ZIP code 54545

ZIP 54545 is a very small community in Vilas County, Wisconsin, with 954 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #635 of 783 ranked by population — larger than 18% of them. The median age here is 62 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 54545 earn a median of $80,607 a year, 2.6% above the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 6.7% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 54545 is valued at $647,500, 113.4% above the national figure, while median gross rent runs $1,107 a month, 21.3% below the national figure, or roughly $13,284 across a full year. A household on the local median income would put about 16.5% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 8×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 76.9% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Home values sit at 8× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere. A median age of 62 puts ZIP 54545 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 54545 is tabulated inside Vilas County, Wisconsin, one of 12 ZIP areas the Census publishes for that county and 783 across Wisconsin. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 54545 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 54545 reports a median household income of $80,607, 15% above the $70,208 county median, and 10% above the $73,420 typical WI ZIP. Owner-occupied homes are valued at a median of $647,500, 157% above the county figure and 202% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,107 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Wisconsin charges 5% statewide, and local governments overlapping 54545 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 54545 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.