ZIP Code 54814 — Bayfield city, WI Demographics & Data

ZIP code 54814 covers Bayfield, WI in Bayfield County with a population of about 2,811.

At a glance, the area shows median age of 52.8 versus a U.S. median of about 38.9.

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

Median household income in ZIP 54814 is about $62,813 — about 16% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.4%; unemployment rate near 8.3%; 35.0% of adults with a bachelor’s degree or higher (about 1.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Arts and entertainment, and Education; about 14.9% of workers reporting work-from-home (roughly in line with 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 $235,700 — about 32% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $394 (about 66% below the U.S. median rent ($1,163)), and owner-occupancy near 74.5% (about 9.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 54814 in Bayfield, WI, a household would need roughly $65,000 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 $1,514. That is roughly in line with the local median household income ($62,813). 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 Bayfield city, WI as Very Low (composite score 35.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (33.5) and wildfire (17.5). 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 Bayfield city, WI show little to no average snow and around 33.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 164 for ZIP 54814 (Bayfield city, 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.