Oshkosh, WI · standard
ZIP Code 54904
Winnebago County, Wisconsin - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 20,623
- 107/sq mi High-density area
- $93,341
- Median income Above-median income area
- $281,000
- Median home value Near-median home value
- 41.8%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Oshkosh pairs an upper-quartile household income with above-median home values, in a rural, homeowner-dominated area.
- Top 24%
- household income, US ZIPs
- Top 37%
- home value, US ZIPs
- 107
- people per sq mi
- 80%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 54904 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 54904 (Oshkosh, WI) rose +5.8% from 2023 to 2024. The all-transactions index moved from 205.6 in 2023 to 217.6 in 2024 (2000 = 100).
ZIP code 54904 is a densely settled ZIP (a standard USPS delivery area) in Oshkosh, Winnebago County, Wisconsin, with 20,623 residents across 193.3 square miles, a density of 107 people per square mile, in the Chicago time zone.
ZIP 54904 lands in the middle-income range, with a median household income of $93,341 (19% above the average Wisconsin ZIP), while per-capita income is $48,456. Both reported hardship measures are comparatively low in absolute terms: poverty is 5.7% and unemployment is 2.0%. Median home value is $281,000 (13% above the average Wisconsin ZIP) and median rent is $940; 80.2% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 41.8% of adults hold a bachelor's degree or higher, the median age is 46.7, and the average commute is 19 minutes. The page also surfaces 8 ZIP codes within roughly 10 miles and 6 more in Winnebago County, so 54904 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 54904
Top 5 sectors by establishment count in Oshkosh, WI
Which industries have the most business establishments in ZIP 54904.
- Health care and social assistance
Health care and social assistance
94 establishments
- Retail trade
Retail trade
88 establishments
- Construction
Construction
58 establishments
- Other services (except public administration)
Other services (except public administration)
47 establishments
- Finance and insurance 36
Finance and insurance
36 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 54904, Oshkosh, WI · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
20,623
Population
193.3
Area (sq mi)
107
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 54904?
46.7
Median Age
50.4%
Male
49.6%
Female
3.2%
Foreign-Born
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?
$93,341
Median Household Income
+19% vs state ZIP avg
$48,456
Per Capita Income
5.7%
Poverty Rate
2.0%
Unemployment Rate
18.9 min
Mean Commute Time
How ZIP 54904 ranks among Wisconsin ZIPs
Oshkosh, WI household income vs. every Wisconsin ZIP code
Median household income among 755 reporting Wisconsin ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$93,341 Top 20% higher than 80% of 755 Wisconsin ZIPs
Each bar is a $20K-wide band; taller bars hold more Wisconsin 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
10,112housing units
10,112
Total Housing Units
9,719
Occupied Units
393
Vacant Units
2.27
Avg Household Size
Occupancy Type
$281,000
Median Home Value
+13% vs state ZIP avg
$940
Median Rent
1992
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
+5.8%
YoY Change (2024)
218
HPI Index (2000 = 100)
+118%
Total Change Since 2000
Home values in ZIP 54904 have increased 5.8% over the past year (2024). Since 2000, this ZIP has seen +118% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.3% | 146 |
| 2021 | +9.8% | 160 |
| 2022 | +17.3% | 188 |
| 2023 | +9.6% | 206 |
| 2024 | +5.8% | 218 |
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 543 business establishments in ZIP 54904, employing approximately 12,478 people with a combined annual payroll of $634,808,000.
543
Businesses
12,478
Employees
$634.8M
Annual Payroll
17
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 94 | 17.3% |
| Retail trade | 88 | 16.2% |
| Construction | 58 | 10.7% |
| Other services (except public administration) | 47 | 8.7% |
| Finance and insurance | 36 | 6.6% |
| Accommodation and food services | 35 | 6.5% |
| Professional, scientific, and technical services | 32 | 5.9% |
| Administrative and support and waste management and remediation services | 31 | 5.7% |
| Manufacturing | 27 | 5.0% |
| Real estate and rental and leasing | 27 | 5.0% |
| Transportation and warehousing | 22 | 4.0% |
| Wholesale trade | 20 | 3.7% |
| Arts, entertainment, and recreation | 7 | 1.3% |
| Management of companies and enterprises | 6 | 1.1% |
| Educational services | 6 | 1.1% |
| Information | 4 | 0.7% |
| Agriculture, forestry, fishing and hunting | 3 | 0.6% |
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 54904 vs 54927 →
ZIP 54904 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 54901
Oshkosh (54901)
37,710 residents
- 54902
Oshkosh (54902)
22,375 residents
- 54904
Oshkosh (54904)
20,623 residents
- 54963 6,917
Omro (54963)
6,917 residents
- 54986 4,770
Winneconne (54986)
4,770 residents
- 54964 1,022
Pickett (54964)
1,022 residents
- 54985 836
Winnebago (54985)
836 residents
- 54927 538
Butte Des Morts (54927)
538 residents
- 54980 149
Waukau (54980)
149 residents
What this shows Among its immediate neighbors, ZIP 54904 ranks #3 by population - useful context the national average alone can't give.
ZIP 54904 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 54927
Butte Des Morts (54927)
$128,523 median income
- 54904
Oshkosh (54904)
$93,341 median income
- 54986
Winneconne (54986)
$93,189 median income
- 54963
Omro (54963)
$86,227 median income
- 54964
Pickett (54964)
$82,857 median income
- 54902
Oshkosh (54902)
$65,612 median income
- 54901
Oshkosh (54901)
$61,794 median income
- 54980 $31,711
Waukau (54980)
$31,711 median income
What this shows By household income, ZIP 54904 ranks #2 of 8 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 54904, both outside WI so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (20,623 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Winnebago County
Related Areas
Frequently Asked Questions
What county is ZIP code 54904 in?
ZIP code 54904 (Oshkosh) is located in Winnebago County, Wisconsin. Winnebago County contains multiple ZIP codes, see the full list at /counties/winnebago-wi.
What is the population of ZIP code 54904?
ZIP code 54904 in Oshkosh, WI has a population of 20,623 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 54904?
The median household income in ZIP 54904 is $93,341, which is 22% above the national average of $76,288.
What is the average home value in ZIP 54904?
The median home value in ZIP 54904 is $281,000, which is 1% above the national average of $278,155.
What is the demographic makeup of ZIP 54904?
The largest racial group in ZIP 54904 is White at 92.6%. Hispanic or Latino residents make up 1.3% of the population.
How many businesses are in ZIP code 54904?
ZIP code 54904 has 543 business establishments employing approximately 12,478 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 54904?
The top industries by establishment count in ZIP 54904 are: Health care and social assistance (94), Retail trade (88), Construction (58). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 54904?
According to the FHFA House Price Index, home values in ZIP 54904 increased by 5.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 118%. 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 54904?
In ZIP code 54904, 69.2% of residents aged 25+ have a high school diploma or higher, and 41.8% 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 54904?
The mean commute time for workers in ZIP code 54904 is 18.9 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 54904?
In ZIP code 54904, approximately 80.2% of occupied housing units are owner-occupied and 19.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 54904?
The poverty rate in ZIP code 54904 is 5.7% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 54904's numbers, next.
- See how ZIP 54904 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Oshkosh, WI ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.