3-digit ZIP regional index
Home appreciation in ZIP codes 546xxLa Crosse, WI area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 546 changed +5.3% over the year to Q2 2026, compared with +5.6% for Wisconsin and +3.0% for the United States.
The region covers ZIP codes 54601–54670. Most of its 2010 population lived in La Crosse County (47%), Monroe County (18%), Vernon County (12%). Communities in the region include Onalaska, Sparta, Tomah, Holmen, West Salem. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +5.3%
- 5-year change
- +52.6%
- Since Q1 1995
- +312%
- National rank (1 year)
- 239th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 546 vs Wisconsin and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 546: 411.7
- Wisconsin: 363.5
- La Crosse-Onalaska, WI-MN metro: 403.6
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 546 | WI | U.S. | Gap vs WI | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +5.3% | +5.6% | +3.0% | −0.3 pts | +2.2 pts |
| 3 years | +21.5% | +20.9% | +12.9% | +0.6 pts | +8.7 pts |
| 5 years | +52.6% | +54.0% | +41.3% | −1.3 pts | +11.4 pts |
| 10 years | +99.7% | +106% | +93.3% | −6.1 pts | +6.4 pts |
| Since Q1 1995 | +312% | +264% | +292% | +48.2 pts | +20.2 pts |
If you bought in ZIP3 546 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 | +298% | $1,193,622 |
| Q2 2000 | +204% | $911,961 |
| Q2 2005 | +132% | $695,316 |
| Q2 2010 | +118% | $653,316 |
| Q2 2015 | +106% | $619,159 |
| Q2 2020 | +67.0% | $500,937 |
| Q2 2021 | +52.6% | $457,908 |
| Q2 2023 | +21.5% | $364,580 |
| Q2 2025 | +5.3% | $315,801 |
How ZIP3 546 ranks
Over the past year ZIP3 546 ranks 239th of 882 3-digit ZIP regions nationally and 11th of 18 in Wisconsin. Its one-year change is +2.2 pts versus the nation and −0.3 pts versus Wisconsin. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Wisconsin |
|---|---|---|
| 1 year | 239th of 882 | 11th of 18 |
| 3 years | 151st of 882 | 9th of 18 |
| 5 years | 183rd of 882 | 13th of 18 |
| 10 years | 325th of 882 | 15th of 18 |
| Since Q1 1995 | 270th of 879 | 4th of 18 |
Boom, bust, and recovery in ZIP3 546
ZIP3 546's index peaked in Q2 2008, fell 3.1% to its low in Q2 2011, and regained its peak in Q2 2014, about 6 years after the top. Today it sits +113% 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 546 | Q2 2008 | Q2 2011 | -3.1% | Q2 2014 (6 yrs) | +113% |
| WI | Q1 2008 | Q1 2014 | -11.9% | Q2 2017 (9.2 yrs) | +97.4% |
| Metro | Q2 2008 | Q2 2011 | -2.8% | Q2 2013 (5 yrs) | +112% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 546's index has changed +86.0% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 546 after inflation | WI after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +1.4% | +1.7% | +1.1% | -0.8% |
| 3 years | +9.8% | +10.7% | +10.1% | +8.6% | +2.8% |
| 5 years | +24.0% | +23.1% | +24.1% | +21.0% | +13.9% |
| 10 years | +39.1% | +43.6% | +47.9% | +40.7% | +39.0% |
| Since Q1 1995 | +121% | +86.0% | +64.2% | +82.3% | +76.8% |
Estimate appreciation for a home in ZIP3 546
Regional estimate
$599,040
- Estimated gain
- $299,040
- Index change
- +99.68%
- Start index
- 206.19
- End index
- 411.72
ZIP3 546 (La Crosse, 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 |
|---|---|---|---|---|
| 521 · Decorah, IA area | IA | +3.1% | +39.6% | +239% |
| 559 · Rochester, MN area | MN | +3.1% | +35.4% | +258% |
| 547 · Eau Claire, WI area | WI | +3.1% | +48.6% | +319% |
| 538 · Platteville, WI area | WI | +4.9% | +59.2% | +290% |
| 539 · Beaver Dam, WI area | WI | +7.7% | +62.5% | +300% |
| 544 · Wausau, WI area | WI | +3.7% | +55.0% | +245% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 411.72 |
| Q1 2026 | 395.44 |
| Q4 2025 | 393.34 |
| Q3 2025 | 392.24 |
| Q2 2025 | 391.12 |
| Q1 2025 | 377.96 |
| Q4 2024 | 367.71 |
| Q3 2024 | 374.06 |
| Q2 2024 | 365.52 |
| Q1 2024 | 365.18 |
| Q4 2023 | 357.39 |
| Q3 2023 | 351.77 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 546?
- Based on FHFA HPI® data for 3-digit ZIP region 546, the regional index changed +5.3% over the year to Q2 2026, +52.6% over five years, +99.7% over ten years, and +312% since Q1 1995.
- Is ZIP3 546 appreciating faster than Wisconsin and the U.S.?
- Over the past year the region's index +5.3% compares with +5.6% for Wisconsin and +3.0% for the U.S., a gap of +2.2 pts versus the nation. Over five years the gap versus the nation is +11.4 pts.
- Which ZIP codes are in 3-digit ZIP region 546?
- All ZIP codes that begin with 546. Census 2010 ZIP Code Tabulation Areas in this region run from 54601 to 54670 (54 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.