Real Estate Investing in Phillips, Wisconsin (54555)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 54555 (Phillips, WI)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 39.7% of homes vacant — above national norms.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Phillips, WI (54555)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 54555 Phillips
The 54555 ZIP covers a section of Phillips that demands careful diligence. Prices near $240K look accessible, but the work to make a deal cash flow is real.
For an experienced owner, 54555 can be a a solid fit for hunting ground — but the discount at $240K reflects genuine risk that outside investors often underestimate.
The gap between 54555 and stronger Phillips ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
In practical terms, 4,726 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.
Distressed ZIPs reward experience. impressive returns are possible in 54555, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Phillips:
Market Trends
Home Value History (with trend line)
📊 How Does 54555 Compare?
| Metric | 54555 | Phillips | Wisconsin |
|---|---|---|---|
| Home Value | $239,731 | $239,731 | $320,446 |
| 5-Year CAGR | 6.7% | 6.7% | 7.3% |
| Avg Rent | $900 | $900 | - |
| Cap Rate | 2.9% | 2.9% | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 54555 (Phillips, WI). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $239,731 |
| Monthly Rent | $900 |
| Price-to-Rent | 22.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.5% |
| Cap Rate | 2.9% |
| 5-Year IRR | 9.6% |
📈 Home Appreciation
| 1-Year | +10.4% ▲ |
| 3-Year CAGR | +5.5% ▲ |
| 5-Year CAGR | +6.7% ▲ |
| 10-Year CAGR | +6.5% ▲ |
🏠 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 (2.9%). 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.
Demographics in 54555
Population: 4,726
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 54555
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 much do tenants pay in Phillips, WI?
Expect rents around $900/mo per month in Phillips, WI. With home values at $240K, the yield math works out to reasonable levels for rental investors.
Is rental property easy to operate in Phillips, WI?
Landlord-friendliness in Phillips, WI is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.
Which investment style suits Phillips, WI?
Investors usually favor careful cash-flow rentals with hands-on management in Phillips, WI. With home values at $240K and rents near $900/mo, other strategies can work but produce steady rather than outsized returns.
Does house hacking make sense in Phillips, WI?
House hacking works a challenging in Phillips, WI. Rents of $900/mo against $240K acquisition make the strategy solid for owner-occupants.
How tight is the rental market in Phillips, WI?
Vacancy risk in Phillips, WI is elevated. That supports steady cash flow for typical rental holds.
You know 54555 now. You don’t know where it ranks.
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