Metropolitan Area

Eau Claire, WI

Wisconsin0
54
/100
Hold
#661 of 894 metros
Top 74% nationally for investing

Market Snapshot

$327,164
Median Home Price
28% above national median
$1,220/mo
Median Rent
12% below national median
4.47%
Rent-to-Price Ratio
Top 85% nationally
-$922
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Median Home Price

Median Rent

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

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$327,164
Down Payment (20%)$65,433
Loan Amount$261,731
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,220
Monthly P&I-$1,715
Est. Expenses (35%)-$427
Net Cash Flow-$922/mo
2.9%
Cap Rate (all cash)
-14.7%
Cash-on-Cash Return
4.47%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 2.9% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

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Score Breakdown

Overall Investment Score
54/100
54
Cash Flow(30%)
37/100

Based on 4.47% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
73/100

Based on 2.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
60/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Low unemployment (0.0%)

Challenges

  • -Below-average rent-to-price ratio (4.47%)
  • -Negative cash flow at typical financing (-$922/mo)
  • -Negative leverage (cap rate 2.9% < mortgage rate 6.9%)

Counties in Eau Claire, WI

County data is being compiled for this metro area.

Compare to Similar Metros

Metro AreaVerdict
Cadillac, MI
Cadillac, MI
74$235,398Est.BuyView
Hutchinson, KS
Hutchinson, KS
74$156,249$8266.34%BuyView
Charleston, IL
Charleston, IL
74$150,699$7876.26%BuyView
Atchison, KS
Atchison, KS
74$185,434Est.BuyView
Cortland, NY
Cortland, NY
74$202,961$1,3087.73%BuyView
Current
Eau Claire, WI
54$327,164$1,2204.47%Hold

Rent vs buy in this metro

Rent vs buy in Eau Claire, WIMedian $309,357 · rent $1,153/mo

The Bottom Line

HoldEau Claire, WI is a neutral market. Consider house hacking or targeting below-market deals in specific counties.

The Eau Claire, WI metro area scores 54/100, ranking #661 of 894 US metros (top 74%). The 4.47% rent-to-price ratio may require targeting specific counties or creative strategies for positive cash flow. Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.

Monthly Cash Flow
$-922/mo
Cap Rate
2.9%
Cash-on-Cash
-16.9%

Ready to Invest in Eau Claire, WI?

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