3-digit ZIP regional index
Home appreciation in ZIP codes 454xxDayton, OH area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 454 changed +4.8% over the year to Q2 2026, compared with +4.3% for Ohio and +3.0% for the United States.
The region covers ZIP codes 45402–45459. Most of its 2010 population lived in Montgomery County (89%), Greene County (11%). Communities in the region include Kettering, Beavercreek, Huber Heights, Riverside, Trotwood. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +4.8%
- 5-year change
- +47.8%
- Since Q1 1995
- +165%
- National rank (1 year)
- 290th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 454 vs Ohio and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 454: 265.2
- Ohio: 301.1
- Dayton-Kettering-Beavercreek, OH metro: 270.6
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 454 | OH | U.S. | Gap vs OH | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +4.8% | +4.3% | +3.0% | +0.5 pts | +1.7 pts |
| 3 years | +17.6% | +18.3% | +12.9% | −0.6 pts | +4.8 pts |
| 5 years | +47.8% | +48.1% | +41.3% | −0.3 pts | +6.6 pts |
| 10 years | +111% | +103% | +93.3% | +8.2 pts | +17.5 pts |
| Since Q1 1995 | +165% | +201% | +292% | −35.8 pts | −126.3 pts |
If you bought in ZIP3 454 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 | +158% | $775,102 |
| Q2 2000 | +129% | $688,280 |
| Q2 2005 | +94.8% | $584,272 |
| Q2 2010 | +112% | $634,647 |
| Q2 2015 | +117% | $652,230 |
| Q2 2020 | +66.8% | $500,484 |
| Q2 2021 | +47.8% | $443,520 |
| Q2 2023 | +17.6% | $352,947 |
| Q2 2025 | +4.8% | $314,290 |
How ZIP3 454 ranks
Over the past year ZIP3 454 ranks 290th of 882 3-digit ZIP regions nationally and 15th of 29 in Ohio. Its one-year change is +1.7 pts versus the nation and +0.5 pts versus Ohio. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Ohio |
|---|---|---|
| 1 year | 290th of 882 | 15th of 29 |
| 3 years | 315th of 882 | 24th of 29 |
| 5 years | 325th of 882 | 20th of 29 |
| 10 years | 174th of 882 | 6th of 29 |
| Since Q1 1995 | 852nd of 879 | 27th of 29 |
Boom, bust, and recovery in ZIP3 454
ZIP3 454's index peaked in Q4 2006, fell 15.1% to its low in Q3 2013, and regained its peak in Q1 2018, about 11.2 years after the top. Today it sits +92.4% 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 454 | Q4 2006 | Q3 2013 | -15.1% | Q1 2018 (11.2 yrs) | +92.4% |
| OH | Q4 2005 | Q2 2012 | -12.9% | Q2 2017 (11.5 yrs) | +95.6% |
| Metro | Q4 2006 | Q1 2014 | -13.8% | Q1 2018 (11.2 yrs) | +94.7% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 454's index has changed +19.8% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 454 after inflation | OH after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +0.9% | +0.4% | +1.3% | -0.8% |
| 3 years | +9.8% | +7.1% | +7.7% | +7.5% | +2.8% |
| 5 years | +24.0% | +19.2% | +19.4% | +20.7% | +13.9% |
| 10 years | +39.1% | +51.6% | +45.7% | +51.0% | +39.0% |
| Since Q1 1995 | +121% | +19.8% | +36.0% | +22.2% | +76.8% |
Estimate appreciation for a home in ZIP3 454
Regional estimate
$632,528
- Estimated gain
- $332,528
- Index change
- +111%
- Start index
- 125.80
- End index
- 265.24
ZIP3 454 (Dayton, 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 |
|---|---|---|---|---|
| 453 · Fairborn, OH area | OH | +5.5% | +51.9% | +185% |
| 455 · Springfield, OH area | OH | +3.1% | +53.4% | +189% |
| 450 · Hamilton, OH area | OH | +4.2% | +52.5% | +206% |
| 451 · Wilmington, OH area | OH | +4.1% | +52.6% | +225% |
| 452 · Cincinnati, OH area | OH | +3.3% | +48.0% | +220% |
| 473 · Muncie, IN area | IN | +9.0% | +54.4% | +205% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 265.24 |
| Q1 2026 | 256.85 |
| Q4 2025 | 258.58 |
| Q3 2025 | 254.78 |
| Q2 2025 | 253.18 |
| Q1 2025 | 248.93 |
| Q4 2024 | 241.44 |
| Q3 2024 | 245.10 |
| Q2 2024 | 239.79 |
| Q1 2024 | 233.63 |
| Q4 2023 | 229.94 |
| Q3 2023 | 229.10 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 454?
- Based on FHFA HPI® data for 3-digit ZIP region 454, the regional index changed +4.8% over the year to Q2 2026, +47.8% over five years, +111% over ten years, and +165% since Q1 1995.
- Is ZIP3 454 appreciating faster than Ohio and the U.S.?
- Over the past year the region's index +4.8% compares with +4.3% for Ohio and +3.0% for the U.S., a gap of +1.7 pts versus the nation. Over five years the gap versus the nation is +6.6 pts.
- Which ZIP codes are in 3-digit ZIP region 454?
- All ZIP codes that begin with 454. Census 2010 ZIP Code Tabulation Areas in this region run from 45402 to 45459 (28 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.