Real Estate Investing in Monticello, Wisconsin (53570)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 53570 (Monticello, WI)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High price-to-rent: Price-to-rent ratio 30.4 — 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 Monticello, WI (53570)?
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Market Analysis: 53570 Monticello
Not every below-median market is a bargain. Monticello's 53570 ZIP comes in at signals that favor experienced operators who can absorb the risk $351K pricing implies.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $351K asset, 53570 is the wrong submarket. If the plan prices in friction, the yield can still work.
Statewide comparisons place 53570 among WI's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
The 53570 ZIP's population of 2,696 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that reports the need for careful underwriting.
looks to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Monticello:
Market Trends
Home Value History (with trend line)
📊 How Does 53570 Compare?
| Metric | 53570 | Monticello | Madison, WI | Wisconsin |
|---|---|---|---|---|
| Home Value | $350,801 | $350,801 | N/A | $320,446 |
| 5-Year CAGR | 7.4% | 7.4% | N/A | 7.3% |
| Avg Rent | $963 | $963 | N/A | - |
| Cap Rate | 2.1% | 2.1% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 53570 (Monticello, WI). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $350,801 |
| Monthly Rent | $963 |
| Price-to-Rent | 30.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.3% |
| Cap Rate | 2.1% |
| 5-Year IRR | 9.6% |
📈 Home Appreciation
| 1-Year | +7.5% ▲ |
| 3-Year CAGR | +6.4% ▲ |
| 5-Year CAGR | +7.4% ▲ |
| 10-Year CAGR | +7.6% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.1%). 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.
Demographics in 53570
Population: 2,696
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 53570
Schools in This ZIP Code
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
Where do home prices stand in Monticello, WI?
Expect median prices around $351K in Monticello, WI. The market has run at a 0.0% 5-year CAGR, so entry costs have been even-keeled.
What approach is best for Monticello, WI real estate?
For Monticello, WI, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
How strong are rents in Monticello, WI?
Rent in Monticello, WI is around $963/mo. The resulting rent-to-value relationship with $351K pricing is reasonable for most investor models.
Is WI a landlord-friendly state?
WI law landlord-friendly for landlords, and Monticello inherits those rules. Investors should still review local ordinances for rental licensing.
Can I house hack in Monticello, WI?
House hacking in Monticello, WI is a challenging. With home values around $351K and rents at $963/mo, owner-occupants can offset a meaningful share of PITI.
You know 53570 now. You don’t know where it ranks.
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How 53570 ranks in Madison, WI
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