ZIP Code 54485 — Summit Lake CDP, WI Demographics & Data

ZIP code 54485 covers Summit Lake, WI in Langlade County with a population of about 432.

At a glance, the area shows median age of 62.0 versus a U.S. median of about 38.9.

It sits in telephone area codes 534, 715; U.S. House district WI-7; the WAUSAU - RHINELANDER media market.

Summit Lake, WI fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 54485 is about $72,292 — about 4% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.9%; unemployment rate near 1.4%; 22.3% of adults with a bachelor’s degree or higher (about 11.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Construction, and Healthcare; about 12.8% of workers reporting work-from-home (about 2.4 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $227,500 — about 35% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 97.5% (about 32.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 54485 in Summit Lake, WI, a household would need roughly $63,000 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 $1,461. That sits below the local median household income ($72,292), 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.

FEMA’s National Risk Index rates natural-hazard risk for Summit Lake CDP, WI as Relatively Low (composite score 49.6), which is near the middle of the national distribution. The strongest component scores on US5 are flood (39.2) and wildfire (20.6). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Summit Lake CDP, WI show little to no average snow.

IRS migration statistics show a net inflow of about 25 for ZIP 54485 (Summit Lake CDP, WI) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.