Waupaca, WI · standard

ZIP Code 54981

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

15,426
45/sq mi
$72,640
Median income
$218,700
Median home value
27.4%
Bachelor's or higher

The verdict

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

Top 49%
household income, US ZIPs
49th pct
home value, US ZIPs
45
people per sq mi
77%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 54981 against every reporting US ZIP.

ZIP code 54981 is classified by USPS as a standard delivery area and covers roughly 345.9 square miles in Waupaca, Waupaca County, Wisconsin. The area is home to 15,426 residents, producing a population density of 45 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 54981 against Wisconsin and the nation.

On the economic side, the median household income for ZIP 54981 sits at $72,640 (7% below the Wisconsin average), while per-capita income is $42,946. The poverty rate stands at 8.2% and the unemployment rate at 3.4%. On housing, the median home value is $218,700 (12% below the state average) with median rent at $830 per month, and 76.5% of occupied units are owner-occupied, a direct signal of whether 54981 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 27.4% of adults hold a bachelor's degree or higher, the median age is 47.3, and the average commute is 24 minutes. We also surface 3 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Waupaca County, so you can benchmark 54981 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 54981

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 54981.

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 54981, Waupaca, 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

15,426

Population

345.9

Area (sq mi)

45

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 54981?

47.3

Median Age

52.9%

Male

47.1%

Female

1.2%

Foreign-Born

White 94.0%
African American 1.1%
Asian 0.3%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.7%
Hispanic or Latino 3.9%

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?

$72,640

Median Household Income

-7% vs state

$42,946

Per Capita Income

8.2%

Poverty Rate

3.4%

Unemployment Rate

23.8 min

Mean Commute Time

How ZIP 54981 ranks nationally

Household income vs. every US ZIP code

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

$72,640 Top 49% higher than 51% 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 66.4%
Bachelor's Degree or Higher 27.4%

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

What does housing look like?

8,295

Total Housing Units

6,830

Occupied Units

1,465

Vacant Units

2.12

Avg Household Size

Occupancy Type

Owner 76.5%
Renter 23.5%

$218,700

Median Home Value

-12% vs state

$830

Median Rent

1978

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

+14.0%

YoY Change (2024)

249

HPI Index (2000 = 100)

+149%

Total Change Since 2000

Home values in ZIP 54981 have increased 14.0% over the past year (2024). Since 2000, this ZIP has seen +149% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.9% 160
2021 +14.0% 182
2022 +13.3% 206
2023 +6.2% 219
2024 +14.0% 249

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 438 business establishments in ZIP 54981, employing approximately 6,235 people with a combined annual payroll of $312,845,000.

438

Businesses

6,235

Employees

$312.8M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Retail trade 74 16.9%
Health care and social assistance 59 13.5%
Accommodation and food services 45 10.3%
Other services (except public administration) 45 10.3%
Construction 40 9.1%
Professional, scientific, and technical services 29 6.6%
Manufacturing 27 6.2%
Finance and insurance 26 5.9%
Administrative and support and waste management and remediation services 23 5.3%
Real estate and rental and leasing 16 3.6%
Arts, entertainment, and recreation 14 3.2%
Information 13 3.0%
Wholesale trade 11 2.5%
Transportation and warehousing 8 1.8%

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 54981 vs 54946 →

ZIP 54981 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 54981 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 54981 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 54981 ranks #2 of 3 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
54946 King, WI 108 1.2 mi
54977 Scandinavia, WI 1,337 9.3 mi
54984 Wild Rose, WI 2,989 10.6 mi

More ZIP Codes in Waupaca County

Frequently Asked Questions

What county is ZIP code 54981 in?
ZIP code 54981 (Waupaca) is located in Waupaca County, Wisconsin. Waupaca County contains multiple ZIP codes, see the full list at /counties/waupaca-wi.
What is the population of ZIP code 54981?
ZIP code 54981 in Waupaca, WI has a population of 15,426 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 54981?
The median household income in ZIP 54981 is $72,640, which is 5% below the national average of $76,288.
What is the average home value in ZIP 54981?
The median home value in ZIP 54981 is $218,700, which is 21% below the national average of $278,155.
What is the demographic makeup of ZIP 54981?
The largest racial group in ZIP 54981 is White at 94.0%. Hispanic or Latino residents make up 3.9% of the population.
How many businesses are in ZIP code 54981?
ZIP code 54981 has 438 business establishments employing approximately 6,235 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 54981?
The top industries by establishment count in ZIP 54981 are: Retail trade (74), Health care and social assistance (59), Accommodation and food services (45). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 54981?
According to the FHFA House Price Index, home values in ZIP 54981 increased by 14.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 149%. 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 54981?
In ZIP code 54981, 66.4% of residents aged 25+ have a high school diploma or higher, and 27.4% 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 54981?
The mean commute time for workers in ZIP code 54981 is 23.8 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 54981?
In ZIP code 54981, approximately 76.5% of occupied housing units are owner-occupied and 23.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 54981?
The poverty rate in ZIP code 54981 is 8.2% 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 Waupaca, WI

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