3-digit ZIP regional index
Home appreciation in ZIP codes 422xxHopkinsville, KY area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 422 changed +2.1% over the year to Q2 2026, compared with +4.7% for Kentucky and +3.0% for the United States.
The region covers ZIP codes 42202–42286. Most of its 2010 population lived in Christian County (47%), Logan County (17%), Trigg County (9%). Communities in the region include Fort Campbell North, Oak Grove, Russellville, Clarksville, Cadiz. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +2.1%
- 5-year change
- +49.4%
- Since Q1 1995
- +275%
- National rank (1 year)
- 644th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 422 vs Kentucky and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 422: 374.9
- 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 422 | KY | U.S. | Gap vs KY | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +2.1% | +4.7% | +3.0% | −2.6 pts | −0.9 pts |
| 3 years | +12.8% | +16.2% | +12.9% | −3.5 pts | −0.1 pts |
| 5 years | +49.4% | +45.9% | +41.3% | +3.5 pts | +8.1 pts |
| 10 years | +105% | +91.2% | +93.3% | +14.0 pts | +11.9 pts |
| Since Q1 1995 | +275% | +239% | +292% | +36.1 pts | −16.7 pts |
If you bought in ZIP3 422 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 | +276% | $1,127,203 |
| Q2 2000 | +208% | $924,844 |
| Q2 2005 | +149% | $746,951 |
| Q2 2010 | +118% | $653,767 |
| Q2 2015 | +113% | $640,256 |
| Q2 2020 | +70.2% | $510,560 |
| Q2 2021 | +49.4% | $448,052 |
| Q2 2023 | +12.7% | $338,239 |
| Q2 2025 | +2.1% | $306,400 |
How ZIP3 422 ranks
Over the past year ZIP3 422 ranks 644th of 882 3-digit ZIP regions nationally and 25th of 27 in Kentucky. Its one-year change is −0.9 pts versus the nation and −2.6 pts versus Kentucky. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Kentucky |
|---|---|---|
| 1 year | 644th of 882 | 25th of 27 |
| 3 years | 595th of 882 | 25th of 27 |
| 5 years | 288th of 882 | 19th of 27 |
| 10 years | 254th of 882 | 2nd of 27 |
| Since Q1 1995 | 391st of 879 | 2nd of 27 |
Boom, bust, and recovery in ZIP3 422
ZIP3 422's index peaked in Q4 2009, fell 2.7% to its low in Q4 2013, and regained its peak in Q3 2014, about 4.8 years after the top. Today it sits +116% 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 422 | Q4 2009 | Q4 2013 | -2.7% | Q3 2014 (4.8 yrs) | +116% |
| KY | Q1 2008 | Q2 2011 | -4.4% | Q1 2015 (7 yrs) | +102% |
| Metro | Q4 2009 | Q4 2013 | -2.7% | Q3 2014 (4.8 yrs) | +116% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 422's index has changed +69.3% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 422 after inflation | KY after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -1.7% | +0.8% | -1.7% | -0.8% |
| 3 years | +9.8% | +2.7% | +5.8% | +2.7% | +2.8% |
| 5 years | +24.0% | +20.4% | +17.6% | +20.4% | +13.9% |
| 10 years | +39.1% | +47.5% | +37.5% | +47.5% | +39.0% |
| Since Q1 1995 | +121% | +69.3% | +53.0% | +69.3% | +76.8% |
Estimate appreciation for a home in ZIP3 422
Regional estimate
$615,584
- Estimated gain
- $315,584
- Index change
- +105%
- Start index
- 182.69
- End index
- 374.87
ZIP3 422 (Hopkinsville, 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 |
|---|---|---|---|---|
| 424 · Henderson, KY area | KY | +4.7% | +49.8% | +235% |
| 423 · Owensboro, KY area | KY | +13.1% | +50.8% | +234% |
| 370 · Nashville-Davidson, TN area | TN | +1.7% | +48.0% | +346% |
| 421 · Bowling Green, KY area | KY | +4.2% | +46.2% | +224% |
| 372 · Nashville-Davidson, TN area | TN | +0.1% | +40.4% | +515% |
| 371 · Murfreesboro, TN area | TN | +1.7% | +47.6% | +343% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 374.87 |
| Q1 2026 | 382.28 |
| Q4 2025 | 370.62 |
| Q3 2025 | 375.99 |
| Q2 2025 | 367.04 |
| Q1 2025 | 351.82 |
| Q4 2024 | 359.02 |
| Q3 2024 | 362.09 |
| Q2 2024 | 349.43 |
| Q1 2024 | 346.74 |
| Q4 2023 | 343.16 |
| Q3 2023 | 341.26 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 422?
- Based on FHFA HPI® data for 3-digit ZIP region 422, the regional index changed +2.1% over the year to Q2 2026, +49.4% over five years, +105% over ten years, and +275% since Q1 1995.
- Is ZIP3 422 appreciating faster than Kentucky and the U.S.?
- Over the past year the region's index +2.1% compares with +4.7% for Kentucky and +3.0% for the U.S., a gap of −0.9 pts versus the nation. Over five years the gap versus the nation is +8.1 pts.
- Which ZIP codes are in 3-digit ZIP region 422?
- All ZIP codes that begin with 422. Census 2010 ZIP Code Tabulation Areas in this region run from 42202 to 42286 (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.