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Colby city, WI

ZIP 54421 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 54421

Median Home Value
$178,800
Median Rent
$698
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,149/mo PITI).

14%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.3 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 54421 in Colby city, WI, a household would need roughly $49,000 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 $1,149. That sits below the local median household income ($59,738), 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
70.8%+8% vs US avg
x
Vacancy Rate
3.9%-62% vs US avg
x
Broadband Access
84.3%-3% vs US avg
x
4+ Bedrooms
6.8%-54% vs US avg
x
Built Pre-1939
4.4%-65% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
25.1%-50% vs US avg
x
Mortgage-Free
39.4%+3% vs US avg
x
$178,800
Home Value
$698
Rent
1973
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached74.5%
  • 1-unit attached1.6%
  • 2-9 units7.9%
  • 10+ units13.0%
  • Mobile home & other2.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$178,800
Median rent$698
Owner-occupied70.8%
Vacant3.9%
Price-to-income3.0x
Est. income to buy$49,000