PlainZIP

Three Lakes, WI · standard

ZIP Code 54562

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

1,948
5/sq mi
$57,422
Median income
$326,300
Median home value
38.7%
Bachelor's or higher

The verdict

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

25th pct
household income, US ZIPs
Top 30%
home value, US ZIPs
5
people per sq mi
88%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 54562 against every reporting US ZIP.

ZIP code 54562 is classified by USPS as a standard delivery area and covers roughly 374.6 square miles in Three Lakes, Oneida County, Wisconsin. The area is home to 1,948 residents, producing a population density of 5 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 54562 against Wisconsin and the nation.

On the economic side, the median household income for ZIP 54562 sits at $57,422 (27% below the Wisconsin average), while per-capita income is $47,088. The poverty rate stands at 11.3% and the unemployment rate at 3.6%. On housing, the median home value is $326,300 (31% above the state average) with median rent at $828 per month, and 88.4% of occupied units are owner-occupied, a direct signal of whether 54562 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 38.7% of adults hold a bachelor's degree or higher, the median age is 60.2, and the average commute is 28 minutes. Use the benchmarks above to see where 54562 sits relative to Wisconsin and the national baseline rather than viewing the numbers in isolation. 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 54562

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 54562.

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 54562, Three 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

1,948

Population

374.6

Area (sq mi)

5

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 54562?

60.2

Median Age

49.8%

Male

50.2%

Female

3.3%

Foreign-Born

White 96.4%
African American 0.1%
Asian 0.7%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 1.0%
Hispanic or Latino 1.5%

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?

$57,422

Median Household Income

-27% vs state

$47,088

Per Capita Income

11.3%

Poverty Rate

3.6%

Unemployment Rate

28.3 min

Mean Commute Time

How ZIP 54562 ranks nationally

Household income vs. every US ZIP code

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

$57,422 25th percentile higher than 25% 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%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $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 66.0%
Bachelor's Degree or Higher 38.7%

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

What does housing look like?

2,988

Total Housing Units

984

Occupied Units

2,004

Vacant Units

2.06

Avg Household Size

Occupancy Type

Owner 88.4%
Renter 11.6%

$326,300

Median Home Value

+31% vs state

$828

Median Rent

1979

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

-7.1%

YoY Change (2024)

239

HPI Index (2000 = 100)

+139%

Total Change Since 2000

Home values in ZIP 54562 have decreased 7.1% over the past year (2024). Since 2000, this ZIP has seen +139% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.7% 177
2021 +7.6% 190
2022 +16.8% 222
2023 +15.9% 257
2024 -7.1% 239

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 90 business establishments in ZIP 54562, employing approximately 392 people with a combined annual payroll of $17,182,000.

90

Businesses

392

Employees

$17.2M

Annual Payroll

10

Industry Sectors

Industry Establishments % of Total
Retail trade 19 21.1%
Accommodation and food services 17 18.9%
Construction 14 15.6%
Other services (except public administration) 14 15.6%
Professional, scientific, and technical services 6 6.7%
Arts, entertainment, and recreation 5 5.6%
Administrative and support and waste management and remediation services 4 4.4%
Health care and social assistance 4 4.4%
Manufacturing 3 3.3%
Finance and insurance 3 3.3%

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

More ZIP Codes in Oneida County

54501 standard
Rhinelander, WI
Pop: 20,019
54548 standard
Minocqua, WI
Pop: 4,626
54531 standard
Hazelhurst, WI
Pop: 1,454
54539 standard
Lake Tomahawk, WI
Pop: 1,383
54529 standard
Harshaw, WI
Pop: 1,133
54463 standard
Pelican Lake, WI
Pop: 684

Related Areas

Oneida County Three Lakes, WI Wisconsin

Frequently Asked Questions

What county is ZIP code 54562 in? ▼
ZIP code 54562 (Three Lakes) is located in Oneida County, Wisconsin. Oneida County contains multiple ZIP codes, see the full list at /counties/oneida-wi.
What is the population of ZIP code 54562? ▼
ZIP code 54562 in Three Lakes, WI has a population of 1,948 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 54562? ▼
The median household income in ZIP 54562 is $57,422, which is 25% below the national average of $76,288.
What is the average home value in ZIP 54562? ▼
The median home value in ZIP 54562 is $326,300, which is 17% above the national average of $278,155.
What is the demographic makeup of ZIP 54562? ▼
The largest racial group in ZIP 54562 is White at 96.4%. Hispanic or Latino residents make up 1.5% of the population.
How many businesses are in ZIP code 54562? ▼
ZIP code 54562 has 90 business establishments employing approximately 392 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 54562? ▼
The top industries by establishment count in ZIP 54562 are: Retail trade (19), Accommodation and food services (17), Construction (14). There are 10 industry sectors represented in total.
How have home values changed in ZIP code 54562? ▼
According to the FHFA House Price Index, home values in ZIP 54562 decreased by 7.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 139%. 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 54562? ▼
In ZIP code 54562, 66.0% of residents aged 25+ have a high school diploma or higher, and 38.7% 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 54562? ▼
The mean commute time for workers in ZIP code 54562 is 28.3 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 54562? ▼
In ZIP code 54562, approximately 88.4% of occupied housing units are owner-occupied and 11.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 54562? ▼
The poverty rate in ZIP code 54562 is 11.3% 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 Three 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.