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Clayton village, WI

ZIP 54004 — 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 54004

Median Home Value
$235,300
Median Rent
$707
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,512/mo PITI).

13%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

27.7 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 54004 in Clayton village, WI, a household would need roughly $65,000 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 $1,512. That is roughly in line with the local median household income ($64,145). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
87.3%+33% vs US avg
x
Vacancy Rate
16.9%+64% vs US avg
x
Broadband Access
80.7%-7% vs US avg
x
4+ Bedrooms
3.9%-74% vs US avg
x
Built Pre-1939
3.0%-76% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
22.3%-55% vs US avg
x
Mortgage-Free
47.2%+24% vs US avg
x
$235,300
Home Value
$707
Rent
1979
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached86.7%
  • 1-unit attached0.6%
  • 2-9 units4.5%
  • 10+ units1.3%
  • Mobile home & other6.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$235,300
Median rent$707
Owner-occupied87.3%
Vacant16.9%
Price-to-income3.7x
Est. income to buy$65,000