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
$93,341
Median income
$281,000
Median home value
41.8%
Bachelor's or higher

The verdict

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.

ZIP code 54904 is classified by USPS as a standard delivery area and covers roughly 193.3 square miles in Oshkosh, Winnebago County, Wisconsin. The area is home to 20,623 residents, producing a population density of 107 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 54904 against Wisconsin and the nation.

On the economic side, the median household income for ZIP 54904 sits at $93,341 (19% above the Wisconsin average), while per-capita income is $48,456. The poverty rate stands at 5.7% and the unemployment rate at 2.0%. On housing, the median home value is $281,000 (13% above the state average) with median rent at $940 per month, and 80.2% of occupied units are owner-occupied, a direct signal of whether 54904 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 41.8% of adults hold a bachelor's degree or higher, the median age is 46.7, and the average commute is 19 minutes. We also surface 8 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Winnebago County, so you can benchmark 54904 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 54904

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 54904.

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 54904, Oshkosh, 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

20,623

Population

193.3

Area (sq mi)

107

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 54904?

46.7

Median Age

50.4%

Male

49.6%

Female

3.2%

Foreign-Born

White 92.6%
African American 0.4%
Asian 4.2%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 2.3%
Hispanic or Latino 1.3%

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

$48,456

Per Capita Income

5.7%

Poverty Rate

2.0%

Unemployment Rate

18.9 min

Mean Commute Time

How ZIP 54904 ranks nationally

Household income vs. every US ZIP code

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

$93,341 Top 24% higher than 76% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 69.2%
Bachelor's Degree or Higher 41.8%

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

What does housing look like?

10,112

Total Housing Units

9,719

Occupied Units

393

Vacant Units

2.27

Avg Household Size

Occupancy Type

Owner 80.2%
Renter 19.8%

$281,000

Median Home Value

+13% vs state

$940

Median Rent

1992

Median Year Built

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

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.

residents

What this shows Among its immediate neighbors, ZIP 54904 ranks #3 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 54904 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 54904 ranks #2 of 8 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
54927 Butte Des Morts, WI 538 5.7 mi
54901 Oshkosh, WI 37,710 5.4 mi
54902 Oshkosh, WI 22,375 6.5 mi
54985 Winnebago, WI 836 6.5 mi
54963 Omro, WI 6,917 7.6 mi
54980 Waukau, WI 149 7.7 mi
54964 Pickett, WI 1,022 8.4 mi
54986 Winneconne, WI 4,770 9.2 mi

More ZIP Codes in Winnebago County

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.

ZIP Code Research Guides

Official Data Resources for Oshkosh, WI

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