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Mattoon village, WI

ZIP 54450 — 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 54450

Median Home Value
$82,900
Median Rent
$629
Affordability Snapshot
$23,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$533/mo PITI).

11%
Rent-to-Income Ratio

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

1.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

11.0 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 54450 in Mattoon village, WI, a household would need roughly $23,000 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 $533. That sits below the local median household income ($70,500), 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 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.0%+22% vs US avg
x
Vacancy Rate
17.8%+73% vs US avg
x
Broadband Access
93.3%+7% vs US avg
x
4+ Bedrooms
19.6%+33% vs US avg
x
Built Pre-1939
11.0%-14% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
27.8%-44% vs US avg
x
Mortgage-Free
55.6%+45% vs US avg
x
$82,900
Home Value
$629
Rent
1940
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached86.8%
  • 1-unit attached0.9%
  • 2-9 units12.3%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$82,900
Median rent$629
Owner-occupied80.0%
Vacant17.8%
Price-to-income1.2x
Est. income to buy$23,000