3-digit ZIP regional index
Home appreciation in ZIP codes 420xxPaducah, KY area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 420 changed +5.3% over the year to Q2 2026, compared with +4.7% for Kentucky and +3.0% for the United States.
The region covers ZIP codes 42001–42088. Most of its 2010 population lived in McCracken County (30%), Calloway County (17%), Graves County (17%). Communities in the region include Murray, Mayfield, Farley, Hendron, Massac. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +5.3%
- 5-year change
- +48.2%
- Since Q1 1995
- +213%
- National rank (1 year)
- 238th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 420 vs Kentucky and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 420: 313.4
- Kentucky: 338.8
- Paducah, KY-IL metro: 301.1
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 420 | KY | U.S. | Gap vs KY | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +5.3% | +4.7% | +3.0% | +0.5 pts | +2.3 pts |
| 3 years | +14.8% | +16.2% | +12.9% | −1.4 pts | +2.0 pts |
| 5 years | +48.2% | +45.9% | +41.3% | +2.4 pts | +6.9 pts |
| 10 years | +80.2% | +91.2% | +93.3% | −11.0 pts | −13.1 pts |
| Since Q1 1995 | +213% | +239% | +292% | −25.5 pts | −78.2 pts |
If you bought in ZIP3 420 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 | +204% | $912,759 |
| Q2 2000 | +169% | $807,395 |
| Q2 2005 | +124% | $672,858 |
| Q2 2010 | +95.8% | $587,531 |
| Q2 2015 | +84.5% | $553,361 |
| Q2 2020 | +61.7% | $485,162 |
| Q2 2021 | +48.2% | $444,699 |
| Q2 2023 | +14.8% | $344,492 |
| Q2 2025 | +5.3% | $315,835 |
How ZIP3 420 ranks
Over the past year ZIP3 420 ranks 238th of 882 3-digit ZIP regions nationally and 19th of 27 in Kentucky. Its one-year change is +2.3 pts versus the nation and +0.5 pts versus Kentucky. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Kentucky |
|---|---|---|
| 1 year | 238th of 882 | 19th of 27 |
| 3 years | 469th of 882 | 22nd of 27 |
| 5 years | 314th of 882 | 21st of 27 |
| 10 years | 602nd of 882 | 26th of 27 |
| Since Q1 1995 | 711th of 879 | 26th of 27 |
Boom, bust, and recovery in ZIP3 420
ZIP3 420's index peaked in Q1 2009, fell 2.3% to its low in Q2 2011, and regained its peak in Q4 2011, about 2.8 years after the top. Today it sits +92.3% 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 420 | Q1 2009 | Q2 2011 | -2.3% | Q4 2011 (2.8 yrs) | +92.3% |
| KY | Q1 2008 | Q2 2011 | -4.4% | Q1 2015 (7 yrs) | +102% |
| Metro | Q1 2009 | Q2 2011 | -2.3% | Q4 2012 (3.8 yrs) | +85.6% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 420's index has changed +41.5% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 420 after inflation | KY after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +1.4% | +0.8% | +7.2% | -0.8% |
| 3 years | +9.8% | +4.6% | +5.8% | +4.5% | +2.8% |
| 5 years | +24.0% | +19.5% | +17.6% | +18.8% | +13.9% |
| 10 years | +39.1% | +29.6% | +37.5% | +28.7% | +39.0% |
| Since Q1 1995 | +121% | +41.5% | +53.0% | +36.0% | +76.8% |
Estimate appreciation for a home in ZIP3 420
Regional estimate
$540,569
- Estimated gain
- $240,569
- Index change
- +80.19%
- Start index
- 173.90
- End index
- 313.35
ZIP3 420 (Paducah, 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 |
|---|---|---|---|---|
| 382 · Martin, TN area | TN | +3.6% | +58.3% | +309% |
| 629 · Carbondale, IL area | IL | +3.5% | +41.9% | +168% |
| 424 · Henderson, KY area | KY | +4.7% | +49.8% | +235% |
| 637 · Cape Girardeau, MO area | MO | +6.4% | +41.4% | +196% |
| 638 · Sikeston, MO area | MO | +5.4% | +53.2% | +255% |
| 422 · Hopkinsville, KY area | KY | +2.1% | +49.4% | +275% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 313.35 |
| Q1 2026 | 303.93 |
| Q4 2025 | 299.35 |
| Q3 2025 | 300.64 |
| Q2 2025 | 297.64 |
| Q1 2025 | 291.07 |
| Q4 2024 | 284.28 |
| Q3 2024 | 284.84 |
| Q2 2024 | 281.59 |
| Q1 2024 | 271.22 |
| Q4 2023 | 265.03 |
| Q3 2023 | 267.50 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 420?
- Based on FHFA HPI® data for 3-digit ZIP region 420, the regional index changed +5.3% over the year to Q2 2026, +48.2% over five years, +80.2% over ten years, and +213% since Q1 1995.
- Is ZIP3 420 appreciating faster than Kentucky and the U.S.?
- Over the past year the region's index +5.3% compares with +4.7% for Kentucky and +3.0% for the U.S., a gap of +2.3 pts versus the nation. Over five years the gap versus the nation is +6.9 pts.
- Which ZIP codes are in 3-digit ZIP region 420?
- All ZIP codes that begin with 420. Census 2010 ZIP Code Tabulation Areas in this region run from 42001 to 42088 (49 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.