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Sister Bay village, WI

ZIP 54234 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 54234

Median Home Value
$419,600
Median Rent
$972
Affordability Snapshot
$115,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,695/mo PITI).

16%
Rent-to-Income Ratio

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

5.8x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

36.0 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 54234 in Sister Bay village, WI, a household would need roughly $115,000 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 $2,695. That is about 58% above the local median household income ($72,762), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 53% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
68.0%+4% vs US avg
x
Vacancy Rate
53.3%+418% vs US avg
x
Broadband Access
90.3%+4% vs US avg
x
4+ Bedrooms
4.6%-69% vs US avg
x
Built Pre-1939
4.9%-62% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
32.8%-34% vs US avg
x
Mortgage-Free
47.7%+25% vs US avg
x
$419,600
Home Value
$972
Rent
1990
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached57.0%
  • 1-unit attached5.7%
  • 2-9 units23.7%
  • 10+ units13.3%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$419,600
Median rent$972
Owner-occupied68.0%
Vacant53.3%
Price-to-income5.8x
Est. income to buy$115,000