3-digit ZIP regional index
Home appreciation in ZIP codes 458xxFindlay, OH area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 458 changed +7.5% over the year to Q2 2026, compared with +4.3% for Ohio and +3.0% for the United States.
The region covers ZIP codes 45801–45899. Most of its 2010 population lived in Allen County (29%), Hancock County (19%), Auglaize County (12%). Communities in the region include Lima, Van Wert, Celina, Wapakoneta, St. Marys. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +7.5%
- 5-year change
- +47.7%
- Since Q1 1995
- +215%
- National rank (1 year)
- 59th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 458 vs Ohio and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 458: 315.0
- Ohio: 301.1
- Lima, OH metro: 310.4
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 458 | OH | U.S. | Gap vs OH | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +7.5% | +4.3% | +3.0% | +3.2 pts | +4.5 pts |
| 3 years | +22.1% | +18.3% | +12.9% | +3.8 pts | +9.2 pts |
| 5 years | +47.7% | +48.1% | +41.3% | −0.4 pts | +6.4 pts |
| 10 years | +96.1% | +103% | +93.3% | −6.5 pts | +2.8 pts |
| Since Q1 1995 | +215% | +201% | +292% | +13.9 pts | −76.6 pts |
If you bought in ZIP3 458 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 | +205% | $915,520 |
| Q2 2000 | +147% | $741,060 |
| Q2 2005 | +105% | $615,154 |
| Q2 2010 | +112% | $635,422 |
| Q2 2015 | +101% | $601,566 |
| Q2 2020 | +64.5% | $493,473 |
| Q2 2021 | +47.7% | $443,100 |
| Q2 2023 | +22.1% | $366,208 |
| Q2 2025 | +7.5% | $322,614 |
How ZIP3 458 ranks
Over the past year ZIP3 458 ranks 59th of 882 3-digit ZIP regions nationally and 3rd of 29 in Ohio. Its one-year change is +4.5 pts versus the nation and +3.2 pts versus Ohio. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Ohio |
|---|---|---|
| 1 year | 59th of 882 | 3rd of 29 |
| 3 years | 133rd of 882 | 7th of 29 |
| 5 years | 328th of 882 | 21st of 29 |
| 10 years | 370th of 882 | 22nd of 29 |
| Since Q1 1995 | 703rd of 879 | 12th of 29 |
Boom, bust, and recovery in ZIP3 458
ZIP3 458's index peaked in Q1 2008, fell 6.7% to its low in Q2 2011, and regained its peak in Q4 2015, about 7.8 years after the top. Today it sits +99.5% 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 458 | Q1 2008 | Q2 2011 | -6.7% | Q4 2015 (7.8 yrs) | +99.5% |
| OH | Q4 2005 | Q2 2012 | -12.9% | Q2 2017 (11.5 yrs) | +95.6% |
| Metro | Q4 2005 | Q2 2014 | -10.9% | Q2 2017 (11.5 yrs) | +93.8% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 458's index has changed +42.3% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 458 after inflation | OH after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +3.5% | +0.4% | +7.0% | -0.8% |
| 3 years | +9.8% | +11.2% | +7.7% | +12.3% | +2.8% |
| 5 years | +24.0% | +19.1% | +19.4% | +19.8% | +13.9% |
| 10 years | +39.1% | +41.0% | +45.7% | +45.9% | +39.0% |
| Since Q1 1995 | +121% | +42.3% | +36.0% | +40.2% | +76.8% |
Estimate appreciation for a home in ZIP3 458
Regional estimate
$588,418
- Estimated gain
- $288,418
- Index change
- +96.14%
- Start index
- 160.60
- End index
- 315.00
ZIP3 458 (Findlay, 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 |
|---|---|---|---|---|
| 433 · Marion, OH area | OH | +7.9% | +54.6% | +275% |
| 435 · Perrysburg, OH area | OH | +4.0% | +42.2% | +166% |
| 468 · Fort Wayne, IN area | IN | +3.5% | +55.1% | +228% |
| 467 · Huntington, IN area | IN | +6.8% | +53.8% | +246% |
| 434 · Bowling Green, OH area | OH | +4.0% | +46.2% | +194% |
| 453 · Fairborn, OH area | OH | +5.5% | +51.9% | +185% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 315.00 |
| Q1 2026 | 304.58 |
| Q4 2025 | 301.34 |
| Q3 2025 | 299.94 |
| Q2 2025 | 292.92 |
| Q1 2025 | 288.02 |
| Q4 2024 | 283.82 |
| Q3 2024 | 283.06 |
| Q2 2024 | 275.52 |
| Q1 2024 | 266.54 |
| Q4 2023 | 266.24 |
| Q3 2023 | 264.25 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 458?
- Based on FHFA HPI® data for 3-digit ZIP region 458, the regional index changed +7.5% over the year to Q2 2026, +47.7% over five years, +96.1% over ten years, and +215% since Q1 1995.
- Is ZIP3 458 appreciating faster than Ohio and the U.S.?
- Over the past year the region's index +7.5% compares with +4.3% for Ohio and +3.0% for the U.S., a gap of +4.5 pts versus the nation. Over five years the gap versus the nation is +6.4 pts.
- Which ZIP codes are in 3-digit ZIP region 458?
- All ZIP codes that begin with 458. Census 2010 ZIP Code Tabulation Areas in this region run from 45801 to 45899 (79 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.