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Algoma city, WI

ZIP 54201 — 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 54201

Median Home Value
$174,800
Median Rent
$692
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,123/mo PITI).

13%
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.

21.1 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 54201 in Algoma city, WI, a household would need roughly $48,000 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 $1,123. That sits below the local median household income ($65,772), 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

Vacancy rate 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.4%+29% vs US avg
x
Vacancy Rate
16.3%+58% vs US avg
x
Broadband Access
85.6%-2% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
9.6%-25% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
19.1%-62% vs US avg
x
Mortgage-Free
48.0%+26% vs US avg
x
$174,800
Home Value
$692
Rent
1967
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached74.3%
  • 1-unit attached2.8%
  • 2-9 units9.5%
  • 10+ units6.5%
  • Mobile home & other7.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$174,800
Median rent$692
Owner-occupied84.4%
Vacant16.3%
Price-to-income2.7x
Est. income to buy$48,000