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Ladysmith city, WI

ZIP 54848 — 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 54848

Median Home Value
$138,100
Median Rent
$624
Affordability Snapshot
$38,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$887/mo PITI).

14%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.4 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 54848 in Ladysmith city, WI, a household would need roughly $38,000 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 $887. That sits below the local median household income ($55,328), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
67.2%+3% vs US avg
x
Vacancy Rate
14.2%+38% vs US avg
x
Broadband Access
85.5%-2% vs US avg
x
4+ Bedrooms
3.4%-77% vs US avg
x
Built Pre-1939
6.7%-48% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
27.6%-45% vs US avg
x
Mortgage-Free
44.3%+16% vs US avg
x
$138,100
Home Value
$624
Rent
1973
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached78.4%
  • 1-unit attached0.8%
  • 2-9 units10.0%
  • 10+ units6.0%
  • Mobile home & other4.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$138,100
Median rent$624
Owner-occupied67.2%
Vacant14.2%
Price-to-income2.5x
Est. income to buy$38,000