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Niagara city, WI

ZIP 54151 — 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 54151

Median Home Value
$130,300
Median Rent
$580
Affordability Snapshot
$36,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$837/mo PITI).

10%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.7 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 54151 in Niagara city, WI, a household would need roughly $36,000 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 $837. That sits below the local median household income ($69,076), 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

Vacancy rate 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.1%+32% vs US avg
x
Vacancy Rate
21.4%+108% vs US avg
x
Broadband Access
90.0%+3% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
8.2%-36% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
15.7%-68% vs US avg
x
Mortgage-Free
52.4%+37% vs US avg
x
$130,300
Home Value
$580
Rent
1967
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 detached90.1%
  • 1-unit attached0.9%
  • 2-9 units0.3%
  • 10+ units1.9%
  • Mobile home & other6.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$130,300
Median rent$580
Owner-occupied86.1%
Vacant21.4%
Price-to-income1.9x
Est. income to buy$36,000