ZIP Code 54876 — Reserve CDP, WI Demographics & Data

ZIP code 54876 covers Reserve, WI in Sawyer County with a population of about 1,690.

At a glance, the area shows median age of 55.3 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.

Reserve, WI fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 54876 is about $69,444 — about 8% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.7%; unemployment rate near 3.7%; 23.8% of adults with a bachelor’s degree or higher (about 9.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Construction; about 17.1% of workers reporting work-from-home (about 1.9 points above 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 $262,900 — about 24% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $573 (about 51% below the U.S. median rent ($1,163)), and owner-occupancy near 83.8% (about 18.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 54876 in Reserve, WI, a household would need roughly $72,000 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 $1,689. That is roughly in line with the local median household income ($69,444). 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 Reserve CDP, WI as Relatively Low (composite score 74.5), which is elevated versus much of the country. The strongest component scores on US5 are flood (62.1) and wildfire (17.7). 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 Reserve CDP, WI show little to no average snow and around 40.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 99 for ZIP 54876 (Reserve CDP, 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.