Real Estate Investing in Oshkosh, Wisconsin (54902)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 54902 (Oshkosh, WI)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
No major risk flags on the data we track.
What’s happening in Oshkosh, WI (54902)?
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Market Analysis: 54902 Oshkosh
Investors eyeing 54902 need to respect the fundamentals at play. Home values of $238K come alongside slower price movement and elevated management overhead.
Rent of $1,221/mo on a $238K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 54902 sits below the stated 0.0% once reality is priced in.
Nearby ZIPs in Oshkosh have seen price recovery that 54902 has not matched. Winnebago County data supports the view that the spread is structural rather than temporary.
Resident income in 54902 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
The right play in 54902 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Oshkosh:
Property Strategy for 54902
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $143,924 | $800 | 4.0% | +9.1% | $143,924 |
| 2BR | $185,866 | $1,040 | 4.0% | +9.6% | $92,933 |
| 3BR | $227,416 | $1,400 | 4.4% | +8.9% | $75,805 |
| 4BR | $241,260 | $1,490 | 4.4% | +8.9% | $60,315 |
| 5BR | $240,428 | — | — | +7.9% | $48,086 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 54902 Compare?
| Metric | 54902 | Oshkosh | Oshkosh-Neenah, WI | Wisconsin |
|---|---|---|---|---|
| Home Value | $238,299 | $279,375 | N/A | $320,446 |
| 5-Year CAGR | 7.1% | 6.5% | N/A | 7.3% |
| Avg Rent | $1,221 | $1,533 | N/A | - |
| Cap Rate | 4.0% | 4.2% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 54902 (Oshkosh, WI). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $238,299 |
| Monthly Rent | $1,221 |
| Price-to-Rent | 16.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.2% |
| Cap Rate | 4.0% |
| 5-Year IRR | 11.0% |
📈 Home Appreciation
| 1-Year | +9.0% ▲ |
| 3-Year CAGR | +7.0% ▲ |
| 5-Year CAGR | +7.1% ▲ |
| 10-Year CAGR | +7.7% ▲ |
🏠 Rent Trends
| 1-Year | +9.3% ▲ |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.0%). 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 54902
Population: 21,982
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 54902
Schools in This ZIP Code
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
Investor Insight: With 2,240 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Are tenants stable in Oshkosh, WI?
The tenant pool in Oshkosh, WI is solid, supported by local employment and population fundamentals. Rents of $1,221/mo are well-absorbed by the market.
How does Oshkosh, WI stack up for property investment?
With a 3.0/5 investability score, Oshkosh, WI ranks as a solid market for rental property investors. Median prices of $238K and rents of $1,221/mo drive the underlying numbers.
What investment strategy works best in Oshkosh, WI?
A careful cash-flow rentals with hands-on management strategy Oshkosh, WI best. The market produces measured results for that approach at the $238K price point.
Are landlord laws favorable in Oshkosh, WI?
For rental operators, Oshkosh, WI rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.
How much does a house cost in Oshkosh, WI?
The median home value in Oshkosh, WI is roughly $238K. That puts it reasonable relative to the WI statewide average.
You know 54902 now. You don’t know where it ranks.
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How 54902 ranks in Oshkosh-Neenah, WI
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