Real Estate Investing in Valders, Wisconsin (54245)

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

Manitowoc County • Population: 2,020 • Data updated: September 2026

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Should you buy in 54245 (Valders, WI)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (61/100)

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: 13.2% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 28.0 — 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 Valders, WI (54245)?

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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 $336,187
Avg Monthly Rent $999
1% Rule ✗ Does Not Meet
Median Income $85,197
% Renters 16.2%

Market Analysis: 54245 Valders

ZIP 54245 inside Manitowoc County looks affordable on the surface — median value of $336K — but the discount exists for reasons that a careful buyer should understand before committing.

For an experienced owner, 54245 can be a a credible choice for hunting ground — but the discount at $336K reflects genuine risk that outside investors often underestimate.

Regionally, 54245 sits on the difficult end of the WI spectrum. The an appealing option for read — for disciplined operators — is that pricing reflects the difficulty.

Demographically, 54245 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

leans 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 Valders:

C+ Average
Buy Confidence Score: 68/100
Affordability
15/25
Appreciation
25/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.9× the median income
Value Trend
Rising (+11.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $999/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Manitowoc, WI Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
7.1%
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 Manitowoc, WI metro data

Market Trends

Home Value History (with trend line)

$351K$308K$264K$221K$177K$134KJul 2006Jul 2016Jul 2026

📊 How Does 54245 Compare?

Metric 54245 Valders Manitowoc, WI Wisconsin
Home Value $336,187 $336,187 N/A $320,446
5-Year CAGR 7.5% 7.5% N/A 7.3%
Avg Rent $999 $999 N/A -
Cap Rate 2.3% 2.3% - -
💡 Why Invest in 54245? Click to expand

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

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 54245 (Valders, WI). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.3%
Low
5yr Growth
+7.5%
Strong

📉 Market Crash Risk Index

Based on Manitowoc, WI metro

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

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $336,187
Monthly Rent $999
Price-to-Rent 28.0:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.6%
Cap Rate 2.3%
5-Year IRR 9.8%

📈 Home Appreciation

1-Year +11.1% ▲
3-Year CAGR +8.2% ▲
5-Year CAGR +7.5% ▲
10-Year CAGR +7.4% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.3%). 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
13.2%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+7.5%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 54245

Population: 2,020

💰 Median Household Income
$85,197
This area
$85,197
State
$73,177
USA
$74,580
🏠 Renter Occupied
16.2%
This area
16.2%
State
22.0%
USA
34.0%
💼 Unemployment Rate
0.8%
This area
0.8%
State
-1.8%
USA
3.7%
🎓 College Educated
18.8%
This area
18.8%
State
17.1%
USA
33.7%
👤 Median Age
46.3 years
This area
46.3 years
State
35.3 years
USA
38.9 years
🏚️ Vacancy Rate
13.2%
This area
13.2%
State
17.1%
USA
10.5%
👥 Population by Ethnicity
White 94.2%
Other/Mixed 5.4%
Hispanic/Latino 3.4%
Asian 0.4%
👶 Under 18
18.0%
This area
18.0%
USA
22.0%
👴 65 and Over
17.2%
This area
17.2%
USA
17.3%
📊 Poverty Rate
2.1%
This area
2.1%
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 54245

A Avg School Grade
3 Schools
13.7:1 Avg Class Size
$15,760 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Valders High

📚 09 – 12 High School
👥
286 Students
👨‍🏫
11.5:1 Class Size
💰
$15,760 Per Student
B+ Above Average

Valders Middle

📚 05 – 08 School
👥
262 Students
👨‍🏫
12.3:1 Class Size
💰
$15,760 Per Student
B+ Above Average

Valders Elementary

📚 Pre-K – 04 Elementary
👥
407 Students
👨‍🏫
17.4:1 Class Size
💰
$15,760 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 1,201 Off-Campus Students
C
Lakeshore Technical College
2,981 students · 10.0 mi
C
Lakeland University
2,786 students · 12.9 mi

Investor Insight: With 1,201 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How much is rent in Valders, WI?

Rents in Valders, WI run near $999/mo. Compared with median home prices of $336K that produces solid gross yields for typical rentals.

Are there empty rentals in Valders, WI?

Vacancy in Valders, WI is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $999/mo.

Which real estate strategy fits Valders, WI?

Investors who focus on careful cash-flow rentals with hands-on management typically do well in Valders, WI. The numbers - $336K homes against $999/mo rents - support that play.

What does house hacking look like in Valders, WI?

For house hackers, Valders, WI is a challenging. The $999/mo rent on a unit helps defray the mortgage on a $336K property.

Are tenants stable in Valders, WI?

Valders, WI draws a consistent base of working renters. Demand at the $999/mo rent level is reasonable for standard single-family and small multi rentals.

You know 54245 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 54245 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 54245 ranks in Manitowoc, WI

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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