C+

Shell Lake, WI

Source:

Affordability Score: 62/100

Population: 3,105 · 1 ZIP codes

The affordability dashboard for Shell Lake, WI aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 3,105 residents, then layers in county-level federal data to produce an overall grade of C+ (62/100). The headline inputs are median household income of $69,342, median home value of $241,000, median rent of $644 per month, and 29.6% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $975 per month (studio $672, 1BR $743, 3BR $1,169, 4BR $1,291). Department of Labor data lists infant center-based childcare at $9,464 per year, consuming 14% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Strengths visible in the raw data for Shell Lake, WI include rent. Unemployment currently reads 1.8% and poverty 8.3% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income C
$69,342
Median household income
Education D
29.6%
Bachelor's degree or higher
Housing C-
3.5x
Home value $241,000 vs income
Commute B-
21 min
Average commute time
Rent A
$975/mo
2BR fair market rent (17% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare C
$9,464/yr
Center-based infant care (14% of income)

Income & Employment

Median Income
$69,342
▲ 12% vs national
Per Capita Income
$38,648
Unemployment Rate
1.8%
Poverty Rate
8.3%

Housing

Median Home Value
$241,000
▼ 12% vs national
Median Rent
$644/mo
Owner Occupied
84.6%
2BR Fair Market Rent
$975/mo
▼ 19% vs national

Fair Market Rents by Bedroom

Studio
$672
1BR
$743
2BR
$975
3BR
$1,169
4BR
$1,291

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
29.6%
▼ 0 ppt vs national
High School+
59.8%
Median Age
46.0
Avg. Commute
21 min
▼ 5 min vs national

Childcare Costs

Infant (Center)
$9,464/yr
14% of income
Toddler (Center)
$8,840/yr
Preschool (Center)
$8,840/yr
School-Age (Center)
$7,956/yr

What This Means

Shell Lake, WI receives an overall affordability grade of C+ (62/100), aggregated from 1 ZIP codes with a total population of 3,105. This area performs well in rent. Data was unavailable for safety — these dimensions were excluded from the overall score.

Nearby City Dashboards

Explore Shell Lake ZIP Codes
View all 1 ZIP codes with demographics and individual scorecards
View ZIPs →

What are common questions about this dashboard?

Is Shell Lake, WI affordable?
Shell Lake, WI receives an overall affordability grade of C+ (62/100) based on Census, HUD, FBI, and DOL data. Median household income is $69,342. Median home value is $241,000.
What is the cost of living in Shell Lake?
Key cost metrics: Median rent $644/mo. 2BR fair market rent $975/mo. Infant childcare $9,464/yr. Median home value $241,000.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →