3-digit ZIP regional index
Home appreciation in ZIP codes 434xxBowling Green, OH area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 434 changed +4.0% over the year to Q2 2026, compared with +4.3% for Ohio and +3.0% for the United States.
The region covers ZIP codes 43402–43469. Most of its 2010 population lived in Wood County (40%), Sandusky County (33%), Ottawa County (25%). Communities in the region include Fremont, Clyde, Rossford, Port Clinton, Walbridge. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +4.0%
- 5-year change
- +46.2%
- Since Q1 1995
- +194%
- National rank (1 year)
- 378th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 434 vs Ohio and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 434: 294.0
- Ohio: 301.1
- Toledo, OH metro: 262.2
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 434 | OH | U.S. | Gap vs OH | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +4.0% | +4.3% | +3.0% | −0.3 pts | +1.0 pts |
| 3 years | +19.1% | +18.3% | +12.9% | +0.9 pts | +6.3 pts |
| 5 years | +46.2% | +48.1% | +41.3% | −1.9 pts | +4.9 pts |
| 10 years | +88.9% | +103% | +93.3% | −13.7 pts | −4.4 pts |
| Since Q1 1995 | +194% | +201% | +292% | −7.1 pts | −97.6 pts |
If you bought in ZIP3 434 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 | +192% | $876,652 |
| Q2 2000 | +120% | $659,834 |
| Q2 2005 | +75.1% | $525,250 |
| Q2 2010 | +101% | $603,531 |
| Q2 2015 | +95.2% | $585,502 |
| Q2 2020 | +61.5% | $484,482 |
| Q2 2021 | +46.2% | $438,653 |
| Q2 2023 | +19.1% | $357,418 |
| Q2 2025 | +4.0% | $312,113 |
How ZIP3 434 ranks
Over the past year ZIP3 434 ranks 378th of 882 3-digit ZIP regions nationally and 19th of 29 in Ohio. Its one-year change is +1.0 pts versus the nation and −0.3 pts versus Ohio. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Ohio |
|---|---|---|
| 1 year | 378th of 882 | 19th of 29 |
| 3 years | 229th of 882 | 18th of 29 |
| 5 years | 381st of 882 | 26th of 29 |
| 10 years | 484th of 882 | 28th of 29 |
| Since Q1 1995 | 806th of 879 | 17th of 29 |
Boom, bust, and recovery in ZIP3 434
ZIP3 434's index peaked in Q4 2006, fell 16.7% to its low in Q4 2013, and regained its peak in Q3 2018, about 11.8 years after the top. Today it sits +72.8% 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 434 | Q4 2006 | Q4 2013 | -16.7% | Q3 2018 (11.8 yrs) | +72.8% |
| OH | Q4 2005 | Q2 2012 | -12.9% | Q2 2017 (11.5 yrs) | +95.6% |
| Metro | Q3 2005 | Q1 2013 | -22.0% | Q4 2019 (14.2 yrs) | +62.6% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 434's index has changed +32.8% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 434 after inflation | OH after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +0.2% | +0.4% | -0.5% | -0.8% |
| 3 years | +9.8% | +8.5% | +7.7% | +7.0% | +2.8% |
| 5 years | +24.0% | +17.9% | +19.4% | +15.2% | +13.9% |
| 10 years | +39.1% | +35.8% | +45.7% | +34.8% | +39.0% |
| Since Q1 1995 | +121% | +32.8% | +36.0% | +18.4% | +76.8% |
Estimate appreciation for a home in ZIP3 434
Regional estimate
$566,802
- Estimated gain
- $266,802
- Index change
- +88.93%
- Start index
- 155.61
- End index
- 294.00
ZIP3 434 (Bowling Green, 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 |
|---|---|---|---|---|
| 436 · Toledo, OH area | OH | +3.1% | +45.5% | +156% |
| 435 · Perrysburg, OH area | OH | +4.0% | +42.2% | +166% |
| 448 · Sandusky, OH area | OH | +4.8% | +54.3% | +209% |
| 481 · Ann Arbor, MI area | MI | +3.7% | +41.8% | +204% |
| 433 · Marion, OH area | OH | +7.9% | +54.6% | +275% |
| 458 · Findlay, OH area | OH | +7.5% | +47.7% | +215% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 294.00 |
| Q1 2026 | 288.75 |
| Q4 2025 | 286.01 |
| Q3 2025 | 289.78 |
| Q2 2025 | 282.59 |
| Q1 2025 | 276.45 |
| Q4 2024 | 277.35 |
| Q3 2024 | 273.80 |
| Q2 2024 | 265.72 |
| Q1 2024 | 257.64 |
| Q4 2023 | 249.38 |
| Q3 2023 | 252.63 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 434?
- Based on FHFA HPI® data for 3-digit ZIP region 434, the regional index changed +4.0% over the year to Q2 2026, +46.2% over five years, +88.9% over ten years, and +194% since Q1 1995.
- Is ZIP3 434 appreciating faster than Ohio and the U.S.?
- Over the past year the region's index +4.0% compares with +4.3% for Ohio and +3.0% for the U.S., a gap of +1.0 pts versus the nation. Over five years the gap versus the nation is +4.9 pts.
- Which ZIP codes are in 3-digit ZIP region 434?
- All ZIP codes that begin with 434. Census 2010 ZIP Code Tabulation Areas in this region run from 43402 to 43469 (41 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.