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Racine city, WI

ZIP 53404 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 53404

Median Home Value
$126,800
Median Rent
$813
Affordability Snapshot
$35,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$815/mo PITI).

20%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.0 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 53404 in Racine city, WI, a household would need roughly $35,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $815. That sits below the local median household income ($47,714), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
49.1%-25% vs US avg
x
Vacancy Rate
8.7%-16% vs US avg
x
Broadband Access
84.8%-3% vs US avg
x
4+ Bedrooms
0.7%-95% vs US avg
x
Built Pre-1939
10.8%-16% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
28.4%-43% vs US avg
x
Mortgage-Free
35.7%-6% vs US avg
x
$126,800
Home Value
$813
Rent
1956
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached56.0%
  • 1-unit attached2.8%
  • 2-9 units27.0%
  • 10+ units12.4%
  • Mobile home & other1.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$126,800
Median rent$813
Owner-occupied49.1%
Vacant8.7%
Price-to-income2.7x
Est. income to buy$35,000