Oshkosh, WI—54904
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 $352,000, with a year-over-year change of 6.0%. This indicates that home prices in Oshkosh, WI are increasing. According to Zillow, the 1-year price projection is 2.4%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $352,000 | 6.0% |
| Single Family | $362,000 | 5.8% |
| Condos | $283,000 | 5.6% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $280,000 | 6.1% |
3 Bed | $336,000 | 6.0% |
4 Bed | $406,000 | 5.7% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Oshkosh, WI
As of July '25, Rentcast reports the average rent in Oshkosh, WI is $1,390, with a year-over-year rent change of -9.7%. Per bedroom, the median rent as of July '25 in Oshkosh, WI is 2-bedrooms: $1,390. The most common rental property sizes in Oshkosh, WI are 2-bedroom and 1-bedroom, accounting for 66.6% and 13.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $875 | $1,390 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $875 | $1,390 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% 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 42. This is a increase of 55.0% 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 14.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $401,000 | 4.0% |
Listing Count | 56 | -16.0% |
| Listings as % of Homes | 0.4% | -16.0% |
Days on Market | 42 | 55.0% |
Demographics — Oshkosh, WI
As of the latest ACS Survey released in 2023, Oshkosh, WI has a population of 22,400, which has increased by 4.4% over the past 5 years. Oshkosh, WI is a moderately popular place for families, as children make up 20.0% of the population. The area has a moderately educated workforce, with 41.8% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 13.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 22,400 | 4.4% |
% Under 18 | 20.0% | -2.0% |
% Seniors | 22.5% | 18.4% |
% WFH | 13.7% | 280.6% |
% w/ College Degree | 41.8% | 10.0% |
As of the latest ACS Survey released in 2023, Oshkosh, WI is a predominantly white area, with 93.1% of the population identifying as white. The white population has shrunk by 0.5% in the last 5 years. The second most common race or ethnicity in Oshkosh, WI is asian, making up 4.1% of the population. Foreign-born residents account for 3.0% of the population in Oshkosh, WI, and this percentage has decreased by 6.2% 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 | 93.1% | -0.5% |
% Black | 0.2% | -75.0% |
% Hispanic | 1.4% | 7.7% |
% Asian | 4.1% | 20.6% |
% Foreign Born | 3.0% | -6.2% |
Mortgage and Risk — Oshkosh, WI
According to HUD data as of 2023, there were 335 mortgage originations in Oshkosh, WI, of which 92.0% of loans were conventional mortgages. The average loan-to-value was 57.0%, with 16.0% above 90% LTV (elevated). This implies medium mortgage risk in Oshkosh, WI. Investor activity is low, as 1.0% of loans were by investors. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 335 |
% Conventional Loans | 92.0% |
% Government Loans | 8.0% |
% Investor Loans | 1.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 11.0% |
Loan Activity
Rentals and Section 8 — Oshkosh, WI
Oshkosh, WI lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 144 |
Total Units Section 8 | 132 |
% Rentals under Section 8 | 6.8% |
% Occupied Section 8 | 83.6% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $820 |
| 2 Bedroom | $195 | $875 | $1,070 |
| 3 Bedroom | N/A | N/A | $1,430 |
| 4 Bedroom | N/A | N/A | $1,600 |
Affordability — Oshkosh, WI
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.2 |
| Median Home Price | $352,000 |
| Median Household Income | $95,800 |