ZIP Code 54901 — Oshkosh, WI Home Prices (2026)
The typical home in ZIP 54901 (Oshkosh, Wisconsin) is worth about $231,000 at roughly $174 per square foot — 3% more affordable than the Oshkosh median and 21% more affordable than the typical U.S. home.
How 54901 compares
ZIP 54901 is one of the more affordable ZIP codes in Oshkosh: its typical home value of $231,000 ranks #3 of the 3 Oshkosh ZIP codes we track (the citywide range runs from $231,000 in 54901 to $369,000 in 54904). Per square foot it costs about $174, against $176 for Oshkosh as a whole, $209 for Wisconsin, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 54901 | $231,000 | $174 |
| Oshkosh, WI | $238,000 | $176 |
| Wisconsin | $317,000 | $209 |
| United States | $294,000 | $195 |
Home value by size in 54901
Using this ZIP’s rate of about $174 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $174,000 |
| 1,500 sq ft | $261,000 |
| 2,000 sq ft | $348,000 |
| 2,500 sq ft | $435,000 |
| 3,000 sq ft | $522,000 |
Salary needed to buy a home in ZIP 54901
To buy the typical $231,000 home in ZIP 54901 with 20% down, you need a household income of roughly $63,000 a year (about $1,470 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $75,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $11,600 | $1,820/mo | $78,000/yr |
| 10% (+PMI) | $23,100 | $1,740/mo | $75,000/yr |
| 20% | $46,200 | $1,470/mo | $63,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 54901
At about $174 per square foot, here is roughly how much home different budgets get you in ZIP 54901:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 860 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1150 sq ft | around the typical home here |
| $250k | 1440 sq ft | around the typical home here |
| $300k | 1720 sq ft | around the typical home here |
| $400k | 2300 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 54901 home.
Estimate a specific home in 54901
The estimator below is pre-set to ZIP 54901 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Oshkosh ZIP codes by home value
Where 54901 sits among Oshkosh’s 3 ZIP codes:
ZIP 54901 home prices: frequently asked
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See the full Oshkosh home values page, all Wisconsin cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.