ZIP Code 53527 — Cottage Grove village, WI Demographics & Data

ZIP code 53527 covers Cottage Grove, WI in Dane County with a population of about 11,515.

At a glance, the area shows median age of 40.5 versus a U.S. median of about 38.9.

It sits in telephone area code 608; U.S. House district WI-2; the MADISON media market.

Median household income in ZIP 53527 is about $119,808 — about 59% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.6%; unemployment rate near 1.7%; 47.8% of adults with a bachelor’s degree or higher (about 14.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 16.8% of workers reporting work-from-home (about 1.6 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $402,500 — about 16% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,377 (about 18% above the U.S. median rent ($1,163)), and owner-occupancy near 80.8% (about 15.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 53527 in Cottage Grove, WI, a household would need roughly $111,000 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 $2,586. That is roughly in line with the local median household income ($119,808). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Cottage Grove village, WI as Relatively Moderate (composite score 93.9), which is among the highest nationally. The strongest component scores on US5 are flood (94.3) and wildfire (60.2). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Cottage Grove village, WI show little to no average snow and around 37.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 672 for ZIP 53527 (Cottage Grove village, WI) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.