%+33.7%+37.5%+34.6%+39.0%
Since Q1 1995+121%+55.4%+53.0%+52.0%+76.8%

Estimate appreciation for a home in ZIP3 401

Estimate regional appreciation

Regional estimate

$557,898

Estimated gain
$257,898
Index change
+85.97%
Start index
184.98
End index
344.00

ZIP3 401 (Radcliff, KY area), Q2 2016 to Q2 2026. Index type: Native 3-Digit ZIP index.

About this estimate. This calculator is an independent tool that applies the publicly available FHFA House Price Index® (FHFA HPI®) to a value you enter. The FHFA HPI® is a 3-digit ZIP (regional) index that measures average price movement across a broad area - it is not specific to any individual property, and the result is not an appraisal, tax assessment, lender valuation, or guaranteed market value. zipappreciation.com is not affiliated with or endorsed by the FHFA. Source: Federal Housing Finance Agency, FHFA HPI® (fhfa.gov).

Nearby 3-digit ZIP regions

3-digit ZIP regionState1 year5 yearsSince Q1 1995
402 · Louisville/Jefferson County, KY areaKY+4.1%+38.2%+234%
427 · Elizabethtown, KY areaKY+4.7%+46.5%+261%
471 · Jeffersonville, IN areaIN+5.0%+45.3%+246%
400 · Shelbyville, KY areaKY+0.6%+42.5%+238%
423 · Owensboro, KY areaKY+13.1%+50.8%+234%
406 · Frankfort, KY areaKY+5.6%+50.5%+243%

Recent quarterly index values

FHFA HPI® values for ZIP3 401 (original FHFA base, Q1 1995 = 100). Index type: Native 3-Digit ZIP index.
PeriodIndex
Q2 2026344.00
Q1 2026344.58
Q4 2025343.81
Q3 2025341.36
Q2 2025343.18
Q1 2025332.72
Q4 2024331.63
Q3 2024327.20
Q2 2024328.89
Q1 2024309.66
Q4 2023314.40
Q3 2023310.09

Frequently asked questions

How much have home prices risen in ZIP codes starting with 401?
Based on FHFA HPI® data for 3-digit ZIP region 401, the regional index changed +0.2% over the year to Q2 2026, +38.8% over five years, +86.0% over ten years, and +244% since Q1 1995.
Is ZIP3 401 appreciating faster than Kentucky and the U.S.?
Over the past year the region's index +0.2% compares with +4.7% for Kentucky and +3.0% for the U.S., a gap of −2.8 pts versus the nation. Over five years the gap versus the nation is −2.5 pts.
Which ZIP codes are in 3-digit ZIP region 401?
All ZIP codes that begin with 401. Census 2010 ZIP Code Tabulation Areas in this region run from 40104 to 40178 (31 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.