Real Estate Investing in Humbird, Wisconsin (54746)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 54746 (Humbird, 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: 26.1% of homes vacant — above national norms.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Humbird, WI (54746)?
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Market Analysis: 54746 Humbird
ZIP 54746 in Humbird, WI carries a sturdy set of headwinds. Home values near $197K and rents of $1,053/mo sit inside a market where underwriting has to be tight.
For an experienced owner, 54746 can be a an appealing option for hunting ground — but the discount at $197K reflects genuine risk that outside investors often underestimate.
Nearby ZIPs in Humbird have seen price recovery that 54746 has not matched. Clark County data supports the view that the spread is structural rather than temporary.
Resident income in 54746 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
Strategically, 54746 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.
Here's what matters if you're considering buying a home in Humbird:
Market Trends
Home Value History (with trend line)
📊 How Does 54746 Compare?
| Metric | 54746 | Humbird | Wisconsin |
|---|---|---|---|
| Home Value | $196,673 | $196,673 | $320,446 |
| 5-Year CAGR | 5.7% | 5.7% | 7.3% |
| Avg Rent | $1,053 | $1,053 | - |
| Cap Rate | 4.2% | 4.2% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 54746 (Humbird, WI). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $196,673 |
| Monthly Rent | $1,053 |
| Price-to-Rent | 15.6:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.4% |
| Cap Rate | 4.2% |
| 5-Year IRR | 9.9% |
📈 Home Appreciation
| 1-Year | +12.9% ▲ |
| 3-Year CAGR | +4.2% ▲ |
| 5-Year CAGR | +5.7% ▲ |
| 10-Year CAGR | +6.9% ▲ |
🏠 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 (4.2%). 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.
Demographics in 54746
Population: 666
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
Frequently Asked Questions
What kind of vacancy should I budget for in Humbird, WI?
Humbird, WI vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.
What is the typical renter like in Humbird, WI?
Tenant quality in Humbird, WI ranks as solid. Landlords generally report steady occupancy at market rents of $1,053/mo.
What real estate strategy is ideal for Humbird, WI?
For Humbird, WI, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
Is Humbird, WI a good market for FHA house hackers?
Humbird, WI offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,053/mo rent level.
How does Humbird, WI stack up for property investment?
Humbird, WI records an investability rating of 3.0/5, with median home values near $197K and average rents around $1,053/mo. That combination puts it in the sturdy tier for investor interest.
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