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La Crosse County/Onalaska/54650

54650

ZIPSAFMR
La Crosse County, WI
Zillow

ZIP Investment Score

65Below average

095130300
BRFMR
Eff. Rent
0 BR$1,050$1,160
1 BR$1,150$1,250
2 BR$1,510$1,410
3 BR$1,930$1,730
4 BR$2,440$1,900
5 BR$2,806Not available
6 BR$3,227Not available
7 BR$3,711Not available
8 BR$4,268Not available

Purchase Price Calculator

Maximum purchase price
$147,609

Cost breakdown

+Likely effective rent$1,410
HUD FMR$1,510
Market rentUsed$1,410
Est. payment standard (96%)$1,450
-Principal and interest-$746
Loan amount$118,087
Down payment$29,522
Rate6.50%
Term30 years
-Operating costs-$464
Property taxes-$148
Insurance-$175
Utilities$0
HOA$0
Management-$141
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$22,781(77.2% ROI)
Projected value
$158,959
Return breakdown
Property appreciation+$11,350
Loan principal paid down+$4,231
Rental cash flow+$7,200
5-year hold
+$38,942(131.9% ROI)
Projected value
$167,006
Return breakdown
Property appreciation+$19,397
Loan principal paid down+$7,545
Rental cash flow+$12,000
10-year hold
+$83,320(282.2% ROI)
Projected value
$188,952
Return breakdown
Property appreciation+$41,343
Loan principal paid down+$17,977
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.75
1 BR
0.88
2 BR
1.07
3 BR
1.12
4 BR
1.28
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 54650 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 54650 (Onalaska, WI) is $1,510 a month. That is up 17.1% from $1,290 in FY 2026. Onalaska is in the La Crosse-Onalaska, WI-MN HUD Metro FMR Area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $1,343. Among 15 ZIP codes in La Crosse County, 54650 has the 2nd-highest two-bedroom rent (county range $1,050–$1,550). The median county two-bedroom FMR in Wisconsin is $1,041, so ZIP 54650 is 45% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 54650
BedroomsFY 2027Change90–110% range
Studio$1,050+18.0%$945–$1,155
1BR$1,150+17.3%$1,035–$1,265
2BR$1,510+17.1%$1,359–$1,661
3BR$1,930+14.9%$1,737–$2,123
4BR$2,440+15.6%$2,196–$2,684

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 54650
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,050$1,150$1,510$1,930$2,440
FY 2026$890$980$1,290$1,680$2,110
FY 2025$880$980$1,290$1,700$2,140
FY 2024$810$920$1,190$1,610$2,020
FY 2023$720$840$1,080$1,490$1,840

Two-bedroom rent in nearby La Crosse County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 54650
54614$1,200−20.5%
54619$1,110−26.5%
54623$1,270−15.9%
54636$1,470−2.6%
54642$1,240−17.9%
54644$1,310−13.2%
54650Current$1,510—
54653$1,320−12.6%
54656$1,050−30.5%
54658$1,250−17.2%
54667$1,210−19.9%
54669$1,550+2.6%

Questions about ZIP 54650 rents

How much will Section 8 pay for a two-bedroom in ZIP 54650?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,343, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,209 to $1,477 a month; under the ZIP-level Small Area FMR of $1,510 it would be $1,359 to $1,661. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 54650 in?

ZIP 54650 is in the La Crosse-Onalaska, WI-MN HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,343.

How much did fair market rent change in ZIP 54650 for FY 2027?

The two-bedroom FMR rose 17.1%, from $1,290 in FY 2026 to $1,510 in FY 2027. Since FY 2023 it has risen 39.8%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentOnalaska, WI fair market rentWI statewide rentsWhat is SAFMR?Data sources