Real Estate Investing in Rosendale, Wisconsin (54974)

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

Fond du Lac County • Population: 1,515 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 54974 (Rosendale, WI)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (77/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 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
1 flag
  • High price-to-rent: Price-to-rent ratio 27.7 — 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 Rosendale, WI (54974)?

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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 $325,828
Avg Monthly Rent $981
1% Rule ✗ Does Not Meet
Median Income $85,625
% Renters 8.7%

Market Analysis: 54974 Rosendale

Investors eyeing 54974 need to respect the fundamentals at play. Home values of $326K come alongside slower price movement and elevated management overhead.

Rent of $981/mo on a $326K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 54974 sits below the stated 0.0% once reality is priced in.

The gap between 54974 and stronger Rosendale ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Employment concentration in 54974 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

New investors are better served looking at Rosendale's stable or hybrid ZIPs before stepping into 54974. The learning curve here is expensive when the lesson is wrong.

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 Rosendale:

C+ Average
Buy Confidence Score: 68/100
Affordability
15/25
Appreciation
25/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.8× the median income
Value Trend
Rising (+8.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $981/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Fond du Lac, WI Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
6.8%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Fond du Lac, WI metro data
🏠

Property Strategy for 54974

Which property type performs best in this market?

Best for Cash Flow
3BR
3.7% cap rate
Best for Appreciation
3BR
+8.5% 5yr CAGR
Best Overall Value
4BR
$80,104/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $275,827 $1,410 3.7% +8.5% $91,942
4BR $320,415 $1,540 3.5% +7.9% $80,104

Market Trends

Home Value History (with trend line)

$341K$298K$255K$212K$169K$127KNov 2008Sep 2017Jul 2026

📊 How Does 54974 Compare?

Metric 54974 Rosendale Fond du Lac, WI Wisconsin
Home Value $325,828 $325,828 N/A $320,446
5-Year CAGR 7.7% 7.7% N/A 7.3%
Avg Rent $981 $981 N/A -
Cap Rate 2.4% 2.4% - -
💡 Why Invest in 54974? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 54974 (Rosendale, WI). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.4%
Low
5yr Growth
+7.7%
Strong

📉 Market Crash Risk Index

Based on Fond du Lac, WI metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
0%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $325,828
Monthly Rent $981
Price-to-Rent 27.7:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.6%
Cap Rate 2.4%
5-Year IRR 10.1%

📈 Home Appreciation

1-Year +8.2% ▲
3-Year CAGR +7.7% ▲
5-Year CAGR +7.7% ▲
10-Year CAGR +7.6% ▲

🏠 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
0.8%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+7.7%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 54974

Population: 1,515

💰 Median Household Income
$85,625
This area
$85,625
State
$73,177
USA
$74,580
🏠 Renter Occupied
8.7%
This area
8.7%
State
22.0%
USA
34.0%
💼 Unemployment Rate
1.8%
This area
1.8%
State
-1.8%
USA
3.7%
🎓 College Educated
20.3%
This area
20.3%
State
17.1%
USA
33.7%
👤 Median Age
51.4 years
This area
51.4 years
State
35.3 years
USA
38.9 years
🏚️ Vacancy Rate
0.8%
This area
0.8%
State
17.1%
USA
10.5%
👥 Population by Ethnicity
White 96.7%
Other/Mixed 2.8%
Hispanic/Latino 0.6%
Black/African American 0.6%
👶 Under 18
16.7%
This area
16.7%
USA
22.0%
👴 65 and Over
26.5%
This area
26.5%
USA
17.3%
📊 Poverty Rate
2.6%
This area
2.6%
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 54974

B Avg School Grade
4 Schools
15.7:1 Avg Class Size
$13,611 Avg Per Pupil

Schools in This ZIP Code

B Good

Laconia High

📚 09 – 12 High School
👥
327 Students
👨‍🏫
16.1:1 Class Size
💰
$13,611 Per Student
B Good

Rosendale-Brandon Middle

📚 06 – 08 Middle
👥
203 Students
👨‍🏫
15.4:1 Class Size
💰
$13,611 Per Student
B Good

Rosendale Intermediate

📚 04 – 05 Elementary
👥
78 Students
👨‍🏫
12.3:1 Class Size
💰
$13,611 Per Student
C+ Average

Rosendale Primary

📚 Pre-K – 03 Elementary
👥
222 Students
👨‍🏫
19.3:1 Class Size
💰
$13,611 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

4 Nearby 1,539 Off-Campus Students
C
Ripon College
734 students · 10.1 mi
C+
Advanced College of Cosmetology
34 students · 10.9 mi
C
Marian University
1,319 students · 11.9 mi
C+
Moraine Park Technical College
3,532 students · 12.1 mi

Investor Insight: With 1,539 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Are landlord laws favorable in Rosendale, WI?

Rental owners in Rosendale, WI deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.

How strong is Rosendale, WI for real estate investors?

Rosendale, WI scores 3.0/5 for investability. Home values sit at $326K and rents near $981/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

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

Tenant demand in Rosendale, WI is solid. The local workforce $981/mo rents across most rental classes.

What is the average monthly rent in Rosendale, WI?

Expect rents around $981/mo per month in Rosendale, WI. With home values at $326K, the yield math works out to reasonable levels for rental investors.

Is Rosendale, WI suited for a house hack?

For house hackers, Rosendale, WI is a challenging. The $981/mo rent on a unit helps defray the mortgage on a $326K property.

You know 54974 now. You don’t know where it ranks.

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How 54974 ranks in Fond du Lac, WI

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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