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Spencer village, WI

ZIP 54479 — 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 54479

Median Home Value
$175,100
Median Rent
$418
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,125/mo PITI).

6%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

34.9 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 54479 in Spencer village, WI, a household would need roughly $48,000 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 $1,125. That sits below the local median household income ($79,542), 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
83.0%+27% vs US avg
x
Vacancy Rate
4.5%-57% vs US avg
x
Broadband Access
83.3%-4% vs US avg
x
4+ Bedrooms
9.9%-33% vs US avg
x
Built Pre-1939
4.9%-62% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
10.9%-78% vs US avg
x
Mortgage-Free
39.9%+4% vs US avg
x
$175,100
Home Value
$418
Rent
1973
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached81.3%
  • 1-unit attached1.9%
  • 2-9 units10.7%
  • 10+ units0.8%
  • Mobile home & other5.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$175,100
Median rent$418
Owner-occupied83.0%
Vacant4.5%
Price-to-income2.2x
Est. income to buy$48,000