3-digit ZIP regional index
Home appreciation in ZIP codes 845xxPrice, UT area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 845 changed +1.2% over the year to Q2 2026, compared with +2.6% for Utah and +3.0% for the United States.
The region covers ZIP codes 84501–84542. Most of its 2010 population lived in Carbon County (38%), San Juan County (25%), Emery County (20%). Communities in the region include Moab, Blanding, Helper, Huntington, Monticello. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +1.2%
- 5-year change
- +43.5%
- Since Q1 1995
- +374%
- National rank (1 year)
- 751st
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 845 vs Utah and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 845: 473.9
- Utah: 469.5
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 845 | UT | U.S. | Gap vs UT | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +1.2% | +2.6% | +3.0% | −1.4 pts | −1.8 pts |
| 3 years | +11.9% | +9.6% | +12.9% | +2.3 pts | −0.9 pts |
| 5 years | +43.5% | +34.3% | +41.3% | +9.1 pts | +2.2 pts |
| 10 years | +125% | +121% | +93.3% | +4.2 pts | +31.8 pts |
| Since Q1 1995 | +374% | +370% | +292% | +4.4 pts | +82.4 pts |
If you bought in ZIP3 845 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 | +367% | $1,401,025 |
| Q2 2000 | +274% | $1,120,997 |
| Q2 2005 | +194% | $883,300 |
| Q2 2010 | +155% | $766,365 |
| Q2 2015 | +134% | $701,965 |
| Q2 2020 | +70.5% | $511,516 |
| Q2 2021 | +43.5% | $430,380 |
| Q2 2023 | +11.9% | $335,733 |
| Q2 2025 | +1.2% | $303,639 |
How ZIP3 845 ranks
Over the past year ZIP3 845 ranks 751st of 882 3-digit ZIP regions nationally and 6th of 7 in Utah. Its one-year change is −1.8 pts versus the nation and −1.4 pts versus Utah. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Utah |
|---|---|---|
| 1 year | 751st of 882 | 6th of 7 |
| 3 years | 642nd of 882 | 1st of 7 |
| 5 years | 482nd of 882 | 1st of 7 |
| 10 years | 65th of 882 | 3rd of 7 |
| Since Q1 1995 | 125th of 879 | 2nd of 7 |
Boom, bust, and recovery in ZIP3 845
ZIP3 845's index peaked in Q1 2008, fell 21.4% to its low in Q2 2011, and regained its peak in Q1 2017, about 9 years after the top. Today it sits +115% 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 845 | Q1 2008 | Q2 2011 | -21.4% | Q1 2017 (9 yrs) | +115% |
| UT | Q4 2007 | Q2 2011 | -21.9% | Q2 2016 (8.5 yrs) | +126% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 845's index has changed +114% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 845 after inflation | UT after inflation | U.S. after inflation |
|---|---|---|---|---|
| 1 year | +3.9% | -2.5% | -1.2% | -0.8% |
| 3 years | +9.8% | +1.9% | -0.2% | +2.8% |
| 5 years | +24.0% | +15.7% | +8.3% | +13.9% |
| 10 years | +39.1% | +61.9% | +58.9% | +39.0% |
| Since Q1 1995 | +121% | +114% | +112% | +76.8% |
Estimate appreciation for a home in ZIP3 845
Regional estimate
$675,420
- Estimated gain
- $375,420
- Index change
- +125%
- Start index
- 210.50
- End index
- 473.92
ZIP3 845 (Price, UT area), Q2 2016 to Q2 2026. Index type: Balance of State.
Nearby 3-digit ZIP regions
| 3-digit ZIP region | State | 1 year | 5 years | Since Q1 1995 |
|---|---|---|---|---|
| 815 · Grand Junction, CO area | CO | +8.3% | +45.0% | +386% |
| 846 · Provo, UT area | UT | +3.4% | +36.6% | +358% |
| 814 · Montrose, CO area | CO | -0.7% | +41.0% | +323% |
| 840 · West Jordan, UT area | UT | +3.0% | +33.8% | +359% |
| 813 · Durango, CO area | CO | +6.7% | +53.2% | +374% |
| 841 · Salt Lake City, UT area | UT | +3.2% | +33.8% | +432% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 473.92 |
| Q1 2026 | 469.56 |
| Q4 2025 | 466.80 |
| Q3 2025 | 458.79 |
| Q2 2025 | 468.24 |
| Q1 2025 | 453.12 |
| Q4 2024 | 451.01 |
| Q3 2024 | 453.88 |
| Q2 2024 | 445.89 |
| Q1 2024 | 434.93 |
| Q4 2023 | 436.31 |
| Q3 2023 | 431.70 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 845?
- Based on FHFA HPI® data for 3-digit ZIP region 845, the regional index changed +1.2% over the year to Q2 2026, +43.5% over five years, +125% over ten years, and +374% since Q1 1995.
- Is ZIP3 845 appreciating faster than Utah and the U.S.?
- Over the past year the region's index +1.2% compares with +2.6% for Utah and +3.0% for the U.S., a gap of −1.8 pts versus the nation. Over five years the gap versus the nation is +2.2 pts.
- Which ZIP codes are in 3-digit ZIP region 845?
- All ZIP codes that begin with 845. Census 2010 ZIP Code Tabulation Areas in this region run from 84501 to 84542 (26 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.