Real Estate Investing in Cameron, Wisconsin (54822)

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

Barron County • Population: 4,911 • Data updated: September 2026

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Should you buy in 54822 (Cameron, WI)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (53/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 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
2 flags
  • High vacancy: 14.5% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 27.0 — 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 Cameron, WI (54822)?

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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 $311,915
Avg Monthly Rent $963
1% Rule ✗ Does Not Meet
Median Income $67,143
% Renters 22.9%

Market Analysis: 54822 Cameron

Investors eyeing 54822 need to respect the fundamentals at play. Home values of $312K come alongside slower price movement and elevated management overhead.

For an experienced owner, 54822 can be a a solid fit for hunting ground — but the discount at $312K reflects genuine risk that outside investors often underestimate.

Nearby ZIPs in Cameron have seen price recovery that 54822 has not matched. Barron County data supports the view that the spread is structural rather than temporary.

The demographic picture in 54822 includes headwinds that any investor should price in. Income distribution skews lower than Cameron averages, and tenant stability requires active management.

Strategically, 54822 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 Cameron:

C+ Average
Buy Confidence Score: 65/100
Affordability
10/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.6× the median income
Value Trend
Rising (+7.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $963/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.

Market Trends

Home Value History (with trend line)

$328K$283K$238K$194K$149K$105KJan 2009Oct 2017Jul 2026

📊 How Does 54822 Compare?

Metric 54822 Cameron Wisconsin
Home Value $311,915 $311,915 $320,446
5-Year CAGR 7.0% 7.0% 7.3%
Avg Rent $963 $963 -
Cap Rate 2.4% 2.4% -
💡 Why Invest in 54822? 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 54822 (Cameron, WI). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.4%
Low
5yr Growth
+7.0%
Strong

📊 Market Snapshot

Home Value $311,915
Monthly Rent $963
Price-to-Rent 27.0:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.7%
Cap Rate 2.4%
5-Year IRR 9.4%

📈 Home Appreciation

1-Year +7.2% ▲
3-Year CAGR +5.6% ▲
5-Year CAGR +7.0% ▲
10-Year CAGR +7.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.4%). 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
14.5%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+7.0%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 54822

Population: 4,911

💰 Median Household Income
$67,143
This area
$67,143
State
$73,177
USA
$74,580
🏠 Renter Occupied
22.9%
This area
22.9%
State
22.0%
USA
34.0%
💼 Unemployment Rate
1.6%
This area
1.6%
State
-1.8%
USA
3.7%
🎓 College Educated
20.9%
This area
20.9%
State
17.1%
USA
33.7%
👤 Median Age
43.1 years
This area
43.1 years
State
35.3 years
USA
38.9 years
🏚️ Vacancy Rate
14.5%
This area
14.5%
State
17.1%
USA
10.5%
👥 Population by Ethnicity
White 91.3%
Other/Mixed 6.4%
Hispanic/Latino 4.2%
Black/African American 1.5%
Asian 0.9%
👶 Under 18
22.7%
This area
22.7%
USA
22.0%
👴 65 and Over
17.4%
This area
17.4%
USA
17.3%
📊 Poverty Rate
4.2%
This area
4.2%
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 54822

B Avg School Grade
5 Schools
18.3:1 Avg Class Size
$15,019 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Cameron Elementary

📚 Pre-K – 04 Elementary
👥
434 Students
👨‍🏫
13.6:1 Class Size
💰
$15,019 Per Student
A Very Good

Cameron Middle

📚 05 – 08 School
👥
320 Students
👨‍🏫
14.6:1 Class Size
💰
$15,019 Per Student
B+ Above Average

Cameron High

📚 09 – 12 High School
👥
298 Students
👨‍🏫
15.5:1 Class Size
💰
$15,019 Per Student
C+ Average

Cameron Academy of Virtual Education

📚 Pre-K – 12 K-12 Charter
👥
123 Students
👨‍🏫
19.8:1 Class Size
💰
$15,019 Per Student
D Needs Improvement

North Star Academy

📚 09 – 12 High School Charter
👥
39 Students
👨‍🏫
27.9:1 Class Size
💰
$15,019 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

1 Nearby 1,374 Off-Campus Students
C+
Northwood Technical College
2,668 students · 6.4 mi

Investor Insight: With 1,374 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What approach is best for Cameron, WI real estate?

For Cameron, WI, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

Is it easy to find good tenants in Cameron, WI?

Tenant quality in Cameron, WI ranks as solid. Landlords generally report predictable occupancy at market rents of $963/mo.

Does a duplex house hack pencil in Cameron, WI?

House hacking in Cameron, WI is reasonable to execute. Prices around $312K and rents of $963/mo solid owner-occupant economics.

Is Cameron, WI a good place for real estate investing?

The 3.0/5 investability rating in Cameron, WI reflects its $312K prices and $963/mo rents. Investors generally consider it a solid option within WI.

How much does a house cost in Cameron, WI?

Median home price in Cameron, WI is near $312K, with a 5-year CAGR of 0.0%. Prices have been reliable and supportive of buy-and-hold strategies.

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