3-digit ZIP regional index
Home appreciation in ZIP codes 439xxSteubenville, OH area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 439 changed +9.1% over the year to Q2 2026, compared with +4.3% for Ohio and +3.0% for the United States.
The region covers ZIP codes 43901–43988. Most of its 2010 population lived in Jefferson County (39%), Belmont County (31%), Columbiana County (19%). Communities in the region include East Liverpool, Martins Ferry, St. Clairsville, Toronto, Bellaire. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +9.1%
- 5-year change
- +55.9%
- Since Q1 1995
- +248%
- National rank (1 year)
- 11th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 439 vs Ohio and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 439: 348.2
- Ohio: 301.1
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 439 | OH | U.S. | Gap vs OH | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +9.1% | +4.3% | +3.0% | +4.8 pts | +6.1 pts |
| 3 years | +25.6% | +18.3% | +12.9% | +7.3 pts | +12.7 pts |
| 5 years | +55.9% | +48.1% | +41.3% | +7.8 pts | +14.6 pts |
| 10 years | +105% | +103% | +93.3% | +2.5 pts | +11.8 pts |
| Since Q1 1995 | +248% | +201% | +292% | +47.2 pts | −43.3 pts |
If you bought in ZIP3 439 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 | +243% | $1,028,673 |
| Q2 2000 | +167% | $800,981 |
| Q2 2005 | +117% | $650,389 |
| Q2 2010 | +116% | $648,814 |
| Q2 2015 | +104% | $613,315 |
| Q2 2020 | +70.4% | $511,291 |
| Q2 2021 | +55.9% | $467,562 |
| Q2 2023 | +25.6% | $376,652 |
| Q2 2025 | +9.1% | $327,232 |
How ZIP3 439 ranks
Over the past year ZIP3 439 ranks 11th of 882 3-digit ZIP regions nationally and 1st of 29 in Ohio. Its one-year change is +6.1 pts versus the nation and +4.8 pts versus Ohio. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Ohio |
|---|---|---|
| 1 year | 11th of 882 | 1st of 29 |
| 3 years | 32nd of 882 | 2nd of 29 |
| 5 years | 106th of 882 | 2nd of 29 |
| 10 years | 256th of 882 | 15th of 29 |
| Since Q1 1995 | 504th of 879 | 4th of 29 |
Boom, bust, and recovery in ZIP3 439
ZIP3 439's index peaked in Q2 2008, fell 10.3% to its low in Q1 2012, and regained its peak in Q2 2015, about 7 years after the top. Today it sits +106% 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 439 | Q2 2008 | Q1 2012 | -10.3% | Q2 2015 (7 yrs) | +106% |
| OH | Q4 2005 | Q2 2012 | -12.9% | Q2 2017 (11.5 yrs) | +95.6% |
| Metro | Q2 2008 | Q1 2012 | -10.3% | Q2 2015 (7 yrs) | +106% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 439's index has changed +57.3% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 439 after inflation | OH after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +5.0% | +0.4% | +5.0% | -0.8% |
| 3 years | +9.8% | +14.3% | +7.7% | +14.3% | +2.8% |
| 5 years | +24.0% | +25.7% | +19.4% | +25.7% | +13.9% |
| 10 years | +39.1% | +47.5% | +45.7% | +47.5% | +39.0% |
| Since Q1 1995 | +121% | +57.3% | +36.0% | +57.3% | +76.8% |
Estimate appreciation for a home in ZIP3 439
Regional estimate
$615,483
- Estimated gain
- $315,483
- Index change
- +105%
- Start index
- 169.74
- End index
- 348.24
ZIP3 439 (Steubenville, OH area), Q2 2016 to Q2 2026. Index type: MSA/MSAD Index.
Nearby 3-digit ZIP regions
| 3-digit ZIP region | State | 1 year | 5 years | Since Q1 1995 |
|---|---|---|---|---|
| 260 · Wheeling, WV area | WV | +0.6% | +36.8% | +189% |
| 153 · Washington, PA area | PA | +3.0% | +33.5% | +211% |
| 150 · New Kensington, PA area | PA | +5.1% | +39.0% | +216% |
| 152 · Pittsburgh, PA area | PA | +2.6% | +33.4% | +278% |
| 151 · Bethel Park, PA area | PA | +3.4% | +36.5% | +226% |
| 446 · Massillon, OH area | OH | +7.5% | +50.1% | +211% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 348.24 |
| Q1 2026 | 309.28 |
| Q4 2025 | 323.64 |
| Q3 2025 | 335.11 |
| Q2 2025 | 319.26 |
| Q1 2025 | 308.39 |
| Q4 2024 | 295.76 |
| Q3 2024 | 292.27 |
| Q2 2024 | 303.48 |
| Q1 2024 | 269.28 |
| Q4 2023 | 279.13 |
| Q3 2023 | 275.71 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 439?
- Based on FHFA HPI® data for 3-digit ZIP region 439, the regional index changed +9.1% over the year to Q2 2026, +55.9% over five years, +105% over ten years, and +248% since Q1 1995.
- Is ZIP3 439 appreciating faster than Ohio and the U.S.?
- Over the past year the region's index +9.1% compares with +4.3% for Ohio and +3.0% for the U.S., a gap of +6.1 pts versus the nation. Over five years the gap versus the nation is +14.6 pts.
- Which ZIP codes are in 3-digit ZIP region 439?
- All ZIP codes that begin with 439. Census 2010 ZIP Code Tabulation Areas in this region run from 43901 to 43988 (55 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.