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Osceola village, WI

ZIP 54020 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 54020

Median Home Value
$262,100
Median Rent
$842
Affordability Snapshot
$72,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,684/mo PITI).

13%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

25.9 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 54020 in Osceola village, WI, a household would need roughly $72,000 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 $1,684. That is roughly in line with the local median household income ($79,833). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
76.7%+17% vs US avg
x
Vacancy Rate
6.8%-34% vs US avg
x
Broadband Access
86.4%-1% vs US avg
x
4+ Bedrooms
6.3%-58% vs US avg
x
Built Pre-1939
1.1%-92% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
11.9%-76% vs US avg
x
Mortgage-Free
34.3%-10% vs US avg
x
$262,100
Home Value
$842
Rent
1990
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached74.3%
  • 1-unit attached3.3%
  • 2-9 units12.6%
  • 10+ units6.0%
  • Mobile home & other3.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$262,100
Median rent$842
Owner-occupied76.7%
Vacant6.8%
Price-to-income3.3x
Est. income to buy$72,000