ZIP Code 54650 — Onalaska city, WI Demographics & Data

ZIP code 54650 covers Onalaska, WI in La Crosse County with a population of about 24,619.

At a glance, the area shows median age of 41.3 versus a U.S. median of about 38.9.

It sits in telephone area code 608; U.S. House district WI-3; the LA CROSSE - EAU CLAIRE media market.

Median household income in ZIP 54650 is about $85,255 — about 13% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.1%; unemployment rate near 2.9%; 40.1% of adults with a bachelor’s degree or higher (about 6.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 9.0% of workers reporting work-from-home (about 6.2 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 $279,100 — about 20% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $932 (about 20% below the U.S. median rent ($1,163)), and owner-occupancy near 67.8% (about 2.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 54650 in Onalaska, WI, a household would need roughly $77,000 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 $1,793. That is roughly in line with the local median household income ($85,255). 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 Onalaska city, WI as Relatively Low (composite score 80.5), which is elevated versus much of the country. The strongest component scores on US5 are flood (74.0) and wildfire (11.8). 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 Onalaska city, WI show little to no average snow and around 35.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,436 for ZIP 54650 (Onalaska city, 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.