How much have home prices risen in ZIP codes starting with 435?

Based on FHFA HPI® data for 3-digit ZIP region 435, the regional index changed +4.0% over the year to Q2 2026, +42.2% over five years, +85.0% over ten years, and +166% since Q1 1995.

Is ZIP3 435 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 +0.9 pts versus the nation. Over five years the gap versus the nation is +1.0 pts.

Which ZIP codes are in 3-digit ZIP region 435?

All ZIP codes that begin with 435. Census 2010 ZIP Code Tabulation Areas in this region run from 43501 to 43571 (50 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.

3-digit ZIP regional index

Home appreciation in ZIP codes 435xxPerrysburg, OH area

Name: Home price index for 3-digit ZIP region 435 (Perrysburg, OH area)
Creator: zipappreciation.com
License: https://zipappreciation.com/data-sources

FHFA HPI® data shows the regional home price index for ZIP codes beginning with 435 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 43501–43571. Most of its 2010 population lived in Lucas County (35%), Wood County (15%), Fulton County (14%). Communities in the region include Sylvania, Defiance, Maumee, Napoleon, Bryan. This is a regional index, not a ZIP5, street, or individual-home estimate.

1-year change: +4.0%
5-year change: +42.2%
Since Q1 1995: +166%
National rank (1 year): 391st

ZIP3 435 vs Ohio and the U.S.

FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026

ZIP3 435: 266.1
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

Percent change in the regional index to Q2 2026; gaps are percentage points
Window	ZIP3 435	OH	U.S.	Gap vs OH	Gap vs U.S.
1 year	+4.0%	+4.3%	+3.0%	−0.3 pts	+0.9 pts
3 years	+17.7%	+18.3%	+12.9%	−0.6 pts	+4.8 pts
5 years	+42.2%	+48.1%	+41.3%	−5.9 pts	+1.0 pts
10 years	+85.0%	+103%	+93.3%	−17.6 pts	−8.3 pts
Since Q1 1995	+166%	+201%	+292%	−35.0 pts	−125.5 pts

If you bought in ZIP3 435 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	+163%	$790,169
Q2 2000	+111%	$633,101
Q2 2005	+78.3%	$534,810
Q2 2010	+98.4%	$595,323
Q2 2015	+92.0%	$575,949
Q2 2020	+58.0%	$473,876
Q2 2021	+42.2%	$426,727
Q2 2023	+17.7%	$352,992
Q2 2025	+4.0%	$311,863

How ZIP3 435 ranks

Over the past year ZIP3 435 ranks 391st of 882 3-digit ZIP regions nationally and 20th of 29 in Ohio. Its one-year change is +0.9 pts versus the nation and −0.3 pts versus Ohio. Rank 1 is the strongest appreciation.

Window	National rank	Rank in Ohio
1 year	391st of 882	20th of 29
3 years	314th of 882	23rd of 29
5 years	523rd of 882	28th of 29
10 years	545th of 882	29th of 29
Since Q1 1995	851st of 879	26th of 29

Fastest-appreciating ZIP codes in Ohio National ZIP3 rankings Toledo, OH metro trends

Boom, bust, and recovery in ZIP3 435

ZIP3 435's index peaked in Q3 2005, fell 14.8% to its low in Q2 2011, and regained its peak in Q4 2017, about 12.2 years after the top. Today it sits +75.8% 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 435	Q3 2005	Q2 2011	-14.8%	Q4 2017 (12.2 yrs)	+75.8%
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 435's index has changed +20.2% in real terms since Q1 1995. Home prices vs inflation

Window	Inflation (CPI-U)	ZIP3 435 after inflation	OH after inflation	Metro after inflation	U.S. after inflation
1 year	+3.9%	+0.1%	+0.4%	-0.5%	-0.8%
3 years	+9.8%	+7.2%	+7.7%	+7.0%	+2.8%
5 years	+24.0%	+14.7%	+19.4%	+15.2%	+13.9%
10 years	+39.1%	+33.0%	+45.7%	+34.8%	+39.0%
Since Q1 1995	+121%	+20.2%	+36.0%	+18.4%	+76.8%

Estimate appreciation for a home in ZIP3 435

Estimate regional appreciation

3-digit ZIP regionStarting value

Start periodEnd period

Regional estimate

$555,158

Estimated gain: $255,158
Index change: +85.05%
Start index: 143.77
End index: 266.05

ZIP3 435 (Perrysburg, OH area), Q2 2016 to Q2 2026. Index type: Native 3-Digit ZIP index.

