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Medford city, WI

ZIP 54451 — 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 54451

Median Home Value
$198,500
Median Rent
$630
Affordability Snapshot
$55,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,275/mo PITI).

12%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

26.3 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 54451 in Medford city, WI, a household would need roughly $55,000 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 $1,275. That sits below the local median household income ($63,882), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.8%+14% vs US avg
x
Vacancy Rate
11.3%+9% vs US avg
x
Broadband Access
83.2%-4% vs US avg
x
4+ Bedrooms
4.5%-69% vs US avg
x
Built Pre-1939
6.0%-53% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
17.4%-65% vs US avg
x
Mortgage-Free
42.6%+12% vs US avg
x
$198,500
Home Value
$630
Rent
1978
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached75.3%
  • 1-unit attached0.6%
  • 2-9 units13.8%
  • 10+ units3.9%
  • Mobile home & other6.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$198,500
Median rent$630
Owner-occupied74.8%
Vacant11.3%
Price-to-income3.1x
Est. income to buy$55,000