Real Estate Investing in La Pointe, Wisconsin (54850)

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

Ashland County • Population: 341 • Data updated: September 2026

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Should you buy in 54850 (La Pointe, WI)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (48/100)

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: 78.5% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 36.8 — hard to cash-flow at these prices.

• 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 La Pointe, WI (54850)?

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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 $384,962
Avg Monthly Rent $873
1% Rule ✗ Does Not Meet
Median Income $76,250
% Renters 9.5%

Market Analysis: 54850 La Pointe

The 54850 ZIP in La Pointe, WI is a local-operator market. Outside capital chasing a $385K entry has to pair deep knowledge with the discount.

Distressed markets are won on execution, not on spreadsheets. ZIP 54850 stands at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Within WI, ZIP 54850 trails on several market indicators that neighboring Ashland County submarkets outperform. The gap is real and significant enough to shape underwriting.

Meanwhile, 341 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

Experienced landlords with local relationships tend to find 54850 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

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 La Pointe:

C+ Average
Buy Confidence Score: 62/100
Affordability
10/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 5× the median income
Value Trend
Rising (+5.8%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $873/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)

$404K$364K$324K$283K$243K$203KJan 2016May 2021Jul 2026

📊 How Does 54850 Compare?

Metric 54850 La Pointe Wisconsin
Home Value $384,962 $384,962 $320,446
5-Year CAGR 6.7% 6.7% 7.3%
Avg Rent $873 $873 -
Cap Rate 1.8% 1.8% -
💡 Why Invest in 54850? 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 54850 (La Pointe, WI). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
1.8%
Low
5yr Growth
+6.7%
Strong

📊 Market Snapshot

Home Value $384,962
Monthly Rent $873
Price-to-Rent 36.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 2.7%
Cap Rate 1.8%
5-Year IRR 8.5%

📈 Home Appreciation

1-Year +5.8% ▲
3-Year CAGR +7.1% ▲
5-Year CAGR +6.7% ▲
10-Year CAGR +5.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 1.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

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.

Vacancy
78.5%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+6.7%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 54850

Population: 341

💰 Median Household Income
$76,250
This area
$76,250
State
$73,177
USA
$74,580
🏠 Renter Occupied
9.5%
This area
9.5%
State
22.0%
USA
34.0%
💼 Unemployment Rate
1.4%
This area
1.4%
State
-1.8%
USA
3.7%
🎓 College Educated
49.7%
This area
49.7%
State
17.1%
USA
33.7%
👤 Median Age
60.1 years
This area
60.1 years
State
35.3 years
USA
38.9 years
🏚️ Vacancy Rate
78.5%
This area
78.5%
State
17.1%
USA
10.5%
👥 Population by Ethnicity
White 92.3%
Other/Mixed 6.5%
Black/African American 0.6%
Asian 0.6%
👶 Under 18
8.7%
This area
8.7%
USA
22.0%
👴 65 and Over
38.7%
This area
38.7%
USA
17.3%
📊 Poverty Rate
1.9%
This area
1.9%
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 54850

A Avg School Grade
1 Schools
11.3:1 Avg Class Size
$38,008 Avg Per Pupil

Schools in This ZIP Code

A Very Good

La Pointe Elementary

📚 Pre-K – 06 School
👥
17 Students
👨‍🏫
11.3:1 Class Size
💰
$38,008 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

Should investors consider La Pointe, WI?

Yes - La Pointe, WI a 3.0/5 investability score. With $385K home prices against $873/mo monthly rent, the market delivers a reasonable entry point for new investors.

Are renters plentiful in La Pointe, WI?

Expect a solid tenant pool in La Pointe, WI. The rental market absorbs $873/mo rents without meaningful friction.

Do rentals sit vacant long in La Pointe, WI?

Occupancy in La Pointe, WI runs reliable with elevated vacancy. Well-priced units at $873/mo lease on reasonable timelines.

What are home prices like in La Pointe, WI?

In La Pointe, WI the median home value sits at $385K. Against the broader WI market, that reads as reasonable for most investors.

How much is rent in La Pointe, WI?

Average rent in La Pointe, WI is approximately $873/mo per month. Against $385K home values that yields a reasonable rent-to-price ratio.

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