Real Estate Investing in Stone Lake, Wisconsin (54876)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 54876 (Stone Lake, WI)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 62.5% of homes vacant — above national norms.
- High price-to-rent: Price-to-rent ratio 36.4 — 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 Stone Lake, WI (54876)?
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Market Analysis: 54876 Stone Lake
The 54876 ZIP in Stone Lake, WI is a local-operator market. Outside capital chasing a $484K entry has to pair deep knowledge with the discount.
Rent of $1,107/mo on a $484K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 54876 sits below the stated 0.0% once reality is priced in.
Statewide comparisons place 54876 among WI's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
Demographically, 54876 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.
Experienced landlords with local relationships tend to find 54876 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Stone Lake:
Property Strategy for 54876
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $350,805 | $1,230 | 2.5% | +7.9% | $175,402 |
| 3BR | $551,386 | $1,480 | 1.9% | +9.0% | $183,795 |
Market Trends
Home Value History (with trend line)
📊 How Does 54876 Compare?
| Metric | 54876 | Stone Lake | Wisconsin |
|---|---|---|---|
| Home Value | $484,052 | $484,052 | $320,446 |
| 5-Year CAGR | 5.4% | 5.4% | 7.3% |
| Avg Rent | $1,107 | $1,107 | - |
| Cap Rate | 1.8% | 1.8% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 54876 (Stone Lake, WI). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $484,052 |
| Monthly Rent | $1,107 |
| Price-to-Rent | 36.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 2.7% |
| Cap Rate | 1.8% |
| 5-Year IRR | 7.2% |
📈 Home Appreciation
| 1-Year | +3.9% ▲ |
| 3-Year CAGR | +2.3% ▲ |
| 5-Year CAGR | +5.4% ▲ |
| 10-Year CAGR | +7.0% ▲ |
🏠 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 (1.8%). 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 54876
Population: 1,690
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
🎓 Nearby Colleges & Universities
Frequently Asked Questions
What kind of market is Stone Lake, WI for investors?
Stone Lake, WI scores 3.0/5 for investability. Home values sit at $484K and rents near $1,107/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.
What is the median home value in Stone Lake, WI?
Stone Lake, WI median home values land near $484K. That is reasonable territory for investors looking at $1,107/mo-per-month rentals.
What is the typical vacancy rate in Stone Lake, WI?
Expect elevated vacancy in Stone Lake, WI. Rents at $1,107/mo are absorbed by the tenant base without meaningful lag.
What is it like being a landlord in Stone Lake, WI?
The landlord environment in Stone Lake, WI is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.
What strategy should investors use in Stone Lake, WI?
In Stone Lake, WI the solid play is typically careful cash-flow rentals with hands-on management. The combination of $484K prices and $1,107/mo rents suits that approach.
You know 54876 now. You don’t know where it ranks.
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