PlainZIP

Osceola, WI · standard

ZIP Code 54020

Polk County, Wisconsin — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

7,260
37/sq mi
$74,702
Median income
$306,500
Median home value
27.8%
Bachelor's or higher

The verdict

Osceola pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.

Top 46%
household income, US ZIPs
Top 33%
home value, US ZIPs
37
people per sq mi
77%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 54020 against every reporting US ZIP.

ZIP code 54020 is classified by USPS as a standard delivery area and covers roughly 196.2 square miles in Osceola, Polk County, Wisconsin. The area is home to 7,260 residents, producing a population density of 37 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 54020 against Wisconsin and the nation.

On the economic side, the median household income for ZIP 54020 sits at $74,702 (4% below the Wisconsin average), while per-capita income is $42,070. The poverty rate stands at 8.3% and the unemployment rate at 4.9%. On housing, the median home value is $306,500 (23% above the state average) with median rent at $1,022 per month, and 77.3% of occupied units are owner-occupied, a direct signal of whether 54020 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 27.8% of adults hold a bachelor's degree or higher, the median age is 42.1, and the average commute is 32 minutes. We also surface 4 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Polk County, so you can benchmark 54020 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 54020

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 54020.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 54020, Osceola, WI · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

7,260

Population

196.2

Area (sq mi)

37

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 54020?

42.1

Median Age

50.3%

Male

49.7%

Female

0.2%

Foreign-Born

White 93.8%
African American 0.3%
Asian 0.5%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.9%
Hispanic or Latino 2.0%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$74,702

Median Household Income

-4% vs state

$42,070

Per Capita Income

8.3%

Poverty Rate

4.9%

Unemployment Rate

31.8 min

Mean Commute Time

How ZIP 54020 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$74,702 Top 46% higher than 54% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 57.8%
Bachelor's Degree or Higher 27.8%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

3,588

Total Housing Units

3,359

Occupied Units

229

Vacant Units

2.27

Avg Household Size

Occupancy Type

Owner 77.3%
Renter 22.7%

$306,500

Median Home Value

+23% vs state

$1,022

Median Rent

1990

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+6.3%

YoY Change (2024)

231

HPI Index (2000 = 100)

+131%

Total Change Since 2000

Home values in ZIP 54020 have increased 6.3% over the past year (2024). Since 2000, this ZIP has seen +131% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.9% 152
2021 +12.9% 171
2022 +15.3% 197
2023 +10.2% 217
2024 +6.3% 231

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 182 business establishments in ZIP 54020, employing approximately 3,107 people with a combined annual payroll of $184,683,000.

182

Businesses

3,107

Employees

$184.7M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 22 12.1%
Other services (except public administration) 22 12.1%
Manufacturing 21 11.5%
Construction 20 11.0%
Retail trade 20 11.0%
Professional, scientific, and technical services 19 10.4%
Accommodation and food services 15 8.2%
Administrative and support and waste management and remediation services 10 5.5%
Wholesale trade 7 3.9%
Finance and insurance 7 3.9%
Real estate and rental and leasing 5 2.8%
Arts, entertainment, and recreation 5 2.8%
Information 4 2.2%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 54020 vs 54009 →

ZIP 54020 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 54020 ranks the most populous — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 54020 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 54020 ranks #5 of 5 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
54009 Dresser, WI 2,509 6.2 mi
54026 Star Prairie, WI 1,809 6.9 mi
54025 Somerset, WI 6,864 9.6 mi
55074 Shafer, MN 2,222 8.3 mi

More ZIP Codes in Polk County

54001 standard
Amery, WI
Pop: 8,155
54024 standard
Saint Croix Falls, WI
Pop: 4,811
54853 standard
Luck, WI
Pop: 4,009
54837 standard
Frederic, WI
Pop: 3,778
54005 standard
Clear Lake, WI
Pop: 3,056
54810 standard
Balsam Lake, WI
Pop: 2,512

Related Areas

Polk County Osceola, WI Wisconsin

Frequently Asked Questions

What county is ZIP code 54020 in? ▼
ZIP code 54020 (Osceola) is located in Polk County, Wisconsin. Polk County contains multiple ZIP codes, see the full list at /counties/polk-wi.
What is the population of ZIP code 54020? ▼
ZIP code 54020 in Osceola, WI has a population of 7,260 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 54020? ▼
The median household income in ZIP 54020 is $74,702, which is 2% below the national average of $76,288.
What is the average home value in ZIP 54020? ▼
The median home value in ZIP 54020 is $306,500, which is 10% above the national average of $278,155.
What is the demographic makeup of ZIP 54020? ▼
The largest racial group in ZIP 54020 is White at 93.8%. Hispanic or Latino residents make up 2.0% of the population.
How many businesses are in ZIP code 54020? ▼
ZIP code 54020 has 182 business establishments employing approximately 3,107 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 54020? ▼
The top industries by establishment count in ZIP 54020 are: Health care and social assistance (22), Other services (except public administration) (22), Manufacturing (21). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 54020? ▼
According to the FHFA House Price Index, home values in ZIP 54020 increased by 6.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 131%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 54020? ▼
In ZIP code 54020, 57.8% of residents aged 25+ have a high school diploma or higher, and 27.8% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 54020? ▼
The mean commute time for workers in ZIP code 54020 is 31.8 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 54020? ▼
In ZIP code 54020, approximately 77.3% of occupied housing units are owner-occupied and 22.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 54020? ▼
The poverty rate in ZIP code 54020 is 8.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Osceola, WI

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

Read our methodology to see how this data is sourced, computed, and verified.