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Cedarburg city, WI

ZIP 53012 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 53012

Median Home Value
$390,600
Median Rent
$945
Affordability Snapshot
$108,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,509/mo PITI).

12%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

34.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 53012 in Cedarburg city, WI, a household would need roughly $108,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,509. That is roughly in line with the local median household income ($98,094). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
75.0%+15% vs US avg
x
Vacancy Rate
3.2%-69% vs US avg
x
Broadband Access
93.7%+8% vs US avg
x
4+ Bedrooms
7.8%-47% vs US avg
x
Built Pre-1939
2.5%-80% vs US avg
x
Built Post-2014
1.1%-85% vs US avg
x
Rent Burden >30%
21.4%-57% vs US avg
x
Mortgage-Free
38.5%+1% vs US avg
x
$390,600
Home Value
$945
Rent
1975
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached73.5%
  • 1-unit attached3.7%
  • 2-9 units11.9%
  • 10+ units10.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$390,600
Median rent$945
Owner-occupied75.0%
Vacant3.2%
Price-to-income4.0x
Est. income to buy$108,000