Best Places54837, WI Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 54837, scored on 40 measures of daily life and ranked to fit what matters to you. This page is for people who live here or already know they want to. To work out which city fits you best, start with the best places to live tool.
54837 ranks 15,166th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores best on cheap car insurance, and an overheated housing market is the weak spot.
The best neighborhoods in 54837
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
54837's strengths and weaknesses
Where 54837 ranks high
- Cheap car insuranceBetter than 90% of zip codes
- Healthcare accessBetter than 88% of zip codes
- Tree shadeBetter than 82% of zip codes
- Disaster safetyBetter than 81% of zip codes
- Crime safetyBetter than 80% of zip codes
Where 54837 ranks low
- Housing crash safetyBetter than only 13% of zip codes
- Low vacancyBetter than only 22% of zip codes
- Internet speedBetter than only 22% of zip codes
- Short commute30.9 minutes each way, better than only 24% of zip codes
- Cell coverageBetter than only 25% of zip codes
What it costs to buy a home in 54837
A household needs to earn about $58,000 a year to comfortably buy the median 54837 home, at 20% down and today's 30-year rate. That is below the area's own median income of $70,162, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 54837's effective rate of 1.11%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 10 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 54837
54837 runs older than the country, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 54837.
Who works in 54837, and how
Work in 54837 centers on manufacturing and health care & social. Unemployment is low, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 85%
- Work from home 11%
- Transit, walk, or bike 4%
Life in 54837
54837 has more parkland per resident than 99% of zip codes. That concentrates in some parts of 54837 and thins out in others, which the map shows.
What the weather is like in 54837, month by month
54837 sees roughly 85 pleasant days a year. July highs average about 82 degrees. January highs sit near 24, with lows near 7. The comfortable stretch runs May through September.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 24° | 15° | 7° |
| April | 54° | 41° | 31° |
| July | 82° | 70° | 58° |
| October | 57° | 47° | 38° |
Flying in and out of 54837
Minneapolis-St Paul International/Wold-Chamberlain sits about 67 miles away. It is a large hub and boarded 17.5 million passengers in 2025, with 195 nonstop destinations.
The best schools in and around 54837
Schools across 54837 average a C, better than 33% of zip codes.
Top elementary schools
- Shell Lake Elementary (3-6)B · 48% proficient
- Frederic ElementaryB− · 40% proficient
- Siren ElementaryC · 32% proficient
Top middle schools
- Webster MiddleB · 47% proficient
- Unity MiddleB− · 42% proficient
- Grantsburg MiddleB− · 40% proficient
Top high schools
- Shell Lake Junior/senior HighC− · 30% proficient
- Luck HighC− · 27% proficient
- Grantsburg HighC− · 27% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 54837 school and its grade on SchoolGrade.
54837 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 54837 against the other 33,109 zip codes.
Common questions about living in 54837
Is 54837 a good place to live?
Using BestNeighborhood's default rankings, 54837 ranks 15,166th of 33,110 zip codes. It scores highest on cheap car insurance, health care access, and tree cover, and lowest on an overheated housing market and empty homes. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 54837 expensive to live in?
The median home is worth $211,363. The overall cost of living runs about 11% below the national average. Set against a $70,162 median income, cost of living beats 44% of zip codes.
Is 54837 safe?
Yes, 54837 is safer than 80% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $226 per resident a year.
Compare 54837 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 54837. Scores are absolute rather than ranked, which means a 60 in 54837 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
54837 detail on BestNeighborhood maps:
- Walk Grade for 54837: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 54837: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 54837: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 54837: carrier by carrier coverage behind the cell score.
54837 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.