PlainZIP

Land O Lakes, WI · standard

ZIP Code 54540

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

947
4/sq mi
$68,654
Median income
$276,400
Median home value
33.5%
Bachelor's or higher

The verdict

Land O Lakes pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.

44th pct
household income, US ZIPs
Top 37%
home value, US ZIPs
4
people per sq mi
90%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 54540 against every reporting US ZIP.

ZIP code 54540 is classified by USPS as a standard delivery area and covers roughly 215.2 square miles in Land O Lakes, Vilas County, Wisconsin. The area is home to 947 residents, producing a population density of 4 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 54540 against Wisconsin and the nation.

On the economic side, the median household income for ZIP 54540 sits at $68,654 (12% below the Wisconsin average), while per-capita income is $38,854. The poverty rate stands at 3.3% and the unemployment rate at 3.9%. On housing, the median home value is $276,400 (11% above the state average) with median rent at $608 per month, and 90.0% of occupied units are owner-occupied, a direct signal of whether 54540 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 33.5% of adults hold a bachelor's degree or higher, the median age is 61.5, and the average commute is —. We also surface 2 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Vilas County, so you can benchmark 54540 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 54540

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 54540.

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 54540, Land O Lakes, 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

947

Population

215.2

Area (sq mi)

4

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 54540?

61.5

Median Age

50.2%

Male

49.8%

Female

2.4%

Foreign-Born

White 92.5%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 7.2%
Hispanic or Latino 2.4%

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?

$68,654

Median Household Income

-12% vs state

$38,854

Per Capita Income

3.3%

Poverty Rate

3.9%

Unemployment Rate

How ZIP 54540 ranks nationally

Household income vs. every US ZIP code

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

$68,654 44th percentile higher than 44% 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 58.2%
Bachelor's Degree or Higher 33.5%

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

What does housing look like?

1,486

Total Housing Units

468

Occupied Units

1,018

Vacant Units

2.07

Avg Household Size

Occupancy Type

Owner 90.0%
Renter 10.0%

$276,400

Median Home Value

+11% vs state

$608

Median Rent

1977

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

+37.7%

YoY Change (2022)

172

HPI Index (2000 = 100)

+72%

Total Change Since 2000

Home values in ZIP 54540 have increased 37.7% over the past year (2022). Since 2000, this ZIP has seen +72% cumulative appreciation.

Year Annual Change HPI Index
2018 +6.0% 115
2019 +1.1% 116
2020 +3.8% 121
2021 +3.7% 125
2022 +37.7% 172

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 2022. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 61 business establishments in ZIP 54540, employing approximately 302 people with a combined annual payroll of $11,744,000.

61

Businesses

302

Employees

$11.7M

Annual Payroll

7

Industry Sectors

Industry Establishments % of Total
Accommodation and food services 12 19.7%
Retail trade 11 18.0%
Construction 10 16.4%
Arts, entertainment, and recreation 7 11.5%
Other services (except public administration) 6 9.8%
Administrative and support and waste management and remediation services 5 8.2%
Real estate and rental and leasing 3 4.9%

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 54540 vs 54561 →

ZIP 54540 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 54540 ranks #2 by population — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
54561 Star Lake, WI 35 7.9 mi
54519 Conover, WI 1,231 9.3 mi

More ZIP Codes in Vilas County

54521 standard
Eagle River, WI
Pop: 7,509
54568 standard
Woodruff, WI
Pop: 5,198
54538 standard
Lac Du Flambeau, WI
Pop: 3,137
54558 standard
Saint Germain, WI
Pop: 2,177
54519 standard
Conover, WI
Pop: 1,231
54554 standard
Phelps, WI
Pop: 1,120

Related Areas

Vilas County Land O Lakes, WI Wisconsin

Frequently Asked Questions

What county is ZIP code 54540 in? ▼
ZIP code 54540 (Land O Lakes) is located in Vilas County, Wisconsin. Vilas County contains multiple ZIP codes, see the full list at /counties/vilas-wi.
What is the population of ZIP code 54540? ▼
ZIP code 54540 in Land O Lakes, WI has a population of 947 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 54540? ▼
The median household income in ZIP 54540 is $68,654, which is 10% below the national average of $76,288.
What is the average home value in ZIP 54540? ▼
The median home value in ZIP 54540 is $276,400, which is 1% below the national average of $278,155.
What is the demographic makeup of ZIP 54540? ▼
The largest racial group in ZIP 54540 is White at 92.5%. Hispanic or Latino residents make up 2.4% of the population.
How many businesses are in ZIP code 54540? ▼
ZIP code 54540 has 61 business establishments employing approximately 302 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 54540? ▼
The top industries by establishment count in ZIP 54540 are: Accommodation and food services (12), Retail trade (11), Construction (10). There are 7 industry sectors represented in total.
How have home values changed in ZIP code 54540? ▼
According to the FHFA House Price Index, home values in ZIP 54540 increased by 37.7% in 2022. Since 2000, home values in this ZIP have appreciated by approximately 72%. 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 54540? ▼
In ZIP code 54540, 58.2% of residents aged 25+ have a high school diploma or higher, and 33.5% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 54540? ▼
In ZIP code 54540, approximately 90.0% of occupied housing units are owner-occupied and 10.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 54540? ▼
The poverty rate in ZIP code 54540 is 3.3% 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 Land O Lakes, 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.