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Summit Lake CDP, WI

ZIP 54485 — 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 54485

Median Home Value
$227,500
Median Rent
N/A
Affordability Snapshot
$63,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,461/mo PITI).

3.1x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 54485 in Summit Lake CDP, 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.

Housing Tenure

Vacancy rate 57% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
97.5%+49% vs US avg
x
Vacancy Rate
56.9%+452% vs US avg
x
Broadband Access
96.5%+11% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
9.2%-28% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
60.0%+21% vs US avg
x
Mortgage-Free
56.3%+47% vs US avg
x
$227,500
Home Value
N/A
Rent
1977
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached89.5%
  • 1-unit attached0.0%
  • 2-9 units1.5%
  • 10+ units0.0%
  • Mobile home & other9.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$227,500
Median rent$-666,666,666
Owner-occupied97.5%
Vacant56.9%
Price-to-income3.1x
Est. income to buy$63,000