Real Estate Investing in Cedarburg, Wisconsin (53012)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Ozaukee County • Population: 18,870 • Data updated: September 2026

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Should you buy in 53012 (Cedarburg, WI)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (68/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in Cedarburg, WI (53012)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $550,445
Avg Monthly Rent $2,219
1% Rule ✗ Does Not Meet
Median Income $94,079
% Renters 22.6%

Market Analysis: 53012 Cedarburg

The 53012 ZIP covers a section of Cedarburg that demands careful diligence. Prices near $550K look accessible, but the work to make a deal cash flow is real.

For an experienced owner, 53012 can be a a solid fit for hunting ground — but the discount at $550K reflects genuine risk that outside investors often underestimate.

Nearby ZIPs in Cedarburg have seen price recovery that 53012 has not matched. Ozaukee County data supports the view that the spread is structural rather than temporary.

Employment concentration in 53012 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

Distressed ZIPs reward experience. solid returns are possible in 53012, but they flow to investors who already understand how to operate in soft markets.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Cedarburg:

C+ Average
Buy Confidence Score: 66/100
Affordability
10/25
Appreciation
22/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.9× the median income
Value Trend
Rising (+8.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,219/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Milwaukee-Waukesha, WI Metro Area
Even conditions for buyers and sellers
36 days
Average time to sell
Average
7.5%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Milwaukee-Waukesha, WI metro data
🏠

Property Strategy for 53012

Which property type performs best in this market?

Best for Cash Flow
2BR
2.6% cap rate
Best for Appreciation
3BR
+6.6% 5yr CAGR
Best Overall Value
3BR
$153,444/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $352,909 $1,270 2.6% +5.5% $176,454
3BR $460,332 $1,560 2.4% +6.6% $153,444
4BR $617,762 $1,690 2.0% +6.4% $154,440

Market Trends

Home Value History (with trend line)

$573K$508K$444K$380K$316K$252KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$2,280$2,103$1,926$1,750$1,573$1,396Mar 2026May 2026Jul 2026

📊 How Does 53012 Compare?

Metric 53012 Cedarburg Milwaukee-Waukesha, WI Wisconsin
Home Value $550,445 $550,445 N/A $320,446
5-Year CAGR 5.1% 5.1% N/A 7.3%
Avg Rent $2,219 $2,219 N/A -
Cap Rate 3.1% 3.1% - -
💡 Why Invest in 53012? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 53012 (Cedarburg, WI). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.1%
Low
5yr Growth
+5.1%
Moderate

📊 Market Snapshot

Home Value $550,445
Monthly Rent $2,219
Price-to-Rent 20.7:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.8%
Cap Rate 3.1%
5-Year IRR 8.3%

📈 Home Appreciation

1-Year +8.2% ▲
3-Year CAGR +4.2% ▲
5-Year CAGR +5.1% ▲
10-Year CAGR +5.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.1%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
4.1%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.1%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 53012

Population: 18,870

💰 Median Household Income
$94,079
This area
$94,079
State
$73,177
USA
$74,580
🏠 Renter Occupied
22.6%
This area
22.6%
State
22.0%
USA
34.0%
💼 Unemployment Rate
2.2%
This area
2.2%
State
-1.8%
USA
3.7%
🎓 College Educated
52.3%
This area
52.3%
State
17.1%
USA
33.7%
👤 Median Age
45.1 years
This area
45.1 years
State
35.3 years
USA
38.9 years
🏚️ Vacancy Rate
4.1%
This area
4.1%
State
17.1%
USA
10.5%
👥 Population by Ethnicity
White 94.3%
Other/Mixed 4.2%
Hispanic/Latino 2.2%
Asian 1.1%
Black/African American 0.3%
👶 Under 18
21.9%
This area
21.9%
USA
22.0%
👴 65 and Over
21.2%
This area
21.2%
USA
17.3%
📊 Poverty Rate
1.6%
This area
1.6%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 53012

B+ Avg School Grade
6 Schools
15.2:1 Avg Class Size
$14,293 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Parkview Elementary

📚 Pre-K – 05 Elementary
👥
498 Students
👨‍🏫
15.0:1 Class Size
💰
$14,293 Per Student
B+ Above Average

Westlawn Elementary

📚 Pre-K – 05 Elementary
👥
291 Students
👨‍🏫
13.8:1 Class Size
💰
$14,293 Per Student
B+ Above Average

Thorson Elementary

📚 Pre-K – 05 Elementary
👥
552 Students
👨‍🏫
15.7:1 Class Size
💰
$14,293 Per Student
B+ Above Average

Webster Middle

📚 06 – 08 Middle
👥
655 Students
👨‍🏫
15.1:1 Class Size
💰
$14,293 Per Student
B Good

Cedarburg High

📚 09 – 12 High School
👥
1,085 Students
👨‍🏫
16.6:1 Class Size
💰
$14,293 Per Student
C Below Average

Early Childhood

📚 Grade PK Elementary Limited Data
👥
20 Students
💰
$14,293 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

2 Nearby
C+
Concordia University-Wisconsin
5,063 students · 7.4 mi
C
Wisconsin School of Professional Psychology
76 students · 14.4 mi

Frequently Asked Questions

What type of investing works in Cedarburg, WI?

Investors usually favor careful cash-flow rentals with hands-on management in Cedarburg, WI. With home values at $550K and rents near $2,219/mo, other strategies can work but produce even-keeled rather than outsized returns.

What is the typical home price in Cedarburg, WI?

Homes in Cedarburg, WI typically sell near $550K. Prices have moved at a 0.0% 5-year CAGR, which even-keeled long-term demand.

Does Cedarburg, WI make sense for an investment property?

With a 3.0/5 investability score, Cedarburg, WI ranks as a solid market for rental property investors. Median prices of $550K and rents of $2,219/mo drive the underlying numbers.

What are vacancy rates like in Cedarburg, WI?

Cedarburg, WI sees elevated vacancy, which is reasonable relative to the broader WI rental market.

Is WI a landlord-friendly state?

The landlord environment in Cedarburg, WI is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

You know 53012 now. You don’t know where it ranks.

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How 53012 ranks in Milwaukee-Waukesha, WI

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Cash Flow → Appreciation → Affordable →
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