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Black Creek village, WI

ZIP 54106 — 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 54106

Median Home Value
$254,500
Median Rent
$575
Affordability Snapshot
$70,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,635/mo PITI).

8%
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.

36.9 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 54106 in Black Creek village, WI, a household would need roughly $70,000 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 $1,635. That sits below the local median household income ($88,606), 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

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

Heating Fuel
Housing Metrics
Owner Occupied
88.0%+35% vs US avg
x
Vacancy Rate
3.0%-70% vs US avg
x
Broadband Access
89.0%+2% vs US avg
x
4+ Bedrooms
7.3%-51% vs US avg
x
Built Pre-1939
3.1%-76% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
14.3%-71% vs US avg
x
Mortgage-Free
47.6%+25% vs US avg
x
$254,500
Home Value
$575
Rent
1979
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached88.6%
  • 1-unit attached0.8%
  • 2-9 units4.5%
  • 10+ units1.1%
  • Mobile home & other5.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$254,500
Median rent$575
Owner-occupied88.0%
Vacant3.0%
Price-to-income2.9x
Est. income to buy$70,000