Real Estate Investing in Eau Claire, Wisconsin (54703)

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

Eau Claire County • Population: 43,022 • Data updated: September 2026

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Should you buy in 54703 (Eau Claire, 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 Eau Claire, WI (54703)?

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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 $297,961
Avg Monthly Rent $1,155
1% Rule ✗ Does Not Meet
Median Income $67,664
% Renters 36.2%

Market Analysis: 54703 Eau Claire

Not every below-median market is a bargain. Eau Claire's 54703 ZIP shows signals that favor experienced operators who can absorb the risk $298K pricing implies.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $298K asset, 54703 is the wrong submarket. If the plan prices in friction, the yield can still work.

Statewide comparisons place 54703 among WI's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

A notable renter share of 36% in 54703 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

Strategy in 54703 is an operator game, not a passive one. On the rental side, entry prices of $298K are inviting, the management lift is real and non-optional.

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 Eau Claire:

B Good
Buy Confidence Score: 71/100
Affordability
15/25
Appreciation
22/25
Stability
13/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.4× the median income
Value Trend
Rising (+5.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,155/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
Eau Claire, WI Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
8.1%
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 Eau Claire, WI metro data
🏠

Property Strategy for 54703

Which property type performs best in this market?

Best for Cash Flow
3BR
4.2% cap rate
Best for Appreciation
3BR
+7.7% 5yr CAGR
Best Overall Value
5BR
$71,030/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $192,525 $980 3.7% +6.7% $192,525
2BR $224,403 $1,210 3.9% +7.6% $112,202
3BR $275,254 $1,620 4.2% +7.7% $91,751
4BR $322,178 $1,630 3.6% +7.7% $80,545
5BR $355,148 +6.9% $71,030

Market Trends

Home Value History (with trend line)

$313K$272K$231K$190K$149K$108KJan 2009Oct 2017Jul 2026

Rent History (with trend line)

$1,198$1,094$991$887$784$681Feb 2022May 2024Jul 2026

📊 How Does 54703 Compare?

Metric 54703 Eau Claire Eau Claire, WI Wisconsin
Home Value $297,961 $218,944 N/A $320,446
5-Year CAGR 5.9% 5.5% N/A 7.3%
Avg Rent $1,155 $1,120 N/A -
Cap Rate 3.0% 2.7% - -
💡 Why Invest in 54703? Click to expand

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

A healthy rental market with 36% 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 54703 (Eau Claire, WI). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.0%
Low
5yr Growth
+5.9%
Moderate

📉 Market Crash Risk Index

Based on Eau Claire, WI metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
36%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $297,961
Monthly Rent $1,155
Price-to-Rent 21.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.7%
Cap Rate 3.0%
5-Year IRR 8.9%

📈 Home Appreciation

1-Year +5.3% ▲
3-Year CAGR +4.9% ▲
5-Year CAGR +5.9% ▲
10-Year CAGR +7.4% ▲

🏠 Rent Trends

1-Year +33.7% ▲
3-Year CAGR +12.4% ▲
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.0%). 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
5.4%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.9%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 54703

Population: 43,022

💰 Median Household Income
$67,664
This area
$67,664
State
$73,177
USA
$74,580
🏠 Renter Occupied
36.2%
This area
36.2%
State
22.0%
USA
34.0%
💼 Unemployment Rate
2.0%
This area
2.0%
State
-1.8%
USA
3.7%
🎓 College Educated
31.8%
This area
31.8%
State
17.1%
USA
33.7%
👤 Median Age
35.0 years
This area
35.0 years
State
35.3 years
USA
38.9 years
🏚️ Vacancy Rate
5.4%
This area
5.4%
State
17.1%
USA
10.5%
👥 Population by Ethnicity
White 86.2%
Asian 6.7%
Other/Mixed 5.4%
Hispanic/Latino 3.0%
Black/African American 1.6%
👶 Under 18
18.7%
This area
18.7%
USA
22.0%
👴 65 and Over
14.8%
This area
14.8%
USA
17.3%
📊 Poverty Rate
5.1%
This area
5.1%
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 54703

