Real Estate Investing in Tomah, Wisconsin (54660)

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

Monroe County • Population: 16,100 • Data updated: September 2026

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Should you buy in 54660 (Tomah, WI)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (71/100)

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.

What’s happening in Tomah, WI (54660)?

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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 $262,231
Avg Monthly Rent $1,233
1% Rule ✗ Does Not Meet
Median Income $63,876
% Renters 35.1%

Market Analysis: 54660 Tomah

ZIP 54660 in Tomah, WI carries a sturdy set of headwinds. Home values near $262K and rents of $1,233/mo sit inside a market where underwriting has to be tight.

Distressed markets are won on execution, not on spreadsheets. ZIP 54660 records the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Regionally, 54660 sits on the difficult end of the WI spectrum. The a strong candidate for read — for disciplined operators — is that pricing reflects the difficulty.

Who lives in 54660 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

Strategically, 54660 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 Tomah:

B Good
Buy Confidence Score: 71/100
Affordability
15/25
Appreciation
22/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.1× the median income
Value Trend
Rising (+7.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,233/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.
🏠

Property Strategy for 54660

Which property type performs best in this market?

Best for Cash Flow
2BR
4.1% cap rate
Best for Appreciation
2BR
+16.2% 5yr CAGR
Best Overall Value
4BR
$75,201/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $185,721 $1,050 4.1% +16.2% $92,860
3BR $259,712 $1,380 3.8% +8.3% $86,571
4BR $300,805 $1,430 3.4% +7.4% $75,201

Market Trends

Home Value History (with trend line)

$274K$240K$207K$173K$139K$105KMar 2009Nov 2017Jul 2026

Rent History (with trend line)

$1,277$1,209$1,141$1,073$1,005$937Aug 2025Feb 2026Jul 2026

📊 How Does 54660 Compare?

Metric 54660 Tomah Wisconsin
Home Value $262,231 $262,231 $320,446
5-Year CAGR 6.5% 6.5% 7.3%
Avg Rent $1,233 $1,233 -
Cap Rate 3.7% 3.7% -
💡 Why Invest in 54660? Click to expand

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

A healthy rental market with 35% renter-occupied households ensures tenant availability.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 54660 (Tomah, WI). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.7%
Low
5yr Growth
+6.5%
Strong

📊 Market Snapshot

Home Value $262,231
Monthly Rent $1,233
Price-to-Rent 17.7:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.6%
Cap Rate 3.7%
5-Year IRR 10.2%

📈 Home Appreciation

1-Year +7.7% ▲
3-Year CAGR +5.9% ▲
5-Year CAGR +6.5% ▲
10-Year CAGR +6.9% ▲

🏠 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
7.9%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+6.5%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 54660

Population: 16,100

💰 Median Household Income
$63,876
This area
$63,876
State
$73,177
USA
$74,580
🏠 Renter Occupied
35.1%
This area
35.1%
State
22.0%
USA
34.0%
💼 Unemployment Rate
1.8%
This area
1.8%
State
-1.8%
USA
3.7%
🎓 College Educated
24.1%
This area
24.1%
State
17.1%
USA
33.7%
👤 Median Age
42.4 years
This area
42.4 years
State
35.3 years
USA
38.9 years
🏚️ Vacancy Rate
7.9%
This area
7.9%
State
17.1%
USA
10.5%
👥 Population by Ethnicity
White 91.3%
Other/Mixed 6.6%
Hispanic/Latino 2.1%
Black/African American 1.3%
Asian 0.7%
👶 Under 18
22.5%
This area
22.5%
USA
22.0%
👴 65 and Over
20.1%
This area
20.1%
USA
17.3%
📊 Poverty Rate
9.0%
This area
9.0%
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 54660

B+ Avg School Grade
10 Schools
15.0:1 Avg Class Size
$14,588 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Lemonweir Elementary

📚 Pre-K – 05 Elementary
👥
275 Students
👨‍🏫
11.1:1 Class Size
💰
$14,588 Per Student
A Very Good

Miller Elementary

📚 K – 05 Elementary
👥
239 Students
👨‍🏫
11.2:1 Class Size
💰
$14,588 Per Student
A Very Good

La Grange Elementary

📚 Pre-K – 05 Elementary
👥
406 Students
👨‍🏫
13.6:1 Class Size
💰
$14,588 Per Student
A Very Good

Tomah Middle

📚 06 – 08 Middle
👥
681 Students
👨‍🏫
14.5:1 Class Size
💰
$14,588 Per Student
A Very Good

Wyeville Elementary

📚 K – 05 Elementary
👥
106 Students
👨‍🏫
11.2:1 Class Size
💰
$14,588 Per Student
B+ Above Average

Tomah High

📚 09 – 12 High School
👥
902 Students
👨‍🏫
14.5:1 Class Size
💰
$14,588 Per Student
B+ Above Average

Oakdale Elementary

📚 Pre-K – 01 Elementary
👥
79 Students
👨‍🏫
12.2:1 Class Size
💰
$14,588 Per Student
B Good

Robert Kupper Learning Center

📚 Pre-K – 12 K-12
👥
37 Students
👨‍🏫
9.3:1 Class Size
💰
$14,588 Per Student
B Good

Tomah Area Montessori School

📚 Pre-K – 06 School Charter
👥
63 Students
👨‍🏫
17.7:1 Class Size
💰
$14,588 Per Student
D Needs Improvement

Timber PUPS Learning Center

📚 Grade PK Elementary
👥
35 Students
👨‍🏫
35.0:1 Class Size
💰
$14,588 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.

Frequently Asked Questions

What is the typical home price in Tomah, WI?

Median home price in Tomah, WI is near $262K, with a 5-year CAGR of 0.0%. Prices have been even-keeled and supportive of buy-and-hold strategies.

Is the tenant base reliable in Tomah, WI?

Tomah, WI offers a steady renter base at the $1,233/mo rent level. Tenant turnover is reasonable for well-managed properties.

How much rent can I charge in Tomah, WI?

Average rent in Tomah, WI is approximately $1,233/mo per month. Against $262K home values that yields a reasonable rent-to-price ratio.

Are eviction rules reasonable in Tomah, WI?

Rental owners in Tomah, WI deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.

Is Tomah in WI worth investing in?

Tomah, WI rates 3.0/5 for investability. With median values at $262K and rents near $1,233/mo, the market offers reasonable fundamentals for rental investors.

You know 54660 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 54660 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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