Real Estate Investing in Strum, Wisconsin (54770)

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

Trempealeau County • Population: 2,155 • Data updated: September 2026

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Should you buy in 54770 (Strum, WI)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (77/100)

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
1 flag
  • High price-to-rent: Price-to-rent ratio 28.1 — 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 Strum, WI (54770)?

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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 $300,240
Avg Monthly Rent $891
1% Rule ✗ Does Not Meet
Median Income $74,297
% Renters 16.3%

Market Analysis: 54770 Strum

ZIP 54770 inside Trempealeau County looks affordable on the surface — median value of $300K — but the discount exists for reasons that a careful buyer should understand before committing.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 54770 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

On the rental side, 54770 offers a low basis, the region around Strum has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

The demographic picture in 54770 includes headwinds that any investor should price in. Income distribution skews lower than Strum averages, and tenant stability requires active management.

The 54770 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

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 Strum:

C+ Average
Buy Confidence Score: 68/100
Affordability
15/25
Appreciation
25/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4× the median income
Value Trend
Rising (+9.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $891/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

Market Trends

Home Value History (with trend line)

$315K$273K$231K$189K$147K$105KMar 2009Nov 2017Jul 2026

📊 How Does 54770 Compare?

Metric 54770 Strum Eau Claire, WI Wisconsin
Home Value $300,240 $300,240 N/A $320,446
5-Year CAGR 7.2% 7.2% N/A 7.3%
Avg Rent $891 $891 N/A -
Cap Rate 2.3% 2.3% - -
💡 Why Invest in 54770? Click to expand

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

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 54770 (Strum, WI). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.3%
Low
5yr Growth
+7.2%
Strong

📉 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 $300,240
Monthly Rent $891
Price-to-Rent 28.1:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.6%
Cap Rate 2.3%
5-Year IRR 9.5%

📈 Home Appreciation

1-Year +9.1% ▲
3-Year CAGR +7.5% ▲
5-Year CAGR +7.2% ▲
10-Year CAGR +7.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.3%). 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
2.9%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+7.2%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 54770

Population: 2,155

💰 Median Household Income
$74,297
This area
$74,297
State
$73,177
USA
$74,580
🏠 Renter Occupied
16.3%
This area
16.3%
State
22.0%
USA
34.0%
💼 Unemployment Rate
1.6%
This area
1.6%
State
-1.8%
USA
3.7%
🎓 College Educated
21.3%
This area
21.3%
State
17.1%
USA
33.7%
👤 Median Age
35.7 years
This area
35.7 years
State
35.3 years
USA
38.9 years
🏚️ Vacancy Rate
2.9%
This area
2.9%
State
17.1%
USA
10.5%
👥 Population by Ethnicity
White 93.1%
Other/Mixed 6.1%
Hispanic/Latino 1.8%
Asian 0.8%
👶 Under 18
27.6%
This area
27.6%
USA
22.0%
👴 65 and Over
17.7%
This area
17.7%
USA
17.3%
📊 Poverty Rate
6.6%
This area
6.6%
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 54770

A Avg School Grade
3 Schools
11.3:1 Avg Class Size
$15,929 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Eleva-Strum Elementary

📚 Pre-K – 05 Elementary
👥
285 Students
👨‍🏫
10.0:1 Class Size
💰
$15,929 Per Student
A Very Good

Eleva-Strum High

📚 09 – 12 High School
👥
194 Students
👨‍🏫
11.4:1 Class Size
💰
$15,929 Per Student
B+ Above Average

Eleva-Strum Middle

📚 06 – 08 Middle
👥
134 Students
👨‍🏫
12.7:1 Class Size
💰
$15,929 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 real estate strategy is ideal for Strum, WI?

Investors who focus on careful cash-flow rentals with hands-on management typically do well in Strum, WI. The numbers - $300K homes against $891/mo rents - support that play.

What is the typical renter like in Strum, WI?

The renter base in Strum, WI is reasonable for the $891/mo price point. Screening well and pricing to market typically yields reliable tenants.

How much rent can I charge in Strum, WI?

Average rent in Strum, WI is approximately $891/mo per month. Against $300K home values that yields a reasonable rent-to-price ratio.

How strict are landlord regulations in Strum, WI?

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

What is the investability score for Strum, WI?

The 3.0/5 investability rating in Strum, WI reflects its $300K prices and $891/mo rents. Investors generally consider it a solid option within WI.

You know 54770 now. You don’t know where it ranks.

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How 54770 ranks in Eau Claire, WI

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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