Oshkosh, WI—54901
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Oshkosh, WI
As of Oct '25, the median home price in Oshkosh, WI is $218,000, with a year-over-year change of 5.8%. This indicates that home prices in Oshkosh, WI are increasing. According to Zillow, the 1-year price projection is 2.6%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $218,000 | 5.8% |
| Single Family | $217,000 | 6.4% |
| Condos | $235,000 | 4.9% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $149,000 | 9.6% |
2 Bed | $180,000 | 8.4% |
3 Bed | $225,000 | 7.1% |
4 Bed | $242,000 | 5.7% |
| 5 Bed | $246,000 | 4.2% |
% of Housing Stock
Rental Trends — Oshkosh, WI
As of July '25, Rentcast reports the average rent in Oshkosh, WI is $1,290, with a year-over-year rent change of 7.5%. Per bedroom, the median rent as of July '25 in Oshkosh, WI is 1-bedrooms: $888, 2-bedrooms: $1,120, 3-bedrooms: $1,360, 4-bedrooms: $1,730. The most common rental property sizes in Oshkosh, WI are 2-bedroom and 3-bedroom, accounting for 47.4% and 18.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,200 | $1,290 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $850 | $888 |
| 2 Bed Rent | $1,190 | $1,120 |
| 3 Bed Rent | $1,350 | $1,360 |
| 4 Bed Rent | $1,700 | $1,730 |
% of Rental Stock
Property Listings — Oshkosh, WI
As of Oct '25, Realtor.com reports that the median days on market for a home in Oshkosh, WI is 49. This is a increase of 42.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 26.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $224,000 | 2.0% |
Listing Count | 106 | 20.0% |
| Listings as % of Homes | 0.3% | 20.0% |
Days on Market | 49 | 42.0% |
Demographics — Oshkosh, WI
As of the latest ACS Survey released in 2023, Oshkosh, WI has a population of 37,000, which has decreased by -4.7% over the past 5 years. Oshkosh, WI is a moderately popular place for families, as children make up 16.3% of the population. The area has a poorly educated workforce, with 24.2% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 37,000 | -4.7% |
% Under 18 | 16.3% | 3.2% |
% Seniors | 12.6% | 17.8% |
% WFH | 6.5% | 124.1% |
% w/ College Degree | 24.2% | 0.4% |
As of the latest ACS Survey released in 2023, Oshkosh, WI is a predominantly white area, with 80.4% of the population identifying as white. The white population has shrunk by 7.2% in the last 5 years. The second most common race or ethnicity in Oshkosh, WI is black, making up 5.8% of the population. Foreign-born residents account for 4.2% of the population in Oshkosh, WI, and this percentage has increased by 27.3% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 80.4% | -7.2% |
% Black | 5.8% | 18.4% |
% Hispanic | 5.5% | 66.7% |
% Asian | 3.6% | 0.0% |
% Foreign Born | 4.2% | 27.3% |
Mortgage and Risk — Oshkosh, WI
According to HUD data as of 2023, there were 564 mortgage originations in Oshkosh, WI, of which 88.0% of loans were conventional mortgages. The average loan-to-value was 63.0%, with 26.0% above 90% LTV (very high). This implies large mortgage risk in Oshkosh, WI. Investor activity is low, as 10.0% of loans were by investors. 9.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 564 |
% Conventional Loans | 88.0% |
% Government Loans | 12.0% |
% Investor Loans | 10.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 9.0% |
Loan Activity
Rentals and Section 8 — Oshkosh, WI
As of 2024, the percent of homes in Oshkosh, WI under the Section 8 program is 6.1%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 3-bedroom units appear to be good home sizes to consider for Section 8 housing in Oshkosh, WI, because HUD payments exceed market rent, while 1-bedroom and 2-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 712 |
Total Units Section 8 | 414 |
% Rentals under Section 8 | 6.1% |
% Occupied Section 8 | 91.3% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$50 | $850 | $800 |
| 2 Bedroom | -$150 | $1,190 | $1,040 |
| 3 Bedroom | $40 | $1,350 | $1,390 |
| 4 Bedroom | -$140 | $1,700 | $1,560 |
Affordability — Oshkosh, WI
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3 |
| Median Home Price | $218,000 |
| Median Household Income | $61,700 |