Oshkosh, WI—54902
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 $223,000, with a year-over-year change of 6.2%. This indicates that home prices in Oshkosh, WI are increasing. According to Zillow, the 1-year price projection is 2.5%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $223,000 | 6.2% |
| Single Family | $225,000 | 6.6% |
| Condos | $176,000 | 4.8% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $144,000 | 6.7% |
2 Bed | $186,000 | 9.4% |
3 Bed | $227,000 | 7.1% |
4 Bed | $241,000 | 7.1% |
| 5 Bed | $240,000 | 5.7% |
% of Housing Stock
Rental Trends — Oshkosh, WI
As of July '25, Rentcast reports the average rent in Oshkosh, WI is $1,210, with a year-over-year rent change of 12.0%. Per bedroom, the median rent as of July '25 in Oshkosh, WI is 1-bedrooms: $839, 2-bedrooms: $1,240, 3-bedrooms: $1,520, 4-bedrooms: $1,700. The most common rental property sizes in Oshkosh, WI are 2-bedroom and 1-bedroom, accounting for 53.1% and 24.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,000 | $1,210 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $849 | $839 |
| 2 Bed Rent | $1,000 | $1,240 |
| 3 Bed Rent | $1,400 | $1,520 |
| 4 Bed Rent | $1,700 | $1,700 |
% 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 36. This is a increase of 21.0% 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 40.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $252,000 | 13.0% |
Listing Count | 65 | 22.0% |
| Listings as % of Homes | 0.3% | 22.0% |
Days on Market | 36 | 21.0% |
Demographics — Oshkosh, WI
As of the latest ACS Survey released in 2023, Oshkosh, WI has a population of 22,000, which has remained stable by -0.6% over the past 5 years. Oshkosh, WI is a moderately popular place for families, as children make up 20.2% of the population. The area has a moderately educated workforce, with 27.1% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 22,000 | -0.6% |
% Under 18 | 20.2% | -1.9% |
% Seniors | 18.7% | 5.1% |
% WFH | 8.2% | 256.5% |
% w/ College Degree | 27.1% | 19.4% |
As of the latest ACS Survey released in 2023, Oshkosh, WI is a predominantly white area, with 83.7% of the population identifying as white. The white population has shrunk by 7.7% in the last 5 years. The second most common race or ethnicity in Oshkosh, WI is asian, making up 4.2% of the population. Foreign-born residents account for 2.4% of the population in Oshkosh, WI, and this percentage has decreased by 7.7% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 83.7% | -7.7% |
% Black | 3.1% | 47.6% |
% Hispanic | 3.5% | 6.1% |
% Asian | 4.2% | 82.6% |
% Foreign Born | 2.4% | -7.7% |
Mortgage and Risk — Oshkosh, WI
According to HUD data as of 2023, there were 464 mortgage originations in Oshkosh, WI, of which 87.0% of loans were conventional mortgages. The average loan-to-value was 61.0%, with 25.0% above 90% LTV (very high). This implies large mortgage risk in Oshkosh, WI. Investor activity is low, as 4.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 464 |
% Conventional Loans | 87.0% |
% Government Loans | 13.0% |
% Investor Loans | 4.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 10.0% |
Loan Activity
Rentals and Section 8 — Oshkosh, WI
As of 2024, the percent of homes in Oshkosh, WI under the Section 8 program is 7.0%. 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. In Oshkosh, WI, none of the tracked home sizes currently have HUD payment amounts above market rent, suggesting limited Section 8 opportunity.
Section 8 Market Size
Total Units under HUD | 324 |
Total Units Section 8 | 278 |
% Rentals under Section 8 | 7.0% |
% Occupied Section 8 | 91.3% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$129 | $849 | $720 |
| 2 Bedroom | -$60 | $1,000 | $940 |
| 3 Bedroom | -$140 | $1,400 | $1,260 |
| 4 Bedroom | -$280 | $1,700 | $1,420 |
Affordability — Oshkosh, WI
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.9 |
| Median Home Price | $223,000 |
| Median Household Income | $64,500 |