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Cottage Grove village, WI

ZIP 53527 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 53527

Median Home Value
$402,500
Median Rent
$1,377
Affordability Snapshot
$111,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,586/mo PITI).

14%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

24.4 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 53527 in Cottage Grove village, 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.

Housing Tenure

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

Heating Fuel
Housing Metrics
Owner Occupied
80.8%+24% vs US avg
x
Vacancy Rate
1.8%-82% vs US avg
x
Broadband Access
97.0%+12% vs US avg
x
4+ Bedrooms
5.6%-62% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
19.1%-61% vs US avg
x
Mortgage-Free
18.2%-52% vs US avg
x
$402,500
Home Value
$1,377
Rent
1998
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached73.4%
  • 1-unit attached7.3%
  • 2-9 units7.1%
  • 10+ units12.2%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$402,500
Median rent$1,377
Owner-occupied80.8%
Vacant1.8%
Price-to-income3.4x
Est. income to buy$111,000