{"area":{"county":"Trempealeau County","state":"WI","stateName":"Wisconsin","slug":"trempealeau-wi","metro":null},"homeValue":{"series":[{"date":"2021-04-01","value":189027},{"date":"2021-07-01","value":195412},{"date":"2021-10-01","value":200925},{"date":"2022-01-01","value":208283},{"date":"2022-04-01","value":214773},{"date":"2022-07-01","value":216700},{"date":"2022-10-01","value":220356},{"date":"2023-01-01","value":223400},{"date":"2023-04-01","value":229041},{"date":"2023-07-01","value":235647},{"date":"2023-10-01","value":239548},{"date":"2024-01-01","value":244746},{"date":"2024-04-01","value":247744},{"date":"2024-07-01","value":251370},{"date":"2024-10-01","value":255730},{"date":"2025-01-01","value":260596},{"date":"2025-04-01","value":263350},{"date":"2025-07-01","value":266452},{"date":"2025-10-01","value":270172},{"date":"2026-01-01","value":272972},{"date":"2026-04-01","value":276040}],"latest":276040,"yoy":4.8186823618758305,"fiveYr":46.03204833171981,"sinceStart":374.21405256828723,"modeled":true},"rent":{"series":[{"date":"2026-11-01","value":1059}],"latest":1059,"yoy":null,"fiveYr":null,"sinceStart":null,"modeled":true},"census":{"medianIncome":76313,"population":30839,"povertyRate":9.917382574635463,"medianHomeValue":216700,"medianGrossRent":949,"medianPropertyTax":3372},"hud":{"county":"Trempealeau County","year":"2027","perUnit":1059,"bedrooms":2,"estimated":false,"baseBedrooms":2},"crime":{"scope":"state","state":"Wisconsin","period":"06-2024 to 05-2026","window":{"from":"06-2024","to":"05-2026","fellBack":false},"violentCrime":{"total":26633,"ratePer100k":222.95286940585694},"propertyCrime":{"total":112965,"ratePer100k":945.6640593411418},"note":"State-level totals from the FBI CDE summarized offense endpoint."},"crimeVintage":{"from":"06-2024","to":"05-2026","fellBack":false},"priceToRentRatio":21.7,"ratioVerdict":"Favors renting — price is high relative to rent","priceCagr":7.868375512126913,"rentCagr":3,"cashFlow":{"price":276040,"monthlyRent":1059,"grossRent":1059,"downPct":20,"ratePct":6.75,"units":1,"state":"WI","down":55208,"loan":220832,"mortgagePI":1432.312148613522,"monthlyTax":357.93186666666674,"taxRatePct":1.556,"taxRateSource":"Census ACS county effective rate 1.56% ($3,372 tax ÷ $216,700 ACS median), applied to current value","monthlyInsurance":96.61399999999999,"insuranceRatePct":0.42,"insuranceBasis":"Insurance: state-level estimate (WI avg 0.42%/yr)","insuranceHighRisk":false,"vacancyPct":5,"vacancyLoss":52.95,"egi":1006.05,"mgmtPct":10,"monthlyMgmt":105.9,"maintenancePct":5,"monthlyMaint":52.95,"capexPct":5,"monthlyCapex":52.95,"hoaMonthly":0,"monthlyHoa":0,"operatingExpenses":666.3458666666668,"noi":339.7041333333332,"totalExpenses":2098.658015280189,"cashFlow":-1092.6080152801887,"annualCf":-13111.296183362265,"cocReturn":-23.748906287788483,"capRate":1.4767604694971737},"resilience":{"scenarios":[{"id":"rentDown","label":"Rent drops 10%","kind":"standard","detail":"Standard assumption","cashFlow":-1172.0330152801885,"delta":-79,"survives":false},{"id":"vacancy","label":"Vacancy stretches to 8%","kind":"standard","detail":"Standard assumption","cashFlow":-1124.3780152801887,"delta":-32,"survives":false},{"id":"insurance","label":"Insurance costs rise 25%","kind":"standard","detail":"Standard assumption","cashFlow":-1116.7615152801886,"delta":-24,"survives":false},{"id":"rateReset","label":"If financed at 8.25% instead","kind":"standard","detail":"Fixed-rate comparison — the deal if you'd borrowed at a higher rate today; your actual fixed payment never resets","cashFlow":-1319.332933724405,"delta":-227,"survives":false},{"id":"historyHome","label":"Worst market shock in available history (since 1991-01-01) (home values −5.3% over 12 months)","kind":"history","detail":"History-derived proxy: worst decline found in any window of up to 12 months in the state FHFA home-value series, 2009-01-01 → 2010-01-01, applied to rent","cashFlow":-1134.5397813489303,"delta":-42,"survives":false}],"survived":0,"total":5,"score":0,"worstCashFlow":-1319.332933724405,"baselineCashFlow":-1092.6080152801887,"framing":"underwater","confidenceLabel":"crosscheck","omitted":[],"note":"Each scenario re-runs the same verified cash-flow engine with one shock applied, then re-checks the cash-flow identity before display. Standard shocks are fixed assumptions; the history-derived scenario is this market's own worst observed 12-month decline. Estimates only — not a guarantee of performance."},"rentVsBuy":{"years":7,"priceCagr":7.868375512126913,"rentCagr":3,"totalRentPaid":97374.56939397493,"totalCashOutlay":247399.41912602467,"insuranceBasis":"Insurance: state-level estimate (WI avg 0.42%/yr)","homeValueAfter":469062.7951122334,"equityBuilt":268575.0020504176,"netCostOfBuying":34032.41707560708,"buyingCheaper":true,"savings":63342.15231836785},"priceToIncome":{"ratio":3.617208077260755,"price":276040,"medianIncome":76313,"label":"Moderate (3–5x — tighter budgets)"},"countyTaxRatePct":1.556,"countyTaxSource":"Census ACS county effective rate 1.56% ($3,372 tax ÷ $216,700 ACS median), applied to current value","dataCheck":{"status":"crosscheck","checks":[{"metric":"home value (vintage update)","primary":276040,"secondary":216700,"primarySource":"current estimate (ACS county median × FHFA state HPI growth)","secondarySource":"raw ACS 2023 county median (as measured ~2021)","ratio":1.27,"grade":"crosscheck","consistent":false,"hidePoint":false},{"metric":"HUD fair market rent","primary":1059,"secondary":949,"primarySource":"HUD FMR (county)","secondarySource":"Census ACS (county gross rent)","ratio":1.12,"grade":"verified","consistent":true,"hidePoint":false}],"confidence":{"homeValue":{"label":"crosscheck","ratio":1.27,"sources":["current estimate (ACS county median × FHFA state HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":216700,"high":276040}},"rent":{"label":"verified","ratio":1.12,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":false,"range":{"low":949,"high":1059}},"income":{"label":"estimate","sources":["Census ACS"]},"crime":{"label":"estimate","sources":["FBI CDE"]}},"note":"Every headline metric is checked against a second figure, and each check names its own basis. The rent and property-price checks pair genuinely independent datasets (HUD FMR vs Census ACS gross rent; your price vs the county estimate). The home-value check compares our current estimate (ACS county median updated by the FHFA state index) against the raw ACS 2023 median — its spread reflects price movement since the ACS measurement period (~2021), not disagreement between unrelated sources. 'Verified' means the two figures agree within 15%; 'Cross-checked' means they diverge more than 15%; 'Divergent' flags a >2x difference. A spread beyond 35% is too wide to defend a single point — the headline shows the source range instead, flagged 'sources disagree'."},"integrity":{"status":"pass","checks":[{"name":"home value freshness","status":"pass","detail":"latest 2026-04-01 (227d old — current for quarterly cadence)"},{"name":"home value card↔chart","status":"pass","detail":"card matches chart"},{"name":"home value growth window","status":"pass","detail":"growth matches the 5.0yr available window"},{"name":"rent freshness","status":"pass","detail":"latest 2026-11-01 (13d old — current for monthly cadence)"},{"name":"rent card↔chart","status":"pass","detail":"card matches chart"},{"name":"cash flow identity","status":"pass","detail":"NOI − P&I = cash flow"},{"name":"cash-on-cash","status":"pass","detail":"annual CF ÷ down matches"},{"name":"cap rate","status":"pass","detail":"NOI×12 ÷ price matches"},{"name":"price-to-rent","status":"pass","detail":"price ÷ (rent×12) matches"},{"name":"income plausibility","status":"pass","detail":"within expected range"},{"name":"price-to-income","status":"pass","detail":"price ÷ income matches"},{"name":"buy-vs-rent: home value at term","status":"pass","detail":"compounds at 7.9%/yr"},{"name":"buy-vs-rent: total rent paid","status":"pass","detail":"geometric series matches"},{"name":"buy-vs-rent: equity built","status":"pass","detail":"home value − loan balance matches"},{"name":"buy-vs-rent: net cost","status":"pass","detail":"outlay − equity gain matches"},{"name":"buy-vs-rent: savings & verdict","status":"pass","detail":"savings = rent − net cost, verdict matches"}],"summary":"16/16 verified","freshness":{"homeValue":{"date":"2026-04-01","ageDays":227,"cadence":"quarterly","current":true},"rent":{"date":"2026-11-01","ageDays":13,"cadence":"monthly","current":true}}},"confidence":{"homeValue":{"label":"crosscheck","ratio":1.27,"sources":["current estimate (ACS county median × FHFA state HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":216700,"high":276040}},"rent":{"label":"verified","ratio":1.12,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":false,"range":{"low":949,"high":1059}},"income":{"label":"estimate","sources":["Census ACS"]},"crime":{"label":"estimate","sources":["FBI CDE"]}},"verdict":"Trempealeau County, WI is appreciation-driven for owning: at a 21.7x price-to-rent ratio, the math favors renting — monthly investor cash flow is typically thin or negative unless you buy below median or add units.","faqs":[{"q":"Is Trempealeau County, WI a good rental market?","a":"Tough for cash flow. At 21.7x, Trempealeau County is appreciation-driven — most investors here bank on equity growth, not monthly rent spread."},{"q":"What is the median home value in Trempealeau County?","a":"The typical home value in Trempealeau County is about $276,040 (county-level, Census ACS & FHFA state HPI), up 4.8% year-over-year, and up 46.0% over five years."},{"q":"What is the median rent in Trempealeau County?","a":"The typical rent in Trempealeau County is about $1,059/mo (county-level, HUD 2-bedroom benchmark bridged from Census ACS gross rent), a current modeled estimate."},{"q":"Is it cheaper to rent or buy in Trempealeau County?","a":"Over a 7-year horizon, buying is cheaper in Trempealeau County — roughly $63,342 ahead of renting, with about $268,575 in equity built."},{"q":"Is Trempealeau County affordable for homebuyers?","a":"Trempealeau County's median home value is 3.6x the local median household income — Moderate (3–5x — tighter budgets)."},{"q":"What is the property tax rate in Trempealeau County?","a":"Trempealeau County's effective property tax rate is about 1.56% of home value (Census ACS county effective rate 1.56% ($3,372 tax ÷ $216,700 ACS median), applied to current value), which on a $276,040 median home is roughly $358/mo."}],"takeaways":["The median home value in Trempealeau County, WI was $276,040 as of April 2026, up 4.8% year over year (FHFA HPI applied to the Census ACS county median).","The typical market rent in Trempealeau County, WI was $1,059/mo as of November 2026, a current modeled estimate (HUD Fair Market Rent, FY2027, bridged from Census ACS gross rent).","Trempealeau County, WI has a price-to-rent ratio of 21.7 — a high reading that favors renting over buying at the median. (Computed by Areal from the figures above.)"],"citationSources":[{"name":"U.S. Census Bureau — ACS ACS 2024 5-year estimates","url":"https://www.census.gov/programs-surveys/acs/"},{"name":"FHFA House Price Index","url":"https://www.fhfa.gov/data/hpi"},{"name":"HUD Fair Market Rent","url":"https://www.huduser.gov/portal/datasets/fmr.html"},{"name":"FBI Crime Data Explorer","url":"https://cde.ucr.cjis.gov/"}],"jsonApi":{"function":"getCountyReport","query":"slug=trempealeau-wi","url":"https://areal.studio/functions/getCountyReport?slug=trempealeau-wi"},"assumptions":{"downPct":20,"ratePct":6.75,"years":7},"dataVintage":{"pulledAt":"2026-11-14T08:49:59.234Z","homeValueBasis":"FHFA state HPI (quarterly) × ACS county anchor","rentBasis":"HUD county FMR — flat current estimate (modeled, no public trend)","zhviThrough":null,"zoriThrough":null,"fhfaHpiThrough":"2026-04-01","hpiLevel":"state","hpiMetro":null,"acsVintage":"ACS 2024 5-year estimates","acsVintageMisses":[],"hudFy":"2027","safmrFy":null},"zipAnchors":{"homeValueTier":"county-fhfa-acs","rentTier":"county-acs-hud","zhvi":null,"zori":null,"safmr":null,"countyHomeEstimate":276040,"countyFmr":1059,"countyRatio":null,"hpiLevel":"state","hpiMetro":null},"links":{"stateDir":"WI","stateName":"Wisconsin","cityPages":[],"zips":[]},"sources":["Census ACS 5-year","FHFA HPI","HUD Fair Market Rent","FBI CDE (state-level context)"]}