Real Estate Investing in Utica, Wisconsin (54964)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 54964 (Utica, WI)? Our answer, based on the numbers below.
Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High price-to-rent: Price-to-rent ratio 26.8 — 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 Utica, WI (54964)?
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Market Analysis: 54964 Utica
Investors eyeing 54964 need to respect the fundamentals at play. Home values of $354K come alongside slower price movement and elevated management overhead.
From a cash-flow lens, the numbers look inviting — $354K purchase price, 0.0% nominal cap — the work to hit that pro forma in 54964 is substantial and deserves full respect.
Looking more closely, 54964 offers a low basis, the region around Utica has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Resident income in 54964 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
Strategically, 54964 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.
Here's what matters if you're considering buying a home in Utica:
Market Trends
Home Value History (with trend line)
📊 How Does 54964 Compare?
| Metric | 54964 | Utica | Oshkosh-Neenah, WI | Wisconsin |
|---|---|---|---|---|
| Home Value | $353,701 | $353,701 | N/A | $320,446 |
| 5-Year CAGR | 5.1% | 5.1% | N/A | 7.3% |
| Avg Rent | $1,098 | $1,098 | N/A | - |
| Cap Rate | 2.4% | 2.4% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 54964 (Utica, WI). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $353,701 |
| Monthly Rent | $1,098 |
| Price-to-Rent | 26.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.7% |
| Cap Rate | 2.4% |
| 5-Year IRR | 7.5% |
📈 Home Appreciation
| 1-Year | +7.9% ▲ |
| 3-Year CAGR | +3.9% ▲ |
| 5-Year CAGR | +5.1% ▲ |
| 10-Year CAGR | +6.1% ▲ |
🏠 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 (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.
Demographics in 54964
Population: 936
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
Investor Insight: With 701 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Is it easy to find good tenants in Utica, WI?
Utica, WI offers a predictable renter base at the $1,098/mo rent level. Tenant turnover is reasonable for well-managed properties.
Do landlords face vacancy issues in Utica, WI?
Occupancy in Utica, WI runs steady with elevated vacancy. Well-priced units at $1,098/mo lease on reasonable timelines.
Is housing expensive in Utica, WI?
Expect median prices around $354K in Utica, WI. The market has run at a 0.0% 5-year CAGR, so entry costs have been predictable.
Can owner-occupants cash flow in Utica, WI?
House hacking in Utica, WI is a challenging. With home values around $354K and rents at $1,098/mo, owner-occupants can offset a meaningful share of PITI.
How do landlord-tenant laws work in Utica, WI?
Landlord-friendliness in Utica, WI is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.
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