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Wisconsin Rapids city, WI

ZIP 54495 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 54495

Median Home Value
$117,900
Median Rent
$619
Affordability Snapshot
$32,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$757/mo PITI).

15%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.9 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 54495 in Wisconsin Rapids city, WI, a household would need roughly $32,000 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 $757. That sits below the local median household income ($49,476), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
56.1%-14% vs US avg
x
Vacancy Rate
5.8%-44% vs US avg
x
Broadband Access
89.8%+3% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
9.8%-24% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
20.9%-58% vs US avg
x
Mortgage-Free
43.1%+13% vs US avg
x
$117,900
Home Value
$619
Rent
1968
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached63.8%
  • 1-unit attached2.2%
  • 2-9 units16.1%
  • 10+ units14.5%
  • Mobile home & other3.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$117,900
Median rent$619
Owner-occupied56.1%
Vacant5.8%
Price-to-income2.4x
Est. income to buy$32,000