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Onalaska city, WI

ZIP 54650 — 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 54650

Median Home Value
$279,100
Median Rent
$932
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,793/mo PITI).

13%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

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

25.0 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 54650 in Onalaska city, WI, a household would need roughly $77,000 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 $1,793. That is roughly in line with the local median household income ($85,255). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
67.8%+4% vs US avg
x
Vacancy Rate
3.7%-64% vs US avg
x
Broadband Access
89.4%+3% vs US avg
x
4+ Bedrooms
6.0%-59% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
13.0%-74% vs US avg
x
Mortgage-Free
42.4%+11% vs US avg
x
$279,100
Home Value
$932
Rent
1988
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached60.8%
  • 1-unit attached9.0%
  • 2-9 units10.8%
  • 10+ units14.2%
  • Mobile home & other5.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$279,100
Median rent$932
Owner-occupied67.8%
Vacant3.7%
Price-to-income3.3x
Est. income to buy$77,000