Real Estate Investing in Lodi, Wisconsin (53555)

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

Columbia County • Population: 8,708 • Data updated: September 2026

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Should you buy in 53555 (Lodi, WI)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (56/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 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
2 flags
  • High vacancy: 13.4% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 29.4 — hard to cash-flow at these prices.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Lodi, WI (53555)?

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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 $483,002
Avg Monthly Rent $1,368
1% Rule ✗ Does Not Meet
Median Income $109,403
% Renters 15.4%

Market Analysis: 53555 Lodi

The 53555 ZIP in Lodi, WI is a local-operator market. Outside capital chasing a $483K entry has to pair deep knowledge with the discount.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $483K asset, 53555 is the wrong submarket. If the plan prices in friction, the yield can still work.

Stepping back, 53555 offers a low basis, the region around Lodi has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

Employment concentration in 53555 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

Strategy in 53555 is an operator game, not a passive one. From an investor standpoint, entry prices of $483K are inviting, the management lift is real and non-optional.

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 Lodi:

C+ Average
Buy Confidence Score: 69/100
Affordability
15/25
Appreciation
22/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.4× the median income
Value Trend
Rising (+5.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,368/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
Madison, WI Metro Area
Even conditions for buyers and sellers
36 days
Average time to sell
Average
10.5%
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 Madison, WI metro data
🏠

Property Strategy for 53555

Which property type performs best in this market?

Best for Cash Flow
3BR
3.5% cap rate
Best for Appreciation
3BR
+7.1% 5yr CAGR
Best Overall Value
3BR
$141,308/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $339,465 $1,520 3.2% +6.5% $169,733
3BR $423,925 $2,090 3.5% +7.1% $141,308

Market Trends

Home Value History (with trend line)

$509K$447K$384K$322K$259K$197KJul 2006Jul 2016Jul 2026

📊 How Does 53555 Compare?

Metric 53555 Lodi Madison, WI Wisconsin
Home Value $483,002 $483,002 N/A $320,446
5-Year CAGR 5.3% 5.3% N/A 7.3%
Avg Rent $1,368 $1,368 N/A -
Cap Rate 2.2% 2.2% - -
💡 Why Invest in 53555? 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 53555 (Lodi, WI). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.2%
Low
5yr Growth
+5.3%
Moderate

📉 Market Crash Risk Index

Based on Madison, WI metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
32%
Days Pending
0/2
36 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $483,002
Monthly Rent $1,368
Price-to-Rent 29.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.4%
Cap Rate 2.2%
5-Year IRR 7.5%

📈 Home Appreciation

1-Year +5.0% ▲
3-Year CAGR +4.5% ▲
5-Year CAGR +5.3% ▲
10-Year CAGR +6.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.2%). 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
13.4%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.3%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 53555

Population: 8,708

💰 Median Household Income
$109,403
This area
$109,403
State
$73,177
USA
$74,580
🏠 Renter Occupied
15.4%
This area
15.4%
State
22.0%
USA
34.0%
💼 Unemployment Rate
2.1%
This area
2.1%
State
-1.8%
USA
3.7%
🎓 College Educated
35.8%
This area
35.8%
State
17.1%
USA
33.7%
👤 Median Age
47.9 years
This area
47.9 years
State
35.3 years
USA
38.9 years
🏚️ Vacancy Rate
13.4%
This area
13.4%
State
17.1%
USA
10.5%
👥 Population by Ethnicity
White 95.9%
Other/Mixed 2.4%
Asian 1.4%
Hispanic/Latino 0.6%
Black/African American 0.3%
👶 Under 18
20.4%
This area
20.4%
USA
22.0%
👴 65 and Over
22.3%
This area
22.3%
USA
17.3%
📊 Poverty Rate
2.2%
This area
2.2%
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 53555

B+ Avg School Grade
5 Schools
13.3:1 Avg Class Size
$15,390 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Lodi Middle

📚 06 – 08 Middle
👥
326 Students
👨‍🏫
11.7:1 Class Size
💰
$15,390 Per Student
A Very Good

Lodi High

📚 09 – 12 High School
👥
451 Students
👨‍🏫
12.4:1 Class Size
💰
$15,390 Per Student
B+ Above Average

Lodi Elementary

📚 03 – 05 Elementary
👥
239 Students
👨‍🏫
13.2:1 Class Size
💰
$15,390 Per Student
B+ Above Average

Lodi Primary

📚 Pre-K – 02 Elementary
👥
396 Students
👨‍🏫
16.6:1 Class Size
💰
$15,390 Per Student
B Good

Ouisconsing School of Collaboration

📚 03 – 05 Elementary Charter
👥
75 Students
👨‍🏫
12.7:1 Class Size
💰
$15,390 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.

Frequently Asked Questions

Is real estate in Lodi, WI a good investment right now?

Lodi, WI scores 3.0/5 for investability. Home values sit at $483K and rents near $1,368/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

What monthly rent should investors expect in Lodi, WI?

Average rent in Lodi, WI is approximately $1,368/mo per month. Against $483K home values that yields a reasonable rent-to-price ratio.

How should investors approach Lodi, WI?

Most investors in Lodi, WI run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.

How do home values compare in Lodi, WI?

Homes in Lodi, WI typically sell near $483K. Prices have moved at a 0.0% 5-year CAGR, which even-keeled long-term demand.

Are there empty rentals in Lodi, WI?

Vacancy in Lodi, WI is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,368/mo.

You know 53555 now. You don’t know where it ranks.

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How 53555 ranks in Madison, WI

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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