Real Estate Investing in Loyal, Wisconsin (54446)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 54446 (Loyal, 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 29.2 — hard to cash-flow at these prices.
What’s happening in Loyal, WI (54446)?
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Market Analysis: 54446 Loyal
This part of Clark County is not an easy win. The 54446 ZIP records softness in key indicators, and the playbook that works in cleaner markets often stalls here.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $210K asset, 54446 is the wrong submarket. If the plan prices in friction, the yield can still work.
ZIP 54446's metrics run below Clark County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
Put differently, 3,446 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
New investors are better served looking at Loyal's stable or hybrid ZIPs before stepping into 54446. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Loyal:
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 54446 Compare?
| Metric | 54446 | Loyal | Wisconsin |
|---|---|---|---|
| Home Value | $210,270 | $210,270 | $320,446 |
| 5-Year CAGR | 8.1% | 8.1% | 7.3% |
| Avg Rent | $600 | $600 | - |
| Cap Rate | 2.2% | 2.2% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 54446 (Loyal, WI). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $210,270 |
| Monthly Rent | $600 |
| Price-to-Rent | 29.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.4% |
| Cap Rate | 2.2% |
| 5-Year IRR | 10.3% |
📈 Home Appreciation
| 1-Year | +8.7% ▲ |
| 3-Year CAGR | +7.1% ▲ |
| 5-Year CAGR | +8.1% ▲ |
| 10-Year CAGR | +6.7% ▲ |
🏠 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 (2.2%). 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.
Demographics in 54446
Population: 3,446
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 54446
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
How strong are rents in Loyal, WI?
The typical rental in Loyal, WI commands about $600/mo monthly. That rent profile consistent cash flow against the $210K purchase basis.
Is the tenant base reliable in Loyal, WI?
Tenant demand in Loyal, WI is solid. The local workforce $600/mo rents across most rental classes.
How does Loyal, WI rate as a rental market?
Loyal, WI scores 3.0/5 for investability. Home values sit at $210K and rents near $600/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.
What are vacancy rates like in Loyal, WI?
Vacancy in Loyal, WI is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $600/mo.
Does house hacking work in Loyal, WI?
House hacking in Loyal, WI is reasonable to execute. Prices around $210K and rents of $600/mo solid owner-occupant economics.
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