ZIP Code 54538 — Lac du Flambeau CDP, WI Demographics & Data

ZIP code 54538 covers Lac du Flambeau, WI in Vilas County with a population of about 2,919.

At a glance, the area shows median age of 44.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 534, 715; U.S. House district WI-7; the WAUSAU - RHINELANDER media market.

Median household income in ZIP 54538 is about $49,915 — about 34% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 26.4%; unemployment rate near 8.6%; 29.3% of adults with a bachelor’s degree or higher (about 4.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Arts and entertainment, and Retail trade; about 27.1% of workers reporting work-from-home (about 11.9 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $271,300 — about 22% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $365 (about 69% below the U.S. median rent ($1,163)), and owner-occupancy near 71.6% (about 6.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 54538 in Lac du Flambeau, WI, a household would need roughly $75,000 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 $1,743. That is about 50% above the local median household income ($49,915), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Lac du Flambeau CDP, WI as Relatively Low (composite score 63.3), which is near the middle of the national distribution. The strongest component scores on US5 are flood (60.9) and wildfire (22.1). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Lac du Flambeau CDP, WI show little to no average snow and around 33.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 170 for ZIP 54538 (Lac du Flambeau CDP, WI) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.