Real Estate Investing in Howard, Wisconsin (54313)

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

Brown County • Population: 40,959 • Data updated: September 2026

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Should you buy in 54313 (Howard, WI)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (76/100)

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
CLEAN

No major risk flags on the data we track.

What’s happening in Howard, WI (54313)?

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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 $421,618
Avg Monthly Rent $1,543
1% Rule ✗ Does Not Meet
Median Income $107,218
% Renters 17.3%

Market Analysis: 54313 Howard

ZIP 54313 inside Brown County looks affordable on the surface — median value of $422K — but the discount exists for reasons that a careful buyer should understand before committing.

For an experienced owner, 54313 can be a worth a close look for hunting ground — but the discount at $422K reflects genuine risk that outside investors often underestimate.

Regionally, 54313 sits on the difficult end of the WI spectrum. The a viable market for read — for disciplined operators — is that pricing reflects the difficulty.

Resident income in 54313 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

Experienced landlords with local relationships tend to find 54313 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

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 Howard:

B Good
Buy Confidence Score: 73/100
Affordability
15/25
Appreciation
22/25
Stability
13/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.9× the median income
Value Trend
Rising (+6.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,543/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
Green Bay, WI Metro Area
Even conditions for buyers and sellers
53 days
Average time to sell
Average
6.5%
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 Green Bay, WI metro data
🏠

Property Strategy for 54313

Which property type performs best in this market?

Best for Cash Flow
2BR
3.2% cap rate
Best for Appreciation
4BR
+8.4% 5yr CAGR
Best Overall Value
4BR
$119,326/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $283,731 $1,270 3.2% +8.1% $141,865
3BR $395,900 $1,690 3.1% +8.3% $131,967
4BR $477,304 $1,770 2.7% +8.4% $119,326

Market Trends

Home Value History (with trend line)

$442K$383K$325K$266K$207K$148KApr 2006Jun 2016Jul 2026

Rent History (with trend line)

$1,566$1,498$1,430$1,362$1,295$1,227Feb 2026Apr 2026Jun 2026

📊 How Does 54313 Compare?

Metric 54313 Howard Green Bay, WI Wisconsin
Home Value $421,618 $421,618 N/A $320,446
5-Year CAGR 7.0% 7.0% N/A 7.3%
Avg Rent $1,543 $1,543 N/A -
Cap Rate 2.9% 2.9% - -
💡 Why Invest in 54313? 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 →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 54313 (Howard, WI). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.9%
Low
5yr Growth
+7.0%
Strong

📉 Market Crash Risk Index

Based on Green Bay, WI metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
40%
Days Pending
1/2
53 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $421,618
Monthly Rent $1,543
Price-to-Rent 22.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.4%
Cap Rate 2.9%
5-Year IRR 9.9%

📈 Home Appreciation

1-Year +6.7% ▲
3-Year CAGR +6.4% ▲
5-Year CAGR +7.0% ▲
10-Year CAGR +7.3% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.9%). 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
1.9%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+7.0%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 54313

Population: 40,959

💰 Median Household Income
$107,218
This area
$107,218
State
$73,177
USA
$74,580
🏠 Renter Occupied
17.3%
This area
17.3%
State
22.0%
USA
34.0%
💼 Unemployment Rate
1.7%
This area
1.7%
State
-1.8%
USA
3.7%
🎓 College Educated
41.8%
This area
41.8%
State
17.1%
USA
33.7%
👤 Median Age
42.9 years
This area
42.9 years
State
35.3 years
USA
38.9 years
🏚️ Vacancy Rate
1.9%
This area
1.9%
State
17.1%
USA
10.5%
👥 Population by Ethnicity
White 90.4%
Other/Mixed 6.2%
Hispanic/Latino 2.7%
Asian 1.8%
Black/African American 1.5%
👶 Under 18
23.3%
This area
23.3%
USA
22.0%
👴 65 and Over
17.2%
This area
17.2%
USA
17.3%
📊 Poverty Rate
1.5%
This area
1.5%
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 54313

B+ Avg School Grade
12 Schools
15.9:1 Avg Class Size
$16,721 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

King Elementary

📚 Pre-K – 05 Elementary
👥
305 Students
👨‍🏫
14.2:1 Class Size
💰
$18,203 Per Student
A+ Excellent

Lombardi Middle

📚 06 – 08 Middle
👥
692 Students
👨‍🏫
12.3:1 Class Size
💰
$18,203 Per Student
A Very Good

Forest Glen Elementary

📚 Pre-K – 04 Elementary
👥
455 Students
👨‍🏫
11.7:1 Class Size
💰
$16,880 Per Student
A Very Good

Meadowbrook Elementary

📚 Pre-K – 04 Elementary
👥
486 Students
👨‍🏫
12.1:1 Class Size
💰
$16,880 Per Student
A Very Good

Pioneer Elementary

📚 K – 05 Elementary
👥
486 Students
👨‍🏫
14.2:1 Class Size
💰
$15,390 Per Student
B+ Above Average

Bay View Middle

📚 07 – 08 Middle
👥
844 Students
👨‍🏫
13.2:1 Class Size
💰
$16,880 Per Student
B+ Above Average

Lineville Intermediate

📚 05 – 06 School
👥
814 Students
👨‍🏫
12.9:1 Class Size
💰
$16,880 Per Student
B+ Above Average

Suamico Elementary

📚 Pre-K – 04 Elementary
👥
277 Students
👨‍🏫
12.8:1 Class Size
💰
$16,880 Per Student
B Good

Bay Port High

📚 09 – 12 High School
👥
1,951 Students
👨‍🏫
16.9:1 Class Size
💰
$16,880 Per Student
B Good

Lannoye Elementary

📚 Pre-K – 05 Elementary
👥
298 Students
👨‍🏫
15.2:1 Class Size
💰
$13,975 Per Student
C+ Average

New Leaf Prep Academy

📚 K – 08 School Charter
👥
186 Students
👨‍🏫
13.7:1 Class Size
C Below Average

Howard and Suamico 4K Collaborative

📚 Grade PK Elementary
👥
234 Students
👨‍🏫
41.9:1 Class Size
💰
$16,880 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

7 Nearby 5,953 Off-Campus Students
C+
Northeast Wisconsin Technical College
10,815 students · 4.3 mi
C
Academy of Beauty Professionals
84 students · 4.6 mi
C
Rasmussen University-Wisconsin
154 students · 4.6 mi
C
Empire Beauty School-Green Bay
85 students · 7.9 mi
C+
University of Wisconsin-Green Bay
10,326 students · 10.2 mi
C+
Saint Norbert College
2,165 students · 10.2 mi
C
Bellin College
836 students · 12.5 mi

Investor Insight: With 5,953 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Do rentals sit vacant long in Howard, WI?

Rental vacancy in Howard, WI is elevated. Investors should budget normal turnover but not chronic empty units.

What are home prices like in Howard, WI?

The median home value in Howard, WI is roughly $422K. That puts it reasonable relative to the WI statewide average.

What is the average monthly rent in Howard, WI?

Expect rents around $1,543/mo per month in Howard, WI. With home values at $422K, the yield math works out to reasonable levels for rental investors.

Are tenants stable in Howard, WI?

Howard, WI draws a predictable base of working renters. Demand at the $1,543/mo rent level is reasonable for standard single-family and small multi rentals.

Is Howard, WI a good place for real estate investing?

Yes - Howard, WI a 3.0/5 investability score. With $422K home prices against $1,543/mo monthly rent, the market delivers a reasonable entry point for new investors.

You know 54313 now. You don’t know where it ranks.

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How 54313 ranks in Green Bay, WI

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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