US5.com
  1. Home
  2. States
  3. Wisconsin
  4. ZIP 54758
  5. Housing & Real Estate
Osseo city, WI

ZIP 54758 — 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 54758

Median Home Value
$209,500
Median Rent
$644
Affordability Snapshot
$58,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,346/mo PITI).

11%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

27.1 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 54758 in Osseo city, WI, a household would need roughly $58,000 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 $1,346. That sits below the local median household income ($70,045), 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
81.9%+25% vs US avg
x
Vacancy Rate
10.7%+4% vs US avg
x
Broadband Access
85.5%-2% vs US avg
x
4+ Bedrooms
5.7%-62% vs US avg
x
Built Pre-1939
4.5%-65% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
13.2%-73% vs US avg
x
Mortgage-Free
37.9%-1% vs US avg
x
$209,500
Home Value
$644
Rent
1975
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 detached80.4%
  • 1-unit attached3.1%
  • 2-9 units9.0%
  • 10+ units0.5%
  • Mobile home & other7.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$209,500
Median rent$644
Owner-occupied81.9%
Vacant10.7%
Price-to-income3.0x
Est. income to buy$58,000