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Janesville city, WI

ZIP 53545 — 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 53545

Median Home Value
$204,000
Median Rent
$853
Affordability Snapshot
$56,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,310/mo PITI).

14%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.9 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 53545 in Janesville city, WI, a household would need roughly $56,000 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 $1,310. That sits below the local median household income ($70,730), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
64.8%-1% vs US avg
x
Vacancy Rate
3.6%-65% vs US avg
x
Broadband Access
90.0%+3% vs US avg
x
4+ Bedrooms
3.7%-75% vs US avg
x
Built Pre-1939
6.3%-51% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
17.0%-66% vs US avg
x
Mortgage-Free
44.4%+16% vs US avg
x
$204,000
Home Value
$853
Rent
1965
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 detached67.6%
  • 1-unit attached5.0%
  • 2-9 units13.9%
  • 10+ units12.9%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$204,000
Median rent$853
Owner-occupied64.8%
Vacant3.6%
Price-to-income2.9x
Est. income to buy$56,000