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ZIP 56538
Housing & Real Estate

ZIP 56538 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 56538

Median Home Value

$168,700

Median Rent

$791

Affordability Snapshot

$46,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,084/mo PITI).

23%

Rent-to-Income Ratio

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

4.1x

Home Price-to-Income Ratio

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

17.8 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 56538, a household would need roughly $46,000 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 $1,084. That is roughly in line with the local median household income ($41,078). 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

62.4%-5% vs US avg

Vacancy Rate

6.2%-40% vs US avg

Broadband Access

82.3%-5% vs US avg

4+ Bedrooms

8.1%-45% vs US avg

Built Pre-1939

5.8%-55% vs US avg

Built Post-2014

0.0%

Rent Burden >30%

21.7%-56% vs US avg

Mortgage-Free

44.3%+16% vs US avg

$168,700

Home Value

$791

Rent

1970

Year Built

2016

Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

1-unit detached59.6%
1-unit attached5.9%
2-9 units14.4%
10+ units18.7%
Mobile home & other1.5%

ZIP 56538 — Housing & Real Estate

Housing & Real Estate in ZIP Code 56538

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