Metropolitan Area

Oshkosh, WI

Wisconsin0
59
/100
Hold
#548 of 894 metros
Top 61% nationally for investing

Market Snapshot

$304,543
Median Home Price
20% above national median
$1,180/mo
Median Rent
15% below national median
4.65%
Rent-to-Price Ratio
Top 81% nationally
-$920
Est. Monthly Cash Flow
With 20% down at 7.4% rate

Home values and rents: available snapshot

Only one observation is stored for Oshkosh, WI. A historical trend cannot be calculated from this snapshot.

Typical home value (ZHVI)
$304,543
Source period: 2026-05-31
Monthly rent index (ZORI)
$1,180
Source period: 2026-05-31

Stored snapshot: 2026-06-29. Source dates describe the underlying observations, not today’s market.

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$304,543
Down Payment (20%)$60,909
Loan Amount$243,634
Interest Rate7.40%

Monthly Cash Flow

Gross Rent+$1,180
Monthly P&I-$1,687
Est. Expenses (35%)-$413
Net Cash Flow-$920/mo
3.0%
Cap Rate (all cash)
-15.8%
Cash-on-Cash Return
4.65%
Rent-to-Price Ratio
Negative leverage: At 7.40% rates, borrowing costs exceed the 3.0% 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.

Score Breakdown

Overall Investment Score
59/100
59
Cash Flow(30%)
40/100

Based on 4.65% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
87/100

Based on 5.0% 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%)
65/100

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

  • +Strong price appreciation (+5.0% YoY)
  • +Low unemployment (0.0%)

Challenges

  • -Below-average rent-to-price ratio (4.65%)
  • -Negative cash flow at typical financing (-$920/mo)
  • -Negative leverage (cap rate 3.0% < mortgage rate 7.4%)

Counties in Oshkosh, WI

County data is being compiled for this metro area.

Section 8 in Oshkosh, WI: payment standards by ZIP, PHA waitlist status, and voucher counts are on VoucherMatch, the same HUD dataset with the tenant demand side attached.

Compare to Similar Metros

Metro AreaVerdict
Norwalk, OH
Norwalk, OH
79$198,411$1,4878.99%Strong BuyView
Dumas, TX
Dumas, TX
79$188,966Est.Strong BuyView
Marion, OH
Marion, OH
79$183,033$1,2678.31%Strong BuyView
Portsmouth, OH
Portsmouth, OH
79$144,773Est.Strong BuyView
Kinston, NC
Kinston, NC
79$156,285$1,0428.00%Strong BuyView
Current
Oshkosh, WI
59$304,543$1,1804.65%Hold

The Bottom Line

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

The Oshkosh, WI metro area scores 59/100, ranking #548 of 894 US metros (top 61%). The 4.65% 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
$-920/mo
Cap Rate
3.0%
Cash-on-Cash
-18.1%

Ready to Invest in Oshkosh, WI?

Use our investment calculators to run detailed numbers on specific properties, or explore individual counties for more targeted opportunities.