3-digit ZIP regional index
Home appreciation in ZIP codes 411xxAshland, KY area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 411 changed +8.4% over the year to Q2 2026, compared with +4.7% for Kentucky and +3.0% for the United States.
The region covers ZIP codes 41101–41189. Most of its 2010 population lived in Boyd County (36%), Greenup County (27%), Carter County (20%). Communities in the region include Flatwoods, Westwood, Grayson, Russell, Raceland. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +8.4%
- 5-year change
- +44.9%
- Since Q1 1995
- +183%
- National rank (1 year)
- 38th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 411 vs Kentucky and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 411: 282.9
- Kentucky: 338.8
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 411 | KY | U.S. | Gap vs KY | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +8.4% | +4.7% | +3.0% | +3.7 pts | +5.4 pts |
| 3 years | +24.9% | +16.2% | +12.9% | +8.7 pts | +12.1 pts |
| 5 years | +44.9% | +45.9% | +41.3% | −1.0 pts | +3.6 pts |
| 10 years | +66.3% | +91.2% | +93.3% | −24.9 pts | −27.1 pts |
| Since Q1 1995 | +183% | +239% | +292% | −55.9 pts | −108.6 pts |
If you bought in ZIP3 411 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 | +173% | $819,079 |
| Q2 2000 | +138% | $714,119 |
| Q2 2005 | +93.0% | $578,943 |
| Q2 2010 | +72.3% | $516,794 |
| Q2 2015 | +66.8% | $500,460 |
| Q2 2020 | +54.4% | $463,205 |
| Q2 2021 | +44.9% | $434,644 |
| Q2 2023 | +24.9% | $374,715 |
| Q2 2025 | +8.4% | $325,209 |
How ZIP3 411 ranks
Over the past year ZIP3 411 ranks 38th of 882 3-digit ZIP regions nationally and 2nd of 27 in Kentucky. Its one-year change is +5.4 pts versus the nation and +3.7 pts versus Kentucky. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Kentucky |
|---|---|---|
| 1 year | 38th of 882 | 2nd of 27 |
| 3 years | 43rd of 882 | 1st of 27 |
| 5 years | 438th of 882 | 24th of 27 |
| 10 years | 778th of 882 | 27th of 27 |
| Since Q1 1995 | 827th of 879 | 27th of 27 |
Boom, bust, and recovery in ZIP3 411
ZIP3 411's index peaked in Q3 2009, fell 1.9% to its low in Q1 2010, and regained its peak in Q1 2011, about 1.5 years after the top. Today it sits +71.8% 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 411 | Q3 2009 | Q1 2010 | -1.9% | Q1 2011 (1.5 yrs) | +71.8% |
| KY | Q1 2008 | Q2 2011 | -4.4% | Q1 2015 (7 yrs) | +102% |
| Metro | Q3 2009 | Q1 2010 | -1.9% | Q1 2011 (1.5 yrs) | +71.8% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 411's index has changed +27.8% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 411 after inflation | KY after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +4.4% | +0.8% | +4.4% | -0.8% |
| 3 years | +9.8% | +13.8% | +5.8% | +13.8% | +2.8% |
| 5 years | +24.0% | +16.8% | +17.6% | +16.8% | +13.9% |
| 10 years | +39.1% | +19.5% | +37.5% | +19.5% | +39.0% |
| Since Q1 1995 | +121% | +27.8% | +53.0% | +27.8% | +76.8% |
Estimate appreciation for a home in ZIP3 411
Regional estimate
$498,783
- Estimated gain
- $198,783
- Index change
- +66.26%
- Start index
- 170.16
- End index
- 282.91
ZIP3 411 (Ashland, KY area), Q2 2016 to Q2 2026. Index type: MSA/MSAD Index.
Nearby 3-digit ZIP regions
| 3-digit ZIP region | State | 1 year | 5 years | Since Q1 1995 |
|---|---|---|---|---|
| 257 · Huntington, WV area | WV | +8.4% | +44.9% | +183% |
| 456 · Chillicothe, OH area | OH | +6.0% | +50.5% | +230% |
| 412 · Paintsville, KY area | KY | +5.6% | +50.5% | +243% |
| 255 · Hurricane, WV area | WV | +8.4% | +44.9% | +183% |
| 414 · West Liberty, KY area | KY | +5.6% | +50.5% | +243% |
| 416 · Prestonsburg, KY area | KY | +5.6% | +50.5% | +243% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 282.91 |
| Q1 2026 | 273.47 |
| Q4 2025 | 279.81 |
| Q3 2025 | 265.68 |
| Q2 2025 | 260.98 |
| Q1 2025 | 257.29 |
| Q4 2024 | 256.14 |
| Q3 2024 | 247.18 |
| Q2 2024 | 245.72 |
| Q1 2024 | 244.28 |
| Q4 2023 | 241.53 |
| Q3 2023 | 239.60 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 411?
- Based on FHFA HPI® data for 3-digit ZIP region 411, the regional index changed +8.4% over the year to Q2 2026, +44.9% over five years, +66.3% over ten years, and +183% since Q1 1995.
- Is ZIP3 411 appreciating faster than Kentucky and the U.S.?
- Over the past year the region's index +8.4% compares with +4.7% for Kentucky and +3.0% for the U.S., a gap of +5.4 pts versus the nation. Over five years the gap versus the nation is +3.6 pts.
- Which ZIP codes are in 3-digit ZIP region 411?
- All ZIP codes that begin with 411. Census 2010 ZIP Code Tabulation Areas in this region run from 41101 to 41189 (26 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.