Real Estate Investing in Bangor, Wisconsin (54614)

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

La Crosse County • Population: 2,647 • Data updated: September 2026

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Should you buy in 54614 (Bangor, WI)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (67/100)

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
1 flag
  • High price-to-rent: Price-to-rent ratio 29.0 — 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 Bangor, WI (54614)?

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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 $337,772
Avg Monthly Rent $972
1% Rule ✗ Does Not Meet
Median Income $79,559
% Renters 21.3%

Market Analysis: 54614 Bangor

The 54614 ZIP in Bangor, WI is a local-operator market. Outside capital chasing a $338K entry has to pair deep knowledge with the discount.

For an experienced owner, 54614 can be a a strong candidate for hunting ground — but the discount at $338K reflects genuine risk that outside investors often underestimate.

Within WI, ZIP 54614 trails on several market indicators that neighboring La Crosse County submarkets outperform. The gap is real and notable enough to shape underwriting.

Demographically, 54614 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.

Experienced landlords with local relationships tend to find 54614 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 Bangor:

C+ Average
Buy Confidence Score: 67/100
Affordability
15/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.2× the median income
Value Trend
Rising (+10.8%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $972/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.

Market Trends

Home Value History (with trend line)

$352K$310K$268K$226K$184K$142KMar 2009Nov 2017Jul 2026

📊 How Does 54614 Compare?

Metric 54614 Bangor Wisconsin
Home Value $337,772 $337,772 $320,446
5-Year CAGR 5.8% 5.8% 7.3%
Avg Rent $972 $972 -
Cap Rate 2.2% 2.2% -
💡 Why Invest in 54614? 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 54614 (Bangor, WI). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.2%
Low
5yr Growth
+5.8%
Moderate

📊 Market Snapshot

Home Value $337,772
Monthly Rent $972
Price-to-Rent 29.0:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.5%
Cap Rate 2.2%
5-Year IRR 8.0%

📈 Home Appreciation

1-Year +10.8% ▲
3-Year CAGR +4.5% ▲
5-Year CAGR +5.8% ▲
10-Year CAGR +6.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.2%). 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.

Vacancy
7.4%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.8%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 54614

Population: 2,647

💰 Median Household Income
$79,559
This area
$79,559
State
$73,177
USA
$74,580
🏠 Renter Occupied
21.3%
This area
21.3%
State
22.0%
USA
34.0%
💼 Unemployment Rate
2.1%
This area
2.1%
State
-1.8%
USA
3.7%
🎓 College Educated
23.2%
This area
23.2%
State
17.1%
USA
33.7%
👤 Median Age
41.3 years
This area
41.3 years
State
35.3 years
USA
38.9 years
🏚️ Vacancy Rate
7.4%
This area
7.4%
State
17.1%
USA
10.5%
👥 Population by Ethnicity
White 96.3%
Other/Mixed 1.9%
Asian 1.7%
Hispanic/Latino 1.2%
Black/African American 0.2%
👶 Under 18
22.6%
This area
22.6%
USA
22.0%
👴 65 and Over
19.8%
This area
19.8%
USA
17.3%
📊 Poverty Rate
4.0%
This area
4.0%
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 54614

A+ Avg School Grade
2 Schools
11.9:1 Avg Class Size
$17,005 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Bangor Elementary

📚 Pre-K – 05 Elementary
👥
301 Students
👨‍🏫
12.0:1 Class Size
💰
$17,005 Per Student
A+ Excellent

Bangor Middle/High

📚 06 – 12 High School
👥
347 Students
👨‍🏫
11.9:1 Class Size
💰
$17,005 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

3 Nearby 1,771 Off-Campus Students
C+
The Salon Professional Academy-Onalaska
76 students · 11.3 mi
B
University of Wisconsin-La Crosse
10,299 students · 14.2 mi
C
Western Technical College
3,906 students · 14.9 mi

Investor Insight: With 1,771 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What investment strategy works best in Bangor, WI?

A careful cash-flow rentals with hands-on management strategy Bangor, WI best. The market produces steady results for that approach at the $338K price point.

Can I house hack in Bangor, WI?

House hacking in Bangor, WI is a challenging. With home values around $338K and rents at $972/mo, owner-occupants can offset a meaningful share of PITI.

How qualified is the tenant pool in Bangor, WI?

Working renters make up the core of the Bangor, WI tenant base. The pool is reasonable for investors targeting long-term holds.

Does Bangor, WI favor landlords or tenants?

For rental operators, Bangor, WI rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.

Are rents high in Bangor, WI?

Average rent in Bangor, WI is approximately $972/mo per month. Against $338K home values that yields a reasonable rent-to-price ratio.

You know 54614 now. You don’t know where it ranks.

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How 54614 ranks in La Crosse-Onalaska, WI-MN

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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