3-digit ZIP regional index
Home appreciation in ZIP codes 430xxColumbus, OH area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 430 changed +4.8% over the year to Q2 2026, compared with +4.3% for Ohio and +3.0% for the United States.
The region covers ZIP codes 43001–43085. Most of its 2010 population lived in Franklin County (36%), Delaware County (22%), Licking County (21%). Communities in the region include Newark, Dublin, Westerville, Reynoldsburg, Delaware. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +4.8%
- 5-year change
- +51.8%
- Since Q1 1995
- +244%
- National rank (1 year)
- 289th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 430 vs Ohio and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 430: 343.8
- Ohio: 301.1
- Columbus, OH metro: 351.1
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 430 | OH | U.S. | Gap vs OH | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +4.8% | +4.3% | +3.0% | +0.5 pts | +1.7 pts |
| 3 years | +16.4% | +18.3% | +12.9% | −1.9 pts | +3.5 pts |
| 5 years | +51.8% | +48.1% | +41.3% | +3.7 pts | +10.5 pts |
| 10 years | +112% | +103% | +93.3% | +9.2 pts | +18.5 pts |
| Since Q1 1995 | +244% | +201% | +292% | +42.7 pts | −47.8 pts |
If you bought in ZIP3 430 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 | +239% | $1,017,904 |
| Q2 2000 | +178% | $833,743 |
| Q2 2005 | +127% | $682,058 |
| Q2 2010 | +140% | $719,858 |
| Q2 2015 | +123% | $668,269 |
| Q2 2020 | +70.3% | $510,893 |
| Q2 2021 | +51.8% | $455,277 |
| Q2 2023 | +16.4% | $349,157 |
| Q2 2025 | +4.8% | $314,289 |
How ZIP3 430 ranks
Over the past year ZIP3 430 ranks 289th of 882 3-digit ZIP regions nationally and 14th of 29 in Ohio. Its one-year change is +1.7 pts versus the nation and +0.5 pts versus Ohio. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Ohio |
|---|---|---|
| 1 year | 289th of 882 | 14th of 29 |
| 3 years | 379th of 882 | 25th of 29 |
| 5 years | 199th of 882 | 9th of 29 |
| 10 years | 165th of 882 | 4th of 29 |
| Since Q1 1995 | 532nd of 879 | 5th of 29 |
Boom, bust, and recovery in ZIP3 430
ZIP3 430's index peaked in Q4 2006, fell 9.5% to its low in Q2 2011, and regained its peak in Q2 2015, about 8.5 years after the top. Today it sits +124% 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 430 | Q4 2006 | Q2 2011 | -9.5% | Q2 2015 (8.5 yrs) | +124% |
| OH | Q4 2005 | Q2 2012 | -12.9% | Q2 2017 (11.5 yrs) | +95.6% |
| Metro | Q4 2006 | Q2 2011 | -10.2% | Q2 2015 (8.5 yrs) | +124% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 430's index has changed +55.3% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 430 after inflation | OH after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +0.9% | +0.4% | -0.5% | -0.8% |
| 3 years | +9.8% | +6.0% | +7.7% | +3.9% | +2.8% |
| 5 years | +24.0% | +22.4% | +19.4% | +17.8% | +13.9% |
| 10 years | +39.1% | +52.3% | +45.7% | +51.3% | +39.0% |
| Since Q1 1995 | +121% | +55.3% | +36.0% | +58.6% | +76.8% |
Estimate appreciation for a home in ZIP3 430
Regional estimate
$635,414
- Estimated gain
- $335,414
- Index change
- +112%
- Start index
- 162.31
- End index
- 343.78
ZIP3 430 (Columbus, OH 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 |
|---|---|---|---|---|
| 432 · Columbus, OH area | OH | +2.1% | +40.7% | +274% |
| 431 · Columbus, OH area | OH | +3.0% | +46.4% | +232% |
| 433 · Marion, OH area | OH | +7.9% | +54.6% | +275% |
| 449 · Mansfield, OH area | OH | -2.3% | +49.4% | +183% |
| 455 · Springfield, OH area | OH | +3.1% | +53.4% | +189% |
| 438 · Coshocton, OH area | OH | +6.2% | +50.3% | +224% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 343.78 |
| Q1 2026 | 333.91 |
| Q4 2025 | 332.14 |
| Q3 2025 | 330.48 |
| Q2 2025 | 328.15 |
| Q1 2025 | 321.20 |
| Q4 2024 | 319.44 |
| Q3 2024 | 314.59 |
| Q2 2024 | 313.28 |
| Q1 2024 | 302.14 |
| Q4 2023 | 298.76 |
| Q3 2023 | 298.91 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 430?
- Based on FHFA HPI® data for 3-digit ZIP region 430, the regional index changed +4.8% over the year to Q2 2026, +51.8% over five years, +112% over ten years, and +244% since Q1 1995.
- Is ZIP3 430 appreciating faster than Ohio and the U.S.?
- Over the past year the region's index +4.8% compares with +4.3% for Ohio 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 +10.5 pts.
- Which ZIP codes are in 3-digit ZIP region 430?
- All ZIP codes that begin with 430. Census 2010 ZIP Code Tabulation Areas in this region run from 43001 to 43085 (58 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.