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Bayfield city, WI

ZIP 54814 — 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 54814

Median Home Value
$235,700
Median Rent
$394
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,514/mo PITI).

8%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

49.9 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 54814 in Bayfield city, WI, a household would need roughly $65,000 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 $1,514. That is roughly in line with the local median household income ($62,813). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 33% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.5%+14% vs US avg
x
Vacancy Rate
32.9%+219% vs US avg
x
Broadband Access
91.9%+6% vs US avg
x
4+ Bedrooms
4.6%-69% vs US avg
x
Built Pre-1939
1.6%-87% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
10.4%-79% vs US avg
x
Mortgage-Free
64.5%+69% vs US avg
x
$235,700
Home Value
$394
Rent
1985
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached73.3%
  • 1-unit attached6.5%
  • 2-9 units8.1%
  • 10+ units2.1%
  • Mobile home & other10.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$235,700
Median rent$394
Owner-occupied74.5%
Vacant32.9%
Price-to-income3.8x
Est. income to buy$65,000