Real Estate Investing in Stoddard, Wisconsin (54658)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 54658 (Stoddard, 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.
- Elevated vacancy: 8.7% vacancy may signal weakening demand.
- High price-to-rent: Price-to-rent ratio 25.0 — 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 Stoddard, WI (54658)?
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Market Analysis: 54658 Stoddard
The 54658 ZIP in Stoddard, WI is a local-operator market. Outside capital chasing a $330K entry has to pair deep knowledge with the discount.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $330K asset, 54658 is the wrong submarket. If the plan prices in friction, the yield can still work.
Nearby ZIPs in Stoddard have seen price recovery that 54658 has not matched. Vernon County data supports the view that the spread is structural rather than temporary.
A impressive renter share of 17% in 54658 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
Experienced landlords with local relationships tend to find 54658 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Stoddard:
Market Trends
Home Value History (with trend line)
📊 How Does 54658 Compare?
| Metric | 54658 | Stoddard | Wisconsin |
|---|---|---|---|
| Home Value | $329,658 | $329,658 | $320,446 |
| 5-Year CAGR | 7.0% | 7.0% | 7.3% |
| Avg Rent | $1,098 | $1,098 | - |
| Cap Rate | 2.6% | 2.6% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 54658 (Stoddard, WI). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $329,658 |
| Monthly Rent | $1,098 |
| Price-to-Rent | 25.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.0% |
| Cap Rate | 2.6% |
| 5-Year IRR | 9.6% |
📈 Home Appreciation
| 1-Year | +11.2% ▲ |
| 3-Year CAGR | +6.1% ▲ |
| 5-Year CAGR | +7.0% ▲ |
| 10-Year CAGR | +6.8% ▲ |
🏠 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 (2.6%). 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 54658
Population: 2,458
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 54658
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.
🎓 Nearby Colleges & Universities
Investor Insight: With 1,771 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
What is the best play in Stoddard, WI?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in Stoddard, WI. The numbers - $330K homes against $1,098/mo rents - support that play.
What is the typical renter like in Stoddard, WI?
Tenant demand in Stoddard, WI is solid. The local workforce $1,098/mo rents across most rental classes.
Are homes affordable in Stoddard, WI?
Typical homes in Stoddard, WI go for around $330K. The 5-year CAGR of 0.0% even-keeled price movement.
Can I house hack in Stoddard, WI?
The house hack math a challenging in Stoddard, WI. Owner-occupant buyers benefit from the $1,098/mo rents and $330K home values.
What are vacancy rates like in Stoddard, WI?
Vacancy risk in Stoddard, WI is elevated. That supports consistent cash flow for typical rental holds.
You know 54658 now. You don’t know where it ranks.
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