3-digit ZIP regional index
Home appreciation in ZIP codes 424xxHenderson, KY area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 424 changed +4.7% over the year to Q2 2026, compared with +4.7% for Kentucky and +3.0% for the United States.
The region covers ZIP codes 42404–42464. Most of its 2010 population lived in Hopkins County (34%), Henderson County (34%), Union County (11%). Communities in the region include Madisonville, Princeton, Morganfield, Providence, Dawson Springs. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +4.7%
- 5-year change
- +49.8%
- Since Q1 1995
- +235%
- National rank (1 year)
- 293rd
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 424 vs Kentucky and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 424: 335.1
- 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 424 | KY | U.S. | Gap vs KY | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +4.7% | +4.7% | +3.0% | −0.0 pts | +1.7 pts |
| 3 years | +24.2% | +16.2% | +12.9% | +7.9 pts | +11.3 pts |
| 5 years | +49.8% | +45.9% | +41.3% | +3.9 pts | +8.5 pts |
| 10 years | +80.7% | +91.2% | +93.3% | −10.5 pts | −12.7 pts |
| Since Q1 1995 | +235% | +239% | +292% | −3.7 pts | −56.5 pts |
If you bought in ZIP3 424 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 | +218% | $953,857 |
| Q2 2000 | +167% | $800,310 |
| Q2 2005 | +122% | $664,510 |
| Q2 2010 | +101% | $602,355 |
| Q2 2015 | +89.7% | $568,978 |
| Q2 2020 | +60.2% | $480,531 |
| Q2 2021 | +49.8% | $449,303 |
| Q2 2023 | +24.2% | $372,474 |
| Q2 2025 | +4.7% | $314,147 |
How ZIP3 424 ranks
Over the past year ZIP3 424 ranks 293rd of 882 3-digit ZIP regions nationally and 20th of 27 in Kentucky. Its one-year change is +1.7 pts versus the nation and −0.0 pts versus Kentucky. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Kentucky |
|---|---|---|
| 1 year | 293rd of 882 | 20th of 27 |
| 3 years | 55th of 882 | 2nd of 27 |
| 5 years | 277th of 882 | 18th of 27 |
| 10 years | 598th of 882 | 25th of 27 |
| Since Q1 1995 | 610th of 879 | 21st of 27 |
Boom, bust, and recovery in ZIP3 424
ZIP3 424's index peaked in Q2 2008, fell 6.4% to its low in Q1 2010, and regained its peak in Q2 2012, about 4 years after the top. Today it sits +97.3% 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 424 | Q2 2008 | Q1 2010 | -6.4% | Q2 2012 (4 yrs) | +97.3% |
| KY | Q1 2008 | Q2 2011 | -4.4% | Q1 2015 (7 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 424's index has changed +51.3% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 424 after inflation | KY after inflation | U.S. after inflation |
|---|---|---|---|---|
| 1 year | +3.9% | +0.8% | +0.8% | -0.8% |
| 3 years | +9.8% | +13.1% | +5.8% | +2.8% |
| 5 years | +24.0% | +20.8% | +17.6% | +13.9% |
| 10 years | +39.1% | +29.9% | +37.5% | +39.0% |
| Since Q1 1995 | +121% | +51.3% | +53.0% | +76.8% |
Estimate appreciation for a home in ZIP3 424
Regional estimate
$541,983
- Estimated gain
- $241,983
- Index change
- +80.66%
- Start index
- 185.48
- End index
- 335.09
ZIP3 424 (Henderson, 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 |
|---|---|---|---|---|
| 423 · Owensboro, KY area | KY | +13.1% | +50.8% | +234% |
| 477 · Evansville, IN area | IN | +1.9% | +38.7% | +214% |
| 476 · Princeton, IN area | IN | +6.1% | +39.9% | +215% |
| 422 · Hopkinsville, KY area | KY | +2.1% | +49.4% | +275% |
| 420 · Paducah, KY area | KY | +5.3% | +48.2% | +213% |
| 475 · Vincennes, IN area | IN | +5.2% | +46.9% | +228% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 335.09 |
| Q1 2026 | 328.16 |
| Q4 2025 | 323.28 |
| Q3 2025 | 321.56 |
| Q2 2025 | 320.00 |
| Q1 2025 | 308.60 |
| Q4 2024 | 309.93 |
| Q3 2024 | 290.65 |
| Q2 2024 | 319.48 |
| Q1 2024 | 282.88 |
| Q4 2023 | 288.44 |
| Q3 2023 | 293.58 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 424?
- Based on FHFA HPI® data for 3-digit ZIP region 424, the regional index changed +4.7% over the year to Q2 2026, +49.8% over five years, +80.7% over ten years, and +235% since Q1 1995.
- Is ZIP3 424 appreciating faster than Kentucky and the U.S.?
- Over the past year the region's index +4.7% compares with +4.7% for Kentucky and +3.0% for the U.S., a gap of +1.7 pts versus the nation. Over five years the gap versus the nation is +8.5 pts.
- Which ZIP codes are in 3-digit ZIP region 424?
- All ZIP codes that begin with 424. Census 2010 ZIP Code Tabulation Areas in this region run from 42404 to 42464 (27 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.