Real Estate Investing in Cambria, Wisconsin (53923)

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

Columbia County • Population: 2,294 • Data updated: September 2026

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Should you buy in 53923 (Cambria, WI)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (77/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 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
1 flag
  • High price-to-rent: Price-to-rent ratio 25.2 — 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 Cambria, WI (53923)?

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3.0/ 5

Investability

Overall investment appeal

4.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $296,484
Avg Monthly Rent $981
1% Rule ✗ Does Not Meet
Median Income $68,750
% Renters 22.2%

Market Analysis: 53923 Cambria

On the rental side, ZIP 53923 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $296K median. It rewards specialists, not generalists.

Distressed markets are won on execution, not on spreadsheets. ZIP 53923 registers the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Within WI, ZIP 53923 trails on several market indicators that neighboring Columbia County submarkets outperform. The gap is real and healthy enough to shape underwriting.

A resilient renter share of 22% in 53923 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

trends toward 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.

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 Cambria:

B Good
Buy Confidence Score: 70/100
Affordability
15/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.3× the median income
Value Trend
Rising (+10.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $981/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

Market Trends

Home Value History (with trend line)

$312K$267K$221K$175K$130K$84KMar 2008May 2017Jul 2026

📊 How Does 53923 Compare?

Metric 53923 Cambria Madison, WI Wisconsin
Home Value $296,484 $296,484 N/A $320,446
5-Year CAGR 8.1% 8.1% N/A 7.3%
Avg Rent $981 $981 N/A -
Cap Rate 2.6% 2.6% - -
💡 Why Invest in 53923? 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 53923 (Cambria, WI). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.6%
Low
5yr Growth
+8.1%
Strong

📉 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 $296,484
Monthly Rent $981
Price-to-Rent 25.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.0%
Cap Rate 2.6%
5-Year IRR 10.7%

📈 Home Appreciation

1-Year +10.1% ▲
3-Year CAGR +8.2% ▲
5-Year CAGR +8.1% ▲
10-Year CAGR +7.7% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.6%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.6%). 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
4.8%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+8.1%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 53923

Population: 2,294

💰 Median Household Income
$68,750
This area
$68,750
State
$73,177
USA
$74,580
🏠 Renter Occupied
22.2%
This area
22.2%
State
22.0%
USA
34.0%
💼 Unemployment Rate
1.3%
This area
1.3%
State
-1.8%
USA
3.7%
🎓 College Educated
18.3%
This area
18.3%
State
17.1%
USA
33.7%
👤 Median Age
41.6 years
This area
41.6 years
State
35.3 years
USA
38.9 years
🏚️ Vacancy Rate
4.8%
This area
4.8%
State
17.1%
USA
10.5%
👥 Population by Ethnicity
White 94.9%
Other/Mixed 4.7%
Hispanic/Latino 4.5%
Black/African American 0.2%
Asian 0.1%
👶 Under 18
26.3%
This area
26.3%
USA
22.0%
👴 65 and Over
21.2%
This area
21.2%
USA
17.3%
📊 Poverty Rate
4.4%
This area
4.4%
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 53923

A+ Avg School Grade
2 Schools
11.6:1 Avg Class Size
$22,905 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Cambria Friesland Elementary

📚 Pre-K – 05 Elementary
👥
153 Students
👨‍🏫
11.8:1 Class Size
💰
$22,905 Per Student
A+ Excellent

Cambria Friesland Middle/High

📚 06 – 12 High School
👥
160 Students
👨‍🏫
11.4:1 Class Size
💰
$22,905 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

Where do rents currently stand in Cambria, WI?

The typical rental in Cambria, WI commands about $981/mo monthly. That rent profile stable cash flow against the $296K purchase basis.

What kind of tenants rent in Cambria, WI?

Cambria, WI offers a stable renter base at the $981/mo rent level. Tenant turnover is reasonable for well-managed properties.

Are homes affordable in Cambria, WI?

Cambria, WI median home values land near $296K. That is reasonable territory for investors looking at $981/mo-per-month rentals.

What approach is best for Cambria, WI real estate?

Investors who focus on careful cash-flow rentals with hands-on management typically do well in Cambria, WI. The numbers - $296K homes against $981/mo rents - support that play.

How strict are landlord regulations in Cambria, WI?

Cambria, WI operates under WI law, which is landlord-friendly overall for landlords. Expect steady treatment in typical lease and eviction cases.

You know 53923 now. You don’t know where it ranks.

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How 53923 ranks in Madison, WI

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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