About this estimate. This calculator is an independent tool that applies the publicly available FHFA House Price Index® (FHFA HPI®) to a value you enter. The FHFA HPI® is a 3-digit ZIP (regional) index that measures average price movement across a broad area - it is not specific to any individual property, and the result is not an appraisal, tax assessment, lender valuation, or guaranteed market value. zipappreciation.com is not affiliated with or endorsed by the FHFA. Source: Federal Housing Finance Agency, FHFA HPI® (fhfa.gov).

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%
434 · Bowling Green, OH area	OH	+4.0%	+46.2%	+194%
492 · Jackson, MI area	MI	+7.3%	+47.4%	+224%
458 · Findlay, OH area	OH	+7.5%	+47.7%	+215%
481 · Ann Arbor, MI area	MI	+3.7%	+41.8%	+204%
468 · Fort Wayne, IN area	IN	+3.5%	+55.1%	+228%

Recent quarterly index values

FHFA HPI® values for ZIP3 435 (original FHFA base, Q1 1995 = 100). Index type: Native 3-Digit ZIP index.
Period	Index
Q2 2026	266.05
Q1 2026	262.63
Q4 2025	260.67
Q3 2025	257.58
Q2 2025	255.93
Q1 2025	251.78
Q4 2024	251.49
Q3 2024	248.21
Q2 2024	246.55
Q1 2024	234.75
Q4 2023	233.97
Q3 2023	235.52

Frequently asked questions

How much have home prices risen in ZIP codes starting with 435?: Based on FHFA HPI® data for 3-digit ZIP region 435, the regional index changed +4.0% over the year to Q2 2026, +42.2% over five years, +85.0% over ten years, and +166% since Q1 1995.
Is ZIP3 435 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 +0.9 pts versus the nation. Over five years the gap versus the nation is +1.0 pts.
Which ZIP codes are in 3-digit ZIP region 435?: All ZIP codes that begin with 435. Census 2010 ZIP Code Tabulation Areas in this region run from 43501 to 43571 (50 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.

Search another region

Region details

ZIP codes: 43501–43571 (50 Census ZCTAs)
State: Ohio
Metro area: Toledo, OH
Main counties (2010 population share): Lucas County, OH 35%; Wood County, OH 15%; Fulton County, OH 14%; Defiance County, OH 13%; Williams County, OH 13%; Henry County, OH 10%
FHFA index type: Native 3-Digit ZIP index, all-transactions, NSA
Latest period / imported: Q2 2026 / 2026-09-30
FHFA annual ZIP3 index, 2025: Annual change +4.2%

Methodology note. The site currently uses imported public FHFA HPI® files last processed on 2026-09-30. ZIP pages use the quarterly all-transactions 3-digit ZIP regional index, with latest imported ZIP3 period 2026Q2. State and national context use FHFA master HPI all-transactions quarterly records. ZIP3 results are regional index calculations only.

FHFA 3-digit ZIP data describes a broad regional index. It does not identify a street address, ZIP5, parcel, county assessment record, or individual home value.

FHFA labels its 3-digit ZIP indexes as developmental, and it revises past index values with each quarterly release. Figures on this site are re-imported in full from each new release, so earlier quarters can change slightly from one update to the next.

Place, county, state, and metro labels for 3-digit ZIP regions are approximate. FHFA does not publish them; this site assigns them using U.S. Census Bureau 2010 ZCTA relationship and Gazetteer files and OMB metro area delineations, weighted by population. A region can span many communities and several counties.

Comparison charts rescale each series so the chosen base quarter equals 100 (Q1 1995 by default). Rescaling changes only the starting level; percentage changes between any two quarters are the same as in the original FHFA series.