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Market MapWisconsinLa Crosse

La Crosse County

WisconsinPopulation: 120,216
54
/100
Hold
#698 of 1,000 counties
#66 in Wisconsin (72 counties)

Market Snapshot

$314,821
Median Home Price
15% above national median
$1,284/mo
Median Rent
14% below national median
4.89%
Rent-to-Price Ratio
Top 79% nationally
-$815
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$314,821
Down Payment (20%)$62,964
Loan Amount$251,857
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,284
Monthly P&I-$1,650
Est. Expenses (35%)-$449
Net Cash Flow-$815/mo
3.2%
Cap Rate (all cash)
-13.5%
Cash-on-Cash Return
4.89%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.2% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
54/100
54
Cash Flow(30%)
43/100

Based on 4.89% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
64/100

Based on 1.4% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
61/100

Price-to-income ratio of 4.6x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Complete rent data available

Challenges

  • -Below-average rent-to-price ratio (4.89%)
  • -Negative cash flow at typical financing (-$815/mo)
  • -Negative leverage (cap rate 3.2% < mortgage rate 6.9%)

Economic Indicators

Population
120,216
Median Income
$68,731
vs $62,400 national est.
Unemployment Rate
—
Data pending
Price-to-Income
4.6x
Moderately affordable

Compare to Nearby Counties

CountyVerdict
DaneWI
55$448,398$1,8174.86%HoldView
WaukeshaWI
55$475,410$1,5944.02%HoldView
BrownWI
55$336,447$1,0923.89%HoldView
OzaukeeWI
55$470,334$1,7814.54%HoldView
CurrentLa CrosseWI
54$314,821$1,2844.89%Hold
SaukWI
53$323,358$1,0864.03%HoldView

The Bottom Line

HoldLa Crosse is a neutral market. Consider house hacking or targeting below-market deals.

La Crosse County in Wisconsin scores 54/100, ranking #698 of 1,000 US counties (top 70%). The 4.89% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow
$-815/mo
Cap Rate
3.2%
Cash-on-Cash
-13.5%

Ready to Analyze a Deal in La Crosse?

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