Real Estate Investing in Wisconsin Rapids, Wisconsin (54495)

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

Wood County • Population: 7,857 • Data updated: September 2026

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Should you buy in 54495 (Wisconsin Rapids, WI)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (81/100)

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.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Wisconsin Rapids, WI (54495)?

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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 $186,598
Avg Monthly Rent $873
1% Rule ✗ Does Not Meet
Median Income $49,149
% Renters 44.8%

Market Analysis: 54495 Wisconsin Rapids

This part of Wood County is not an easy win. The 54495 ZIP registers softness in key indicators, and the playbook that works in cleaner markets often stalls here.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 54495 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

ZIP 54495's metrics run below Wood County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

The 54495 ZIP's population of 7,857 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that comes in at the need for careful underwriting.

Strategically, 54495 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

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 Wisconsin Rapids:

B Good
Buy Confidence Score: 70/100
Affordability
15/25
Appreciation
25/25
Stability
9/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.8× the median income
Value Trend
Rising (+12.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $873/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
Wisconsin Rapids-Marshfield, WI Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
5.6%
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 Wisconsin Rapids-Marshfield, WI metro data

Market Trends

Home Value History (with trend line)

$196K$170K$143K$117K$91K$65KJan 2009Oct 2017Jul 2026

📊 How Does 54495 Compare?

Metric 54495 Wisconsin Rapids Wisconsin Rapids-Marshfield, WI Wisconsin
Home Value $186,598 $215,656 N/A $320,446
5-Year CAGR 9.5% 9.3% N/A 7.3%
Avg Rent $873 $992 N/A -
Cap Rate 3.7% 3.6% - -
💡 Why Invest in 54495? Click to expand

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

A healthy rental market with 45% renter-occupied households ensures tenant availability.

📊 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 54495 (Wisconsin Rapids, WI). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.7%
Low
5yr Growth
+9.5%
Strong

📊 Market Snapshot

Home Value $186,598
Monthly Rent $873
Price-to-Rent 17.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.6%
Cap Rate 3.7%
5-Year IRR 13.2%

📈 Home Appreciation

1-Year +12.1% ▲
3-Year CAGR +9.6% ▲
5-Year CAGR +9.5% ▲
10-Year CAGR +8.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.7%). 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
5.0%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+9.5%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 54495

Population: 7,857

💰 Median Household Income
$49,149
This area
$49,149
State
$73,177
USA
$74,580
🏠 Renter Occupied
44.8%
This area
44.8%
State
22.0%
USA
34.0%
💼 Unemployment Rate
5.3%
This area
5.3%
State
-1.8%
USA
3.7%
🎓 College Educated
12.1%
This area
12.1%
State
17.1%
USA
33.7%
👤 Median Age
35.5 years
This area
35.5 years
State
35.3 years
USA
38.9 years
🏚️ Vacancy Rate
5.0%
This area
5.0%
State
17.1%
USA
10.5%
👥 Population by Ethnicity
White 87.4%
Other/Mixed 7.2%
Asian 4.2%
Hispanic/Latino 3.8%
Black/African American 1.2%
👶 Under 18
24.8%
This area
24.8%
USA
22.0%
👴 65 and Over
14.8%
This area
14.8%
USA
17.3%
📊 Poverty Rate
15.8%
This area
15.8%
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 54495

A Avg School Grade
2 Schools
11.7:1 Avg Class Size
$18,963 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Mead Elementary

📚 Pre-K – 05 Elementary
👥
294 Students
👨‍🏫
9.8:1 Class Size
💰
$18,963 Per Student
A Very Good

Wisconsin Rapids Area Middle

📚 06 – 08 Middle
👥
912 Students
👨‍🏫
13.7:1 Class Size
💰
$18,963 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

1 Nearby 1,569 Off-Campus Students
C+
Mid-State Technical College
2,918 students · 8.4 mi

Investor Insight: With 1,569 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What monthly rent should investors expect in Wisconsin Rapids, WI?

Wisconsin Rapids, WI rentals go for roughly $873/mo a month. That puts gross yield in solid territory relative to $187K acquisition costs.

What is the best play in Wisconsin Rapids, WI?

The best-fit strategy in Wisconsin Rapids, WI is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

How do home values compare in Wisconsin Rapids, WI?

The median home value in Wisconsin Rapids, WI is roughly $187K. That puts it reasonable relative to the WI statewide average.

How landlord-friendly is Wisconsin Rapids, WI?

WI law landlord-friendly for landlords, and Wisconsin Rapids inherits those rules. Investors should still review local ordinances for rental licensing.

Is the tenant base reliable in Wisconsin Rapids, WI?

Wisconsin Rapids, WI offers a measured renter base at the $873/mo rent level. Tenant turnover is reasonable for well-managed properties.

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How 54495 ranks in Wisconsin Rapids-Marshfield, WI

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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