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Loyal city, WI

ZIP 54446 — 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 54446

Median Home Value
$153,000
Median Rent
$591
Affordability Snapshot
$42,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$983/mo PITI).

10%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.6 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 54446 in Loyal city, WI, a household would need roughly $42,000 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 $983. That sits below the local median household income ($72,422), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
79.9%+22% vs US avg
x
Vacancy Rate
4.7%-54% vs US avg
x
Broadband Access
79.3%-9% vs US avg
x
4+ Bedrooms
8.5%-42% vs US avg
x
Built Pre-1939
5.5%-57% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
13.4%-73% vs US avg
x
Mortgage-Free
47.4%+24% vs US avg
x
$153,000
Home Value
$591
Rent
1970
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached84.6%
  • 1-unit attached0.3%
  • 2-9 units6.5%
  • 10+ units2.8%
  • Mobile home & other5.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$153,000
Median rent$591
Owner-occupied79.9%
Vacant4.7%
Price-to-income2.1x
Est. income to buy$42,000