3-digit ZIP regional index
Home appreciation in ZIP codes 539xxBeaver Dam, WI area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 539 changed +7.7% over the year to Q2 2026, compared with +5.6% for Wisconsin and +3.0% for the United States.
The region covers ZIP codes 53901–53969. Most of its 2010 population lived in Columbia County (24%), Sauk County (23%), Dodge County (20%). Communities in the region include Baraboo, Waupun, Portage, Reedsburg, Columbus. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +7.7%
- 5-year change
- +62.5%
- Since Q1 1995
- +300%
- National rank (1 year)
- 57th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 539 vs Wisconsin and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 539: 400.4
- Wisconsin: 363.5
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 539 | WI | U.S. | Gap vs WI | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +7.7% | +5.6% | +3.0% | +2.1 pts | +4.7 pts |
| 3 years | +25.1% | +20.9% | +12.9% | +4.2 pts | +12.3 pts |
| 5 years | +62.5% | +54.0% | +41.3% | +8.5 pts | +21.2 pts |
| 10 years | +114% | +106% | +93.3% | +8.7 pts | +21.1 pts |
| Since Q1 1995 | +300% | +264% | +292% | +36.9 pts | +8.9 pts |
If you bought in ZIP3 539 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 | +284% | $1,151,596 |
| Q2 2000 | +192% | $877,451 |
| Q2 2005 | +118% | $653,446 |
| Q2 2010 | +120% | $659,763 |
| Q2 2015 | +124% | $671,641 |
| Q2 2020 | +80.3% | $540,778 |
| Q2 2021 | +62.5% | $487,393 |
| Q2 2023 | +25.1% | $375,337 |
| Q2 2025 | +7.7% | $323,102 |
How ZIP3 539 ranks
Over the past year ZIP3 539 ranks 57th of 882 3-digit ZIP regions nationally and 1st of 18 in Wisconsin. Its one-year change is +4.7 pts versus the nation and +2.1 pts versus Wisconsin. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Wisconsin |
|---|---|---|
| 1 year | 57th of 882 | 1st of 18 |
| 3 years | 37th of 882 | 2nd of 18 |
| 5 years | 28th of 882 | 3rd of 18 |
| 10 years | 140th of 882 | 4th of 18 |
| Since Q1 1995 | 309th of 879 | 7th of 18 |
Boom, bust, and recovery in ZIP3 539
ZIP3 539's index peaked in Q1 2007, fell 13.6% to its low in Q4 2013, and regained its peak in Q3 2017, about 10.5 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 539 | Q1 2007 | Q4 2013 | -13.6% | Q3 2017 (10.5 yrs) | +102% |
| WI | Q1 2008 | Q1 2014 | -11.9% | Q2 2017 (9.2 yrs) | +97.4% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 539's index has changed +80.8% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 539 after inflation | WI after inflation | U.S. after inflation |
|---|---|---|---|---|
| 1 year | +3.9% | +3.7% | +1.7% | -0.8% |
| 3 years | +9.8% | +13.9% | +10.1% | +2.8% |
| 5 years | +24.0% | +31.0% | +24.1% | +13.9% |
| 10 years | +39.1% | +54.2% | +47.9% | +39.0% |
| Since Q1 1995 | +121% | +80.8% | +64.2% | +76.8% |
Estimate appreciation for a home in ZIP3 539
Regional estimate
$643,367
- Estimated gain
- $343,367
- Index change
- +114%
- Start index
- 186.71
- End index
- 400.41
ZIP3 539 (Beaver Dam, WI 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 |
|---|---|---|---|---|
| 537 · Madison, WI area | WI | +4.0% | +50.5% | +308% |
| 535 · Janesville, WI area | WI | +5.2% | +50.9% | +256% |
| 549 · Appleton, WI area | WI | +5.3% | +58.7% | +240% |
| 530 · Sheboygan, WI area | WI | +6.5% | +53.5% | +241% |
| 546 · La Crosse, WI area | WI | +5.3% | +52.6% | +312% |
| 538 · Platteville, WI area | WI | +4.9% | +59.2% | +290% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 400.41 |
| Q1 2026 | 380.20 |
| Q4 2025 | 379.80 |
| Q3 2025 | 370.77 |
| Q2 2025 | 371.78 |
| Q1 2025 | 370.78 |
| Q4 2024 | 353.42 |
| Q3 2024 | 352.36 |
| Q2 2024 | 345.73 |
| Q1 2024 | 336.00 |
| Q4 2023 | 331.76 |
| Q3 2023 | 327.08 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 539?
- Based on FHFA HPI® data for 3-digit ZIP region 539, the regional index changed +7.7% over the year to Q2 2026, +62.5% over five years, +114% over ten years, and +300% since Q1 1995.
- Is ZIP3 539 appreciating faster than Wisconsin and the U.S.?
- Over the past year the region's index +7.7% compares with +5.6% for Wisconsin and +3.0% for the U.S., a gap of +4.7 pts versus the nation. Over five years the gap versus the nation is +21.2 pts.
- Which ZIP codes are in 3-digit ZIP region 539?
- All ZIP codes that begin with 539. Census 2010 ZIP Code Tabulation Areas in this region run from 53901 to 53969 (45 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.