B+ Avg School Grade
14 Schools
13.3:1 Avg Class Size
$15,744 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Locust Lane Elementary

📚 K – 05 Elementary
👥
323 Students
👨‍🏫
10.6:1 Class Size
💰
$15,744 Per Student
A Very Good

DeLong Middle

📚 06 – 08 Middle
👥
861 Students
👨‍🏫
11.7:1 Class Size
💰
$15,744 Per Student
A Very Good

Lakeshore Elementary

📚 K – 05 Elementary
👥
299 Students
👨‍🏫
10.7:1 Class Size
💰
$15,744 Per Student
A Very Good

Longfellow Elementary

📚 K – 05 Elementary
👥
264 Students
👨‍🏫
10.0:1 Class Size
💰
$15,744 Per Student
A Very Good

Roosevelt Elementary

📚 K – 05 Elementary
👥
236 Students
👨‍🏫
10.9:1 Class Size
💰
$15,744 Per Student
A Very Good

Davey Elementary

📚 K – 05 Elementary
👥
352 Students
👨‍🏫
13.4:1 Class Size
💰
$15,744 Per Student
A Very Good

Northstar Middle

📚 06 – 08 Middle
👥
529 Students
👨‍🏫
12.7:1 Class Size
💰
$15,744 Per Student
A Very Good

Sherman Elementary

📚 K – 05 Elementary
👥
490 Students
👨‍🏫
13.8:1 Class Size
💰
$15,744 Per Student
B+ Above Average

Northwoods Elementary

📚 K – 05 Elementary
👥
294 Students
👨‍🏫
12.1:1 Class Size
💰
$15,744 Per Student
B+ Above Average

Prairie Ridge Early Learning School

📚 Grade PK Elementary
👥
289 Students
👨‍🏫
13.2:1 Class Size
💰
$15,744 Per Student
B+ Above Average

Chippewa Valley Montessori Charter School

📚 Pre-K – 05 Elementary Charter
👥
305 Students
👨‍🏫
15.2:1 Class Size
💰
$15,744 Per Student
B Good

North High

📚 09 – 12 High School
👥
1,572 Students
👨‍🏫
15.9:1 Class Size
💰
$15,744 Per Student
C Below Average

McKinley Charter School

📚 06 – 12 High School Charter
👥
137 Students
👨‍🏫
22.8:1 Class Size
💰
$15,744 Per Student
C Below Average

Second Avenue School

📚 04 – 12 High School Limited Data
👥
18 Students
💰
$15,744 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

4 Nearby 6,144 Off-Campus Students
D
Healthcare Workforce Training Institute
0 students · 0.6 mi
B
University of Wisconsin-Eau Claire
9,991 students · 2.5 mi
C+
Chippewa Valley Technical College
8,198 students · 2.7 mi
C+
The Professional Hair Design Academy
75 students · 4.4 mi

Investor Insight: With 6,144 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What is the smart move for investors in Eau Claire, WI?

A careful cash-flow rentals with hands-on management strategy Eau Claire, WI best. The market produces steady results for that approach at the $298K price point.

Is vacancy a concern in Eau Claire, WI?

Eau Claire, WI vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

Is Eau Claire, WI a smart market for rental property?

Eau Claire, WI reflects an investability rating of 3.0/5, with median home values near $298K and average rents around $1,155/mo. That combination puts it in the solid tier for investor interest.

Is Eau Claire, WI suited for a house hack?

House hacking in Eau Claire, WI is reasonable to execute. Prices around $298K and rents of $1,155/mo solid owner-occupant economics.

What is the tenant pool like in Eau Claire, WI?

Eau Claire, WI draws a steady base of working renters. Demand at the $1,155/mo rent level is reasonable for standard single-family and small multi rentals.

You know 54703 now. You don’t know where it ranks.

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How 54703 ranks in Eau Claire, WI

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