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Market MapWisconsinEau Claire

Eau Claire County

WisconsinPopulation: 105,697
53
/100
Hold
#543 of 1,000 counties
#60 in Wisconsin (72 counties)
Analysis by RentalCalcs Research·Independent data + algorithm-driven scoring
Updated July 20, 2026Sources: Zillow ZHVI, Zillow ZORI, US Census ACS, Tax Foundation

Market Snapshot

$325,224
Median Home Price
42% above national median
$1,210/mo
Median Rent
17% below national median
4.46%
Rent-to-Price Ratio
Top 86% nationally
-$918
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Scenario comparison

Same $1,210/mo rent assumption, 20% down, 6.85% rate. What changes is the acquisition price.
ScenarioPurchase priceMonthly cash flowCap rateCash-on-cash
75% of median
value-add or distressed
$243,918-$492/mo3.9%-10.5%
Median
typical MLS deal
$325,224-$918/mo2.9%-14.7%
125% of median
newer / premium
$406,530-$1,344/mo2.3%-17.3%

Price History

Median Home Price

Median Rent

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$325,224
Down Payment (20%)$65,045
Loan Amount$260,179
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,210
Monthly P&I-$1,705
Est. Expenses (35%)-$423
Net Cash Flow-$918/mo
2.9%
Cap Rate (all cash)
-14.7%
Cash-on-Cash Return
4.46%
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 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
53/100
53
Cash Flow(30%)
37/100

Based on 4.46% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
70/100

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

Stability(25%)
50/100

Population data not available.

Affordability(20%)
60/100

Based on price relative to estimated local incomes.

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 (4.46%)
  • -Negative cash flow at typical financing (-$918/mo)
  • -Negative leverage (cap rate 2.9% < mortgage rate 6.9%)

Economic Indicators

Population
105,697
Median Income
—
Data pending
Unemployment Rate
—
Data pending
Price-to-Income
—
Data pending

Who this market fits

Best for
  • +All-cash buyers: removing debt service flips the cap rate to actual yield
Skip if
  • −You need positive cash flow on day one at typical leverage
  • −You can't tolerate negative leverage (cap rate below mortgage rate today)

Compare to Nearby Counties

CountyVerdict
WaukeshaWI
55$475,410$1,5944.02%HoldView
OzaukeeWI
55$470,334$1,7814.54%HoldView
La CrosseWI
54$314,821$1,2844.89%HoldView
CurrentEau ClaireWI
53$325,224$1,2104.46%Hold
DoorWI
52$436,515Est. pending—HoldView
AshlandWI
51$182,089Est. pending—HoldView

The Bottom Line

HoldEau Claire is a neutral market. Consider house hacking or targeting below-market deals.

Eau Claire County in Wisconsin scores 53/100, ranking #543 of 1,000 US counties (top 69%). At 20% down and current rates, a median-priced rental loses about $918/month; the 4.46% gross rent-to-price ratio doesn't survive debt service. The thesis here is appreciation, value-add, house hacking, or all-cash.

Monthly Cash Flow
$-918/mo
Cap Rate
2.9%
Cash-on-Cash
-14.7%

Related markets

Markets like Eau Claire with stronger cash flow

  • La Crosse County for cash-flow rentals
  • Ozaukee County for cash-flow rentals
  • Waukesha County for cash-flow rentals

Cheaper alternatives to Eau Claire

  • Ashland County, lower entry price
  • La Crosse County, lower entry price

Head-to-head comparisons

  • Eau Claire vs La Crosse for rentals
  • Eau Claire vs Door for rentals
  • Eau Claire vs Ashland for rentals
All counties in Wisconsin →

Rent vs buy in Wisconsin cities

Rent vs buy in Milwaukee, WIMedian $273,685 · rent $1,396/moRent vs buy in Madison, WIMedian $448,398 · rent $1,817/moRent vs buy in Green Bay, WIMedian $336,447 · rent $1,092/moRent vs buy in Appleton, WIMedian $325,896 · rent $1,259/moRent vs buy in Oshkosh, WIMedian $286,400 · rent $1,113/moAll Wisconsin citiesFull rent-vs-buy directory for the state

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