3-digit ZIP regional index
Home appreciation in ZIP codes 451xxWilmington, OH area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 451 changed +4.1% over the year to Q2 2026, compared with +4.3% for Ohio and +3.0% for the United States.
The region covers ZIP codes 45101–45177. Most of its 2010 population lived in Clermont County (47%), Brown County (13%), Highland County (13%). Communities in the region include Loveland, Milford, Hillsboro, Amelia, Mount Repose. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +4.1%
- 5-year change
- +52.6%
- Since Q1 1995
- +225%
- National rank (1 year)
- 370th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 451 vs Ohio and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 451: 325.0
- Ohio: 301.1
- Cincinnati, OH-KY-IN metro: 318.4
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 451 | OH | U.S. | Gap vs OH | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +4.1% | +4.3% | +3.0% | −0.2 pts | +1.1 pts |
| 3 years | +18.1% | +18.3% | +12.9% | −0.1 pts | +5.3 pts |
| 5 years | +52.6% | +48.1% | +41.3% | +4.5 pts | +11.3 pts |
| 10 years | +112% | +103% | +93.3% | +9.3 pts | +18.6 pts |
| Since Q1 1995 | +225% | +201% | +292% | +23.9 pts | −66.6 pts |
If you bought in ZIP3 451 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 | +222% | $966,568 |
| Q2 2000 | +158% | $774,390 |
| Q2 2005 | +110% | $630,949 |
| Q2 2010 | +126% | $679,122 |
| Q2 2015 | +119% | $656,131 |
| Q2 2020 | +70.8% | $512,340 |
| Q2 2021 | +52.6% | $457,862 |
| Q2 2023 | +18.1% | $354,360 |
| Q2 2025 | +4.1% | $312,331 |
How ZIP3 451 ranks
Over the past year ZIP3 451 ranks 370th of 882 3-digit ZIP regions nationally and 18th of 29 in Ohio. Its one-year change is +1.1 pts versus the nation and −0.2 pts versus Ohio. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Ohio |
|---|---|---|
| 1 year | 370th of 882 | 18th of 29 |
| 3 years | 290th of 882 | 22nd of 29 |
| 5 years | 184th of 882 | 6th of 29 |
| 10 years | 162nd of 882 | 3rd of 29 |
| Since Q1 1995 | 649th of 879 | 8th of 29 |
Boom, bust, and recovery in ZIP3 451
ZIP3 451's index peaked in Q1 2007, fell 13.9% to its low in Q2 2011, and regained its peak in Q2 2017, about 10.2 years after the top. Today it sits +102% 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 451 | Q1 2007 | Q2 2011 | -13.9% | Q2 2017 (10.2 yrs) | +102% |
| OH | Q4 2005 | Q2 2012 | -12.9% | Q2 2017 (11.5 yrs) | +95.6% |
| Metro | Q1 2007 | Q4 2013 | -11.0% | Q1 2017 (10 yrs) | +102% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 451's index has changed +46.8% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 451 after inflation | OH after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +0.2% | +0.4% | -0.1% | -0.8% |
| 3 years | +9.8% | +7.6% | +7.7% | +6.6% | +2.8% |
| 5 years | +24.0% | +23.1% | +19.4% | +20.9% | +13.9% |
| 10 years | +39.1% | +52.4% | +45.7% | +48.0% | +39.0% |
| Since Q1 1995 | +121% | +46.8% | +36.0% | +43.8% | +76.8% |
Estimate appreciation for a home in ZIP3 451
Regional estimate
$635,847
- Estimated gain
- $335,847
- Index change
- +112%
- Start index
- 153.32
- End index
- 324.96
ZIP3 451 (Wilmington, 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 |
|---|---|---|---|---|
| 452 · Cincinnati, OH area | OH | +3.3% | +48.0% | +220% |
| 450 · Hamilton, OH area | OH | +4.2% | +52.5% | +206% |
| 410 · Covington, KY area | KY | +4.5% | +49.0% | +229% |
| 454 · Dayton, OH area | OH | +4.8% | +47.8% | +165% |
| 453 · Fairborn, OH area | OH | +5.5% | +51.9% | +185% |
| 455 · Springfield, OH area | OH | +3.1% | +53.4% | +189% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 324.96 |
| Q1 2026 | 326.55 |
| Q4 2025 | 321.85 |
| Q3 2025 | 314.84 |
| Q2 2025 | 312.13 |
| Q1 2025 | 305.02 |
| Q4 2024 | 303.18 |
| Q3 2024 | 302.47 |
| Q2 2024 | 291.69 |
| Q1 2024 | 281.81 |
| Q4 2023 | 276.02 |
| Q3 2023 | 278.59 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 451?
- Based on FHFA HPI® data for 3-digit ZIP region 451, the regional index changed +4.1% over the year to Q2 2026, +52.6% over five years, +112% over ten years, and +225% since Q1 1995.
- Is ZIP3 451 appreciating faster than Ohio and the U.S.?
- Over the past year the region's index +4.1% compares with +4.3% for Ohio and +3.0% for the U.S., a gap of +1.1 pts versus the nation. Over five years the gap versus the nation is +11.3 pts.
- Which ZIP codes are in 3-digit ZIP region 451?
- All ZIP codes that begin with 451. Census 2010 ZIP Code Tabulation Areas in this region run from 45101 to 45177 (47 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.