3-digit ZIP regional index
Home appreciation in ZIP codes 545xxRhinelander, WI area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 545 changed +5.5% over the year to Q2 2026, compared with +5.6% for Wisconsin and +3.0% for the United States.
The region covers ZIP codes 54501–54568. Most of its 2010 population lived in Oneida County (37%), Vilas County (24%), Price County (14%). Communities in the region include Park Falls, Lac du Flambeau, Crandon, Hurley, Phillips. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +5.5%
- 5-year change
- +70.4%
- Since Q1 1995
- +327%
- National rank (1 year)
- 206th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 545 vs Wisconsin and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 545: 426.5
- 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 545 | WI | U.S. | Gap vs WI | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +5.5% | +5.6% | +3.0% | −0.0 pts | +2.5 pts |
| 3 years | +27.6% | +20.9% | +12.9% | +6.7 pts | +14.8 pts |
| 5 years | +70.4% | +54.0% | +41.3% | +16.4 pts | +29.1 pts |
| 10 years | +114% | +106% | +93.3% | +8.2 pts | +20.6 pts |
| Since Q1 1995 | +327% | +264% | +292% | +63.0 pts | +35.0 pts |
If you bought in ZIP3 545 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 | +329% | $1,287,025 |
| Q2 2000 | +203% | $909,554 |
| Q2 2005 | +116% | $647,944 |
| Q2 2010 | +107% | $619,642 |
| Q2 2015 | +115% | $643,836 |
| Q2 2020 | +89.4% | $568,138 |
| Q2 2021 | +70.4% | $511,211 |
| Q2 2023 | +27.6% | $382,930 |
| Q2 2025 | +5.5% | $316,644 |
How ZIP3 545 ranks
Over the past year ZIP3 545 ranks 206th of 882 3-digit ZIP regions nationally and 8th of 18 in Wisconsin. Its one-year change is +2.5 pts versus the nation and −0.0 pts versus Wisconsin. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Wisconsin |
|---|---|---|
| 1 year | 206th of 882 | 8th of 18 |
| 3 years | 7th of 882 | 1st of 18 |
| 5 years | 2nd of 882 | 1st of 18 |
| 10 years | 147th of 882 | 5th of 18 |
| Since Q1 1995 | 214th of 879 | 2nd of 18 |
Boom, bust, and recovery in ZIP3 545
ZIP3 545's index peaked in Q2 2008, fell 15.4% to its low in Q1 2014, and regained its peak in Q1 2020, about 11.8 years after the top. Today it sits +91.2% 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 545 | Q2 2008 | Q1 2014 | -15.4% | Q1 2020 (11.8 yrs) | +91.2% |
| 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 545's index has changed +92.6% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 545 after inflation | WI after inflation | U.S. after inflation |
|---|---|---|---|---|
| 1 year | +3.9% | +1.6% | +1.7% | -0.8% |
| 3 years | +9.8% | +16.2% | +10.1% | +2.8% |
| 5 years | +24.0% | +37.4% | +24.1% | +13.9% |
| 10 years | +39.1% | +53.8% | +47.9% | +39.0% |
| Since Q1 1995 | +121% | +92.6% | +64.2% | +76.8% |
Estimate appreciation for a home in ZIP3 545
Regional estimate
$641,898
- Estimated gain
- $341,898
- Index change
- +114%
- Start index
- 199.34
- End index
- 426.52
ZIP3 545 (Rhinelander, 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 |
|---|---|---|---|---|
| 544 · Wausau, WI area | WI | +3.7% | +55.0% | +245% |
| 499 · Houghton, MI area | MI | +5.6% | +57.9% | +272% |
| 548 · Superior, WI area | WI | +5.3% | +58.6% | +369% |
| 541 · De Pere, WI area | WI | +3.8% | +59.8% | +270% |
| 547 · Eau Claire, WI area | WI | +3.1% | +48.6% | +319% |
| 498 · Marquette, MI area | MI | +6.8% | +66.2% | +305% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 426.52 |
| Q1 2026 | 412.83 |
| Q4 2025 | 401.83 |
| Q3 2025 | 415.44 |
| Q2 2025 | 404.10 |
| Q1 2025 | 396.49 |
| Q4 2024 | 387.57 |
| Q3 2024 | 389.82 |
| Q2 2024 | 373.60 |
| Q1 2024 | 359.36 |
| Q4 2023 | 348.15 |
| Q3 2023 | 356.45 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 545?
- Based on FHFA HPI® data for 3-digit ZIP region 545, the regional index changed +5.5% over the year to Q2 2026, +70.4% over five years, +114% over ten years, and +327% since Q1 1995.
- Is ZIP3 545 appreciating faster than Wisconsin and the U.S.?
- Over the past year the region's index +5.5% compares with +5.6% for Wisconsin and +3.0% for the U.S., a gap of +2.5 pts versus the nation. Over five years the gap versus the nation is +29.1 pts.
- Which ZIP codes are in 3-digit ZIP region 545?
- All ZIP codes that begin with 545. Census 2010 ZIP Code Tabulation Areas in this region run from 54501 to 54568 (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.