3-digit ZIP regional index
Home appreciation in ZIP codes 410xxCovington, KY area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 410 changed +4.5% over the year to Q2 2026, compared with +4.7% for Kentucky and +3.0% for the United States.
The region covers ZIP codes 41001–41099. Most of its 2010 population lived in Kenton County (32%), Boone County (24%), Campbell County (18%). Communities in the region include Florence, Independence, Erlanger, Fort Thomas, Burlington. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +4.5%
- 5-year change
- +49.0%
- Since Q1 1995
- +229%
- National rank (1 year)
- 319th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 410 vs Kentucky and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 410: 328.6
- Kentucky: 338.8
- Cincinnati, OH-KY-IN metro: 318.4
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 410 | KY | U.S. | Gap vs KY | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +4.5% | +4.7% | +3.0% | −0.2 pts | +1.5 pts |
| 3 years | +17.8% | +16.2% | +12.9% | +1.6 pts | +4.9 pts |
| 5 years | +49.0% | +45.9% | +41.3% | +3.2 pts | +7.7 pts |
| 10 years | +100% | +91.2% | +93.3% | +9.0 pts | +6.9 pts |
| Since Q1 1995 | +229% | +239% | +292% | −10.2 pts | −63.0 pts |
If you bought in ZIP3 410 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 | +222% | $965,909 |
| Q2 2000 | +163% | $787,812 |
| Q2 2005 | +113% | $639,241 |
| Q2 2010 | +115% | $646,240 |
| Q2 2015 | +110% | $631,299 |
| Q2 2020 | +65.0% | $495,033 |
| Q2 2021 | +49.0% | $447,034 |
| Q2 2023 | +17.8% | $353,428 |
| Q2 2025 | +4.6% | $313,661 |
How ZIP3 410 ranks
Over the past year ZIP3 410 ranks 319th of 882 3-digit ZIP regions nationally and 22nd of 27 in Kentucky. Its one-year change is +1.5 pts versus the nation and −0.2 pts versus Kentucky. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Kentucky |
|---|---|---|
| 1 year | 319th of 882 | 22nd of 27 |
| 3 years | 308th of 882 | 20th of 27 |
| 5 years | 295th of 882 | 20th of 27 |
| 10 years | 317th of 882 | 3rd of 27 |
| Since Q1 1995 | 632nd of 879 | 24th of 27 |
Boom, bust, and recovery in ZIP3 410
ZIP3 410's index peaked in Q2 2007, fell 6.9% to its low in Q2 2011, and regained its peak in Q2 2016, about 9 years after the top. Today it sits +104% 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 410 | Q2 2007 | Q2 2011 | -6.9% | Q2 2016 (9 yrs) | +104% |
| KY | Q1 2008 | Q2 2011 | -4.4% | Q1 2015 (7 yrs) | +102% |
| Metro | Q1 2007 | Q4 2013 | -11.0% | Q1 2017 (10 yrs) | +102% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 410's index has changed +48.4% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 410 after inflation | KY after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +0.7% | +0.8% | -0.1% | -0.8% |
| 3 years | +9.8% | +7.3% | +5.8% | +6.6% | +2.8% |
| 5 years | +24.0% | +20.1% | +17.6% | +20.9% | +13.9% |
| 10 years | +39.1% | +44.0% | +37.5% | +48.0% | +39.0% |
| Since Q1 1995 | +121% | +48.4% | +53.0% | +43.8% | +76.8% |
Estimate appreciation for a home in ZIP3 410
Regional estimate
$600,676
- Estimated gain
- $300,676
- Index change
- +100%
- Start index
- 164.10
- End index
- 328.57
ZIP3 410 (Covington, KY area), Q2 2016 to Q2 2026. Index type: Native 3-Digit ZIP index.
Nearby 3-digit ZIP regions
| 3-digit ZIP region | State | 1 year | 5 years | Since Q1 1995 |
|---|---|---|---|---|
| 452 · Cincinnati, OH area | OH | +3.3% | +48.0% | +220% |
| 451 · Wilmington, OH area | OH | +4.1% | +52.6% | +225% |
| 470 · Batesville, IN area | IN | +3.6% | +51.1% | +242% |
| 450 · Hamilton, OH area | OH | +4.2% | +52.5% | +206% |
| 406 · Frankfort, KY area | KY | +5.6% | +50.5% | +243% |
| 454 · Dayton, OH area | OH | +4.8% | +47.8% | +165% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 328.57 |
| Q1 2026 | 321.90 |
| Q4 2025 | 321.99 |
| Q3 2025 | 316.87 |
| Q2 2025 | 314.26 |
| Q1 2025 | 312.27 |
| Q4 2024 | 306.00 |
| Q3 2024 | 303.13 |
| Q2 2024 | 302.92 |
| Q1 2024 | 290.31 |
| Q4 2023 | 287.82 |
| Q3 2023 | 285.52 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 410?
- Based on FHFA HPI® data for 3-digit ZIP region 410, the regional index changed +4.5% over the year to Q2 2026, +49.0% over five years, +100% over ten years, and +229% since Q1 1995.
- Is ZIP3 410 appreciating faster than Kentucky and the U.S.?
- Over the past year the region's index +4.5% compares with +4.7% for Kentucky and +3.0% for the U.S., a gap of +1.5 pts versus the nation. Over five years the gap versus the nation is +7.7 pts.
- Which ZIP codes are in 3-digit ZIP region 410?
- All ZIP codes that begin with 410. Census 2010 ZIP Code Tabulation Areas in this region run from 41001 to 41099 (55 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.