HousingHandbookReference data

U.S. ZIP Code · WI54904

Winnebago County · Oshkosh-Neenah, WI

Typical home value

$362,073[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+6.1%
5-year / yr
+6.4%
10-year / yr
+6.2%

Relative price

vs U.S.
+27.5%
vs metro
+5.1%
vs state
+18.7%
ZIP 54904 location in WI
Location of ZIP 54904 in WI

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 54904 is worth $362,073 — 5.1% above the Oshkosh-Neenah, WI median. Over the past year, values have risen 6.1%. The effective property tax rate is 1.4%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
1.4%[3]
Typical annual tax
$5,240[3]

#Climate risk

FEMA National Risk Index ratings for Winnebago County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Moderate[4]
Riverine flood
Relatively Moderate
Coastal flood
Not Applicable
Wildfire
Very Low
Drought
Very Low
Heat wave
Relatively Low
Hurricane
Very Low
Tornado
Relatively High
Earthquake
Very Low
Winter weather
Relatively Moderate

#Who lives here

Population
22,273[3]
Median household income
$93,341[3]

#Migration

Household moves in and out of Winnebago County over a year, from IRS tax-return data.

Net migration
+160[5]
Moved in
5,031
Moved out
4,871

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
3
Elementary
2
Middle
1
High
0
  • Traeger Middle

    Middle · Grades 6–8 · Oshkosh Area School District

    436 students

  • Traeger Elementary

    Elementary · Grades PK–5 · Oshkosh Area School District

    430 students

  • Oakwood Elementary

    Elementary · Grades PK–5 · Oshkosh Area School District

    407 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$1,831
Loan principal$289,658
Down payment$72,415
Total interest paid$369,443

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$2,570
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
50th percentile[1]
Rental yield
[2]
Property tax
88th percentile[3]

Frequently asked

How much is a home worth in ZIP code 54904?
The typical home in 54904 is worth $362,073, based on the Zillow Home Value Index.
Are home values rising in 54904?
Home values in 54904 are up 6.1% over the past year, and up 6.4% a year over five years.
What is the property tax rate in 54904?
The effective property tax rate in 54904 is 1.4% — roughly $5,240 a year on a typical home.
Who lives in 54904?
ZIP code 54904 has a population of 22,273 and a median household income of $93,341.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Winchester CDP, WI

    Typical home
    $349,076
    Gross yield
  • Winneconne, WI

    Typical home
    $348,500
    Gross yield
  • Waukau CDP, WI

    Typical home
    $344,962
    Gross yield
  • Neenah, WI

    Typical home
    $344,395
    Gross yield
    4.0%
  • Butte des Morts CDP, WI

    Typical home
    $317,581
    Gross yield
  • Omro, WI

    Typical home
    $285,437
    Gross yield

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