ZIP Code 54821 — Cable CDP, WI Demographics & Data

ZIP code 54821 covers Cable, WI in Bayfield County with a population of about 1,512.

At a glance, the area shows median age of 59.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 534, 715; U.S. House district WI-7; the DULUTH - SUPERIOR media market.

Cable, WI fits a retirement-oriented profile (high share of residents 65+ (37.2%)). 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 54821 is about $58,352 — about 22% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.3%; unemployment rate near 1.4%; 36.4% of adults with a bachelor’s degree or higher (about 2.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Arts and entertainment, and Agriculture; about 17.5% of workers reporting work-from-home (about 2.3 points above 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 $274,200 — about 21% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $728 (about 37% below the U.S. median rent ($1,163)), and owner-occupancy near 86.1% (about 20.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 54821 in Cable, WI, a household would need roughly $75,000 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 $1,761. That is about 29% above the local median household income ($58,352), so the median earner would likely stretch or need a larger down payment. 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 Cable CDP, WI as Very Low (composite score 35.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (33.5) and wildfire (17.5). 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 Cable CDP, WI show little to no average snow and around 34.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 88 for ZIP 54821 (Cable CDP, 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.