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Chetek city, WI

ZIP 54728 — 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 54728

Median Home Value
$214,200
Median Rent
$676
Affordability Snapshot
$59,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,376/mo PITI).

11%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

26.4 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 54728 in Chetek city, WI, a household would need roughly $59,000 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 $1,376. That sits below the local median household income ($71,538), 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 31% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.2%+32% vs US avg
x
Vacancy Rate
30.9%+200% vs US avg
x
Broadband Access
88.1%+1% vs US avg
x
4+ Bedrooms
2.1%-85% vs US avg
x
Built Pre-1939
7.0%-46% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
14.2%-72% vs US avg
x
Mortgage-Free
43.8%+15% vs US avg
x
$214,200
Home Value
$676
Rent
1976
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached81.2%
  • 1-unit attached4.7%
  • 2-9 units4.7%
  • 10+ units2.2%
  • Mobile home & other7.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$214,200
Median rent$676
Owner-occupied86.2%
Vacant30.9%
Price-to-income3.0x
Est. income to buy$59,000