ZIP Code 54865 — Port Wing CDP, WI Demographics & Data

ZIP code 54865 covers Port Wing, WI in Bayfield County with a population of about 492.

At a glance, the area shows median age of 57.3 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.

Port Wing, WI fits a retirement-oriented profile (high share of residents 65+ (36.6%)). 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 54865 is about $62,500 — about 17% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.4%; unemployment rate near 1.4%; 44.2% of adults with a bachelor’s degree or higher (about 10.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Food services, and Healthcare; about 10.8% of workers reporting work-from-home (about 4.4 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 $169,200 — about 51% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $575 (about 51% below the U.S. median rent ($1,163)), and owner-occupancy near 86.6% (about 21.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 54865 in Port Wing, WI, a household would need roughly $47,000 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 $1,087. That sits below the local median household income ($62,500), 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.

FEMA’s National Risk Index rates natural-hazard risk for Port Wing 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 Port Wing CDP, WI show little to no average snow.

IRS migration statistics show a net inflow of about 29 for ZIP 54865 (Port Wing 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.