Is Saint Croix County, WI good for real estate investing?

Saint Croix County has an investment score of 56/100, rated as "Hold". The county ranks #361 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Saint Croix?

The rent-to-price ratio in Saint Croix County is 5.14% annually, which ranks in the 29th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Saint Croix?

The median home price in Saint Croix County is $401,930. This ranks #774 in affordability among all US counties.

Can you cash flow on rental properties in Saint Croix?

Based on median values with 20% down at current rates, a typical rental in Saint Croix County would generate negative cash flow of $988/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Saint Croix County

WisconsinPopulation: 93,752Minneapolis, MN Metro

/100

Hold

#361 of 1,000 counties

#52 in Wisconsin (72 counties)

Market Snapshot

$401,930

Median Home Price

41% above national median

$1,721/mo

Median Rent

11% above national median

5.14%

Rent-to-Price Ratio

Top 71% nationally

-$988

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

Down Payment20%

5%50%100%

Purchase

Purchase Price$401,930

Down Payment (20%)$80,386

Loan Amount$321,544

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,721

Monthly P&I-$2,107

Est. Expenses (35%)-$602

Net Cash Flow-$988/mo

3.3%

Cap Rate (all cash)

-12.8%

Cash-on-Cash Return

5.14%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 3.3% 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 Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

56/100

Cash Flow(30%)

47/100

Based on 5.14% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

63/100

Based on 1.3% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

68/100

Price-to-income ratio of 4.1x. 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 (5.14%)
-Negative cash flow at typical financing (-$988/mo)
-Negative leverage (cap rate 3.3% < mortgage rate 6.9%)

Economic Indicators

Population

93,752

Median Income

$97,950

vs $65,157 national est.

Unemployment Rate

—

Data pending

Price-to-Income

4.1x

Moderately affordable

Compare to Nearby Counties

County					Verdict
JeffersonWI	57	$346,047	$1,257	4.36%	Hold	View
CurrentSaint CroixWI	56	$401,930	$1,721	5.14%	Hold
DoorWI	56	$418,951	Est. pending	—	Hold
OzaukeeWI	55	$470,334	$1,781	4.54%	Hold	View
DaneWI	55	$448,398	$1,817	4.86%	Hold
WaukeshaWI	55	$475,410	$1,594	4.02%	Hold

The Bottom Line

HoldSaint Croix is a neutral market. Consider house hacking or targeting below-market deals.

Saint Croix County in Wisconsin scores 56/100, ranking #361 of 1,000 US counties (top 57%). The 5.14% 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

$-988/mo

Cap Rate

3.3%

Cash-on-Cash

-12.8%

Ready to Analyze a Deal in Saint Croix?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

Explore Other Markets

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$401,930

Down Payment (20%)$80,386

Loan Amount$321,544

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,721

Monthly P&I-$2,107

Est. Expenses (35%)-$602

Net Cash Flow-$988/mo

3.3%

Cap Rate (all cash)

-12.8%

Cash-on-Cash Return

5.14%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 3.3% 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 Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

56/100

Cash Flow(30%)

47/100

Based on 5.14% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

63/100

Based on 1.3% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

68/100

Price-to-income ratio of 4.1x. Lower ratios indicate more affordable markets.

County

Verdict

JeffersonWI

$346,047

$1,257

4.36%

Hold

View

CurrentSaint CroixWI

$401,930

$1,721

5.14%

Hold

DoorWI

$418,951

Est. pending

—

Hold

OzaukeeWI

$470,334

$1,781

4.54%

Hold

View

DaneWI

$448,398

$1,817

4.86%

Hold

WaukeshaWI

$475,410

$1,594

4.02%

Hold

The Bottom Line

HoldSaint Croix is a neutral market. Consider house hacking or targeting below-market deals.

Monthly Cash Flow

$-988/mo

Cap Rate

3.3%

Cash-on-Cash

-12.8%