ZIP Code 54082 — Houlton CDP, WI Demographics & Data

ZIP code 54082 covers Houlton, WI in St. Croix County with a population of about 2,026.

At a glance, the area shows median age of 51.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 534, 715; U.S. House district WI-7; the MINNEAPOLIS - ST. PAUL media market.

Median household income in ZIP 54082 is about $130,738 — about 74% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.4%; unemployment rate near 1.7%; 55.9% of adults with a bachelor’s degree or higher (about 22.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Transportation, and Retail trade; about 20.5% of workers reporting work-from-home (about 5.3 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 $480,300 — about 38% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 88.9% (about 23.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 54082 in Houlton, WI, a household would need roughly $132,000 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 $3,085. That is roughly in line with the local median household income ($130,738). 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 Houlton CDP, WI as Relatively Low (composite score 64.1), which is near the middle of the national distribution. The strongest component scores on US5 are flood (64.1) and wildfire (45.3). 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 Houlton CDP, WI show little to no average snow and around 35.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 118 for ZIP 54082 (Houlton CDP, 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.