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Sturgeon Bay city, WI

ZIP 54235 — 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 54235

Median Home Value
$267,700
Median Rent
$834
Affordability Snapshot
$74,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,720/mo PITI).

15%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

26.7 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 54235 in Sturgeon Bay city, WI, a household would need roughly $74,000 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 $1,720. That is roughly in line with the local median household income ($68,141). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 27% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.2%+17% vs US avg
x
Vacancy Rate
26.9%+162% vs US avg
x
Broadband Access
88.1%+1% vs US avg
x
4+ Bedrooms
3.2%-79% vs US avg
x
Built Pre-1939
6.4%-50% vs US avg
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
10.9%-78% vs US avg
x
Mortgage-Free
49.4%+29% vs US avg
x
$267,700
Home Value
$834
Rent
1978
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 attached1.7%
  • 2-9 units10.4%
  • 10+ units5.5%
  • Mobile home & other8.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$267,700
Median rent$834
Owner-occupied76.2%
Vacant26.9%
Price-to-income3.9x
Est. income to buy$74,000