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Spooner city, WI

ZIP 54801 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 54801

Median Home Value
$198,500
Median Rent
$598
Affordability Snapshot
$55,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,275/mo PITI).

12%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

27.7 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 54801 in Spooner city, WI, a household would need roughly $55,000 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 $1,275. That is roughly in line with the local median household income ($58,591). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 40% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.2%+13% vs US avg
x
Vacancy Rate
40.4%+293% vs US avg
x
Broadband Access
81.4%-6% vs US avg
x
4+ Bedrooms
2.9%-80% vs US avg
x
Built Pre-1939
7.9%-38% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
15.3%-69% vs US avg
x
Mortgage-Free
47.4%+24% vs US avg
x
$198,500
Home Value
$598
Rent
1978
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached85.7%
  • 1-unit attached1.8%
  • 2-9 units5.2%
  • 10+ units0.7%
  • Mobile home & other6.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$198,500
Median rent$598
Owner-occupied74.2%
Vacant40.4%
Price-to-income3.4x
Est. income to buy$55,000