3-digit ZIP regional index
Home appreciation in ZIP codes 427xxElizabethtown, KY area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 427 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 42701–42788. Most of its 2010 population lived in Hardin County (34%), Grayson County (14%), Taylor County (14%). Communities in the region include Campbellsville, Leitchfield, Columbia, Hodgenville, Horse Cave. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +4.7%
- 5-year change
- +46.5%
- Since Q1 1995
- +261%
- National rank (1 year)
- 304th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 427 vs Kentucky and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 427: 360.6
- Kentucky: 338.8
- Elizabethtown, KY metro: 345.5
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 427 | KY | U.S. | Gap vs KY | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +4.7% | +4.7% | +3.0% | −0.1 pts | +1.6 pts |
| 3 years | +15.5% | +16.2% | +12.9% | −0.7 pts | +2.6 pts |
| 5 years | +46.5% | +45.9% | +41.3% | +0.7 pts | +5.2 pts |
| 10 years | +93.2% | +91.2% | +93.3% | +2.0 pts | −0.1 pts |
| Since Q1 1995 | +261% | +239% | +292% | +21.8 pts | −30.9 pts |
If you bought in ZIP3 427 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 | +246% | $1,038,993 |
| Q2 2000 | +179% | $838,280 |
| Q2 2005 | +124% | $672,176 |
| Q2 2010 | +106% | $618,383 |
| Q2 2015 | +99.7% | $599,036 |
| Q2 2020 | +67.3% | $501,763 |
| Q2 2021 | +46.5% | $439,560 |
| Q2 2023 | +15.5% | $346,464 |
| Q2 2025 | +4.6% | $313,947 |
How ZIP3 427 ranks
Over the past year ZIP3 427 ranks 304th of 882 3-digit ZIP regions nationally and 21st of 27 in Kentucky. Its one-year change is +1.6 pts versus the nation and −0.1 pts versus Kentucky. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Kentucky |
|---|---|---|
| 1 year | 304th of 882 | 21st of 27 |
| 3 years | 424th of 882 | 21st of 27 |
| 5 years | 367th of 882 | 22nd of 27 |
| 10 years | 404th of 882 | 6th of 27 |
| Since Q1 1995 | 440th of 879 | 3rd of 27 |
Boom, bust, and recovery in ZIP3 427
ZIP3 427's index peaked in Q1 2008, fell 5.6% to its low in Q4 2013, and regained its peak in Q3 2015, about 7.5 years after the top. Today it sits +98.5% 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 427 | Q1 2008 | Q4 2013 | -5.6% | Q3 2015 (7.5 yrs) | +98.5% |
| KY | Q1 2008 | Q2 2011 | -4.4% | Q1 2015 (7 yrs) | +102% |
| Metro | Q1 2008 | Q1 2014 | -5.3% | Q3 2014 (6.5 yrs) | +94.8% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 427's index has changed +62.9% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 427 after inflation | KY after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +0.8% | +0.8% | -2.7% | -0.8% |
| 3 years | +9.8% | +5.2% | +5.8% | +0.9% | +2.8% |
| 5 years | +24.0% | +18.1% | +17.6% | +17.4% | +13.9% |
| 10 years | +39.1% | +38.9% | +37.5% | +37.8% | +39.0% |
| Since Q1 1995 | +121% | +62.9% | +53.0% | +56.0% | +76.8% |
Estimate appreciation for a home in ZIP3 427
Regional estimate
$579,556
- Estimated gain
- $279,556
- Index change
- +93.19%
- Start index
- 186.66
- End index
- 360.60
ZIP3 427 (Elizabethtown, 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 |
|---|---|---|---|---|
| 401 · Radcliff, KY area | KY | +0.2% | +38.8% | +244% |
| 421 · Bowling Green, KY area | KY | +4.2% | +46.2% | +224% |
| 400 · Shelbyville, KY area | KY | +0.6% | +42.5% | +238% |
| 402 · Louisville/Jefferson County, KY area | KY | +4.1% | +38.2% | +234% |
| 425 · Somerset, KY area | KY | +5.6% | +50.5% | +243% |
| 471 · Jeffersonville, IN area | IN | +5.0% | +45.3% | +246% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 360.60 |
| Q1 2026 | 367.84 |
| Q4 2025 | 364.29 |
| Q3 2025 | 360.01 |
| Q2 2025 | 344.58 |
| Q1 2025 | 331.84 |
| Q4 2024 | 353.21 |
| Q3 2024 | 358.40 |
| Q2 2024 | 341.65 |
| Q1 2024 | 337.07 |
| Q4 2023 | 334.63 |
| Q3 2023 | 333.79 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 427?
- Based on FHFA HPI® data for 3-digit ZIP region 427, the regional index changed +4.7% over the year to Q2 2026, +46.5% over five years, +93.2% over ten years, and +261% since Q1 1995.
- Is ZIP3 427 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 +1.6 pts versus the nation. Over five years the gap versus the nation is +5.2 pts.
- Which ZIP codes are in 3-digit ZIP region 427?
- All ZIP codes that begin with 427. Census 2010 ZIP Code Tabulation Areas in this region run from 42701 to 42788 (33 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.