Real Estate Investing in Oshkosh, Wisconsin (54901)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 54901 (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.
- Elevated vacancy: 8.5% vacancy may signal weakening demand.
What’s happening in Oshkosh, WI (54901)?
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Market Analysis: 54901 Oshkosh
ZIP 54901 in Oshkosh, WI carries a significant set of headwinds. Home values near $231K and rents of $1,177/mo sit inside a market where underwriting has to be tight.
Stepping back, the numbers look inviting — $231K purchase price, 0.0% nominal cap — the work to hit that pro forma in 54901 is substantial and deserves full respect.
In the broader WI picture, 54901 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
On balance, 36,999 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.
Strategically, 54901 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 Oshkosh:
Property Strategy for 54901
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $148,759 | $890 | 4.3% | +11.3% | $148,759 |
| 2BR | $179,501 | $1,150 | 4.6% | +9.6% | $89,750 |
| 3BR | $224,802 | $1,540 | 4.9% | +8.7% | $74,934 |
| 4BR | $242,209 | $1,650 | 4.9% | +7.7% | $60,552 |
| 5BR | $245,974 | — | — | +6.9% | $49,195 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 54901 Compare?
| Metric | 54901 | Oshkosh | Oshkosh-Neenah, WI | Wisconsin |
|---|---|---|---|---|
| Home Value | $230,936 | $279,375 | N/A | $320,446 |
| 5-Year CAGR | 6.7% | 6.5% | N/A | 7.3% |
| Avg Rent | $1,177 | $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 54901 (Oshkosh, WI). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $230,936 |
| Monthly Rent | $1,177 |
| Price-to-Rent | 16.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.1% |
| Cap Rate | 4.0% |
| 5-Year IRR | 10.7% |
📈 Home Appreciation
| 1-Year | +7.7% ▲ |
| 3-Year CAGR | +6.5% ▲ |
| 5-Year CAGR | +6.7% ▲ |
| 10-Year CAGR | +7.5% ▲ |
🏠 Rent Trends
| 1-Year | -9.5% ▼ |
| 3-Year CAGR | +2.4% ▲ |
| 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 54901
Population: 36,999
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 54901
Schools in This ZIP Code
Nearby Schools (4 more)
Schools in adjacent ZIP codes that may serve this area
Winnebago Mental Health Institution
Wisconsin Resource Center
Drug Abuse Correctional Center
Winnebago Correctional Center
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 701 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
How strong is Oshkosh, WI for real estate investors?
Investors tracking Oshkosh, WI will find a 3.0/5 rating supported by $231K median home values and $1,177/mo rents. That profile suits long-term holders targeting measured returns.
How much rent can I charge in Oshkosh, WI?
Average rent in Oshkosh, WI is approximately $1,177/mo per month. Against $231K home values that yields a reasonable rent-to-price ratio.
How do home values compare in Oshkosh, WI?
The median home value in Oshkosh, WI is roughly $231K. That puts it reasonable relative to the WI statewide average.
Do rentals sit vacant long in Oshkosh, WI?
Oshkosh, WI vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.
Is Oshkosh, WI landlord-friendly?
The landlord environment in Oshkosh, WI is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.
You know 54901 now. You don’t know where it ranks.
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How 54901 ranks in Oshkosh-Neenah, WI
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