ZIP Code 54540 — undefined, WI Demographics & Data

ZIP code 54540 covers WI in Vilas County with a population of about 985.

At a glance, the area shows median age of 60.9 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.

WI fits a retirement-oriented profile (high share of residents 65+ (35.4%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 54540 is about $63,438 — about 16% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.6%; unemployment rate near 3.8%; 30.9% of adults with a bachelor’s degree or higher (about 2.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Real estate; about 13.5% of workers reporting work-from-home (about 1.7 points below 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 $223,800 — about 36% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $571 (about 51% below the U.S. median rent ($1,163)), and owner-occupancy near 88.8% (about 23.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 54540 in WI, a household would need roughly $62,000 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 $1,438. That is roughly in line with the local median household income ($63,438). 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 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 WI show little to no average snow and around 32.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 57 for ZIP 54540 (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.