3-digit ZIP regional index
Home appreciation in ZIP codes 478xxTerre Haute, IN area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 478 changed +7.5% over the year to Q2 2026, compared with +4.6% for Indiana and +3.0% for the United States.
The region covers ZIP codes 47802–47885. Most of its 2010 population lived in Vigo County (58%), Clay County (14%), Sullivan County (11%). Communities in the region include Brazil, Clinton, North Terre Haute, Sullivan, Rockville. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +7.5%
- 5-year change
- +55.4%
- Since Q1 1995
- +197%
- National rank (1 year)
- 63rd
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 478 vs Indiana and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 478: 296.7
- Indiana: 319.8
- Terre Haute, IN metro: 296.0
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 478 | IN | U.S. | Gap vs IN | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +7.5% | +4.6% | +3.0% | +2.9 pts | +4.4 pts |
| 3 years | +22.5% | +16.2% | +12.9% | +6.3 pts | +9.7 pts |
| 5 years | +55.4% | +46.7% | +41.3% | +8.8 pts | +14.1 pts |
| 10 years | +102% | +104% | +93.3% | −1.2 pts | +9.1 pts |
| Since Q1 1995 | +197% | +220% | +292% | −23.1 pts | −94.8 pts |
If you bought in ZIP3 478 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 | +193% | $877,667 |
| Q2 2000 | +151% | $754,475 |
| Q2 2005 | +116% | $646,662 |
| Q2 2010 | +112% | $637,218 |
| Q2 2015 | +107% | $621,990 |
| Q2 2020 | +71.7% | $515,122 |
| Q2 2021 | +55.4% | $466,232 |
| Q2 2023 | +22.5% | $367,625 |
| Q2 2025 | +7.4% | $322,347 |
How ZIP3 478 ranks
Over the past year ZIP3 478 ranks 63rd of 882 3-digit ZIP regions nationally and 2nd of 20 in Indiana. Its one-year change is +4.4 pts versus the nation and +2.9 pts versus Indiana. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Indiana |
|---|---|---|
| 1 year | 63rd of 882 | 2nd of 20 |
| 3 years | 122nd of 882 | 3rd of 20 |
| 5 years | 112th of 882 | 2nd of 20 |
| 10 years | 279th of 882 | 11th of 20 |
| Since Q1 1995 | 795th of 879 | 20th of 20 |
Boom, bust, and recovery in ZIP3 478
ZIP3 478's index peaked in Q3 2007, fell 6.9% to its low in Q1 2010, and regained its peak in Q1 2015, about 7.5 years after the top. Today it sits +103% 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 478 | Q3 2007 | Q1 2010 | -6.9% | Q1 2015 (7.5 yrs) | +103% |
| IN | Q1 2008 | Q2 2011 | -7.3% | Q3 2015 (7.5 yrs) | +110% |
| Metro | Q3 2007 | Q1 2010 | -6.5% | Q1 2015 (7.5 yrs) | +103% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 478's index has changed +34.0% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 478 after inflation | IN after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +3.5% | +0.7% | +3.7% | -0.8% |
| 3 years | +9.8% | +11.6% | +5.8% | +11.7% | +2.8% |
| 5 years | +24.0% | +25.3% | +18.3% | +25.4% | +13.9% |
| 10 years | +39.1% | +45.6% | +46.4% | +45.1% | +39.0% |
| Since Q1 1995 | +121% | +34.0% | +44.5% | +33.7% | +76.8% |
Estimate appreciation for a home in ZIP3 478
Regional estimate
$607,349
- Estimated gain
- $307,349
- Index change
- +102%
- Start index
- 146.56
- End index
- 296.71
ZIP3 478 (Terre Haute, IN 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 |
|---|---|---|---|---|
| 474 · Bloomington, IN area | IN | +2.1% | +38.3% | +252% |
| 619 · Charleston, IL area | IL | +8.0% | +45.5% | +156% |
| 624 · Effingham, IL area | IL | +13.4% | +48.0% | +220% |
| 461 · Greenwood, IN area | IN | +3.2% | +45.8% | +213% |
| 618 · Champaign, IL area | IL | +7.4% | +49.4% | +201% |
| 462 · Indianapolis, IN area | IN | +1.7% | +37.2% | +216% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 296.71 |
| Q1 2026 | 284.39 |
| Q4 2025 | 281.72 |
| Q3 2025 | 284.27 |
| Q2 2025 | 276.14 |
| Q1 2025 | 273.02 |
| Q4 2024 | 265.97 |
| Q3 2024 | 264.45 |
| Q2 2024 | 257.31 |
| Q1 2024 | 246.45 |
| Q4 2023 | 247.40 |
| Q3 2023 | 244.19 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 478?
- Based on FHFA HPI® data for 3-digit ZIP region 478, the regional index changed +7.5% over the year to Q2 2026, +55.4% over five years, +102% over ten years, and +197% since Q1 1995.
- Is ZIP3 478 appreciating faster than Indiana and the U.S.?
- Over the past year the region's index +7.5% compares with +4.6% for Indiana and +3.0% for the U.S., a gap of +4.4 pts versus the nation. Over five years the gap versus the nation is +14.1 pts.
- Which ZIP codes are in 3-digit ZIP region 478?
- All ZIP codes that begin with 478. Census 2010 ZIP Code Tabulation Areas in this region run from 47802 to 47885 (44 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.