3-digit ZIP regional index
Home appreciation in ZIP codes 436xxToledo, OH area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 436 changed +3.1% over the year to Q2 2026, compared with +4.3% for Ohio and +3.0% for the United States.
The region covers ZIP codes 43604–43623. Most of its 2010 population lived in Lucas County (98%). Communities in the region include Oregon, Northwood, Ottawa Hills, Sylvania, Curtice. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +3.1%
- 5-year change
- +45.5%
- Since Q1 1995
- +156%
- National rank (1 year)
- 535th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 436 vs Ohio and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 436: 256.1
- 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
| Window | ZIP3 436 | OH | U.S. | Gap vs OH | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +3.1% | +4.3% | +3.0% | −1.2 pts | +0.0 pts |
| 3 years | +19.8% | +18.3% | +12.9% | +1.6 pts | +7.0 pts |
| 5 years | +45.5% | +48.1% | +41.3% | −2.6 pts | +4.2 pts |
| 10 years | +95.0% | +103% | +93.3% | −7.6 pts | +1.7 pts |
| Since Q1 1995 | +156% | +201% | +292% | −44.9 pts | −135.4 pts |
If you bought in ZIP3 436 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 | +152% | $754,952 |
| Q2 2000 | +92.0% | $575,961 |
| Q2 2005 | +54.2% | $462,690 |
| Q2 2010 | +96.7% | $590,161 |
| Q2 2015 | +106% | $617,429 |
| Q2 2020 | +63.9% | $491,738 |
| Q2 2021 | +45.5% | $436,412 |
| Q2 2023 | +19.8% | $359,464 |
| Q2 2025 | +3.1% | $309,211 |
How ZIP3 436 ranks
Over the past year ZIP3 436 ranks 535th of 882 3-digit ZIP regions nationally and 24th of 29 in Ohio. Its one-year change is +0.0 pts versus the nation and −1.2 pts versus Ohio. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Ohio |
|---|---|---|
| 1 year | 535th of 882 | 24th of 29 |
| 3 years | 207th of 882 | 16th of 29 |
| 5 years | 409th of 882 | 27th of 29 |
| 10 years | 384th of 882 | 24th of 29 |
| Since Q1 1995 | 866th of 879 | 29th of 29 |
Boom, bust, and recovery in ZIP3 436
ZIP3 436's index peaked in Q3 2005, fell 29.9% to its low in Q1 2014, and regained its peak in Q1 2021, about 15.5 years after the top. Today it sits +52.6% 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 436 | Q3 2005 | Q1 2014 | -29.9% | Q1 2021 (15.5 yrs) | +52.6% |
| 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 436's index has changed +15.7% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 436 after inflation | OH after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -0.8% | +0.4% | -0.5% | -0.8% |
| 3 years | +9.8% | +9.1% | +7.7% | +7.0% | +2.8% |
| 5 years | +24.0% | +17.3% | +19.4% | +15.2% | +13.9% |
| 10 years | +39.1% | +40.2% | +45.7% | +34.8% | +39.0% |
| Since Q1 1995 | +121% | +15.7% | +36.0% | +18.4% | +76.8% |
Estimate appreciation for a home in ZIP3 436
Regional estimate
$584,994
- Estimated gain
- $284,994
- Index change
- +95.00%
- Start index
- 131.35
- End index
- 256.13
ZIP3 436 (Toledo, 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 |
|---|---|---|---|---|
| 434 · Bowling Green, OH area | OH | +4.0% | +46.2% | +194% |
| 435 · Perrysburg, OH area | OH | +4.0% | +42.2% | +166% |
| 481 · Ann Arbor, MI area | MI | +3.7% | +41.8% | +204% |
| 492 · Jackson, MI area | MI | +7.3% | +47.4% | +224% |
| 482 · Detroit, MI area | MI | +5.0% | +38.7% | +231% |
| 448 · Sandusky, OH area | OH | +4.8% | +54.3% | +209% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 256.13 |
| Q1 2026 | 253.93 |
| Q4 2025 | 251.87 |
| Q3 2025 | 251.01 |
| Q2 2025 | 248.50 |
| Q1 2025 | 241.18 |
| Q4 2024 | 241.23 |
| Q3 2024 | 239.23 |
| Q2 2024 | 231.58 |
| Q1 2024 | 223.60 |
| Q4 2023 | 219.57 |
| Q3 2023 | 219.94 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 436?
- Based on FHFA HPI® data for 3-digit ZIP region 436, the regional index changed +3.1% over the year to Q2 2026, +45.5% over five years, +95.0% over ten years, and +156% since Q1 1995.
- Is ZIP3 436 appreciating faster than Ohio and the U.S.?
- Over the past year the region's index +3.1% compares with +4.3% for Ohio and +3.0% for the U.S., a gap of +0.0 pts versus the nation. Over five years the gap versus the nation is +4.2 pts.
- Which ZIP codes are in 3-digit ZIP region 436?
- All ZIP codes that begin with 436. Census 2010 ZIP Code Tabulation Areas in this region run from 43604 to 43623 (17 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.