54103 ZIP Code — Armstrong Creek, WI

Forest County, Wisconsin

ZIP code 54103 is located in Armstrong Creek, Wisconsin, within Forest County. It covers approximately 77.04 square miles and serves a population of 499 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 715.

About ZIP code 54103

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $136,500. Owner-occupancy is high at 91%, well above the national average.

Median household income is $52,443. 56% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. An above-average commute of 36 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 24% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (22%) compared to national benchmarks.

Notable community characteristics include a notable veteran presence at 11% of civilians, above the national average of 7%.

Overall, ZIP code 54103 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

499

population

77.04

sq mi land

Standard

ZIP type

Central (CT)

timezone

54103 ZIP code map

Cities in ZIP code 54103

Below are the cities the US Postal Service accepts for ZIP code 54103. Using any city not on this list may result in mail delivery delays.

City	Status
Armstrong Creek	Acceptable
Armstrong Creek	Preferred

Nearby ZIP codes

54120 Fence (5.2 mi) 54125 Goodman (8.7 mi) 54541 Laona (12 mi) 54511 Argonne (15.4 mi) 54121 Florence (15.6 mi) 54119 Dunbar (17.6 mi) 54566 Wabeno (19.1 mi)

Demographics updated 05/2026

Population
Total population	499
Population density	6 / sq mi
State FIPS	55
County FIPS	041

Geography
Land area	77.04 sq mi
Water area	0.74 sq mi
Latitude	45.6831
Longitude	-88.4980
Timezone	Central (CT)
Area code	715

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	60.2%	52.2%	39.4%
$50k – $100k	31.4%	34.3%	33.0%
$100k – $200k	6.8%	11.7%	22.4%
Over $200k	1.6%	1.8%	5.2%

Demographics & statistics

499

Population

People per sq mi

56.6

Median age

$52,443

Median household income

$30,957

Per capita income

$136,500

Median home value

$930

Median monthly rent

90.5%

Home ownership

7.9%

Poverty rate

3.2%

Unemployment

534

Housing units

23.7%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	76	15.2%
18 and over	423	84.8%
65 and over	178	35.7%
Median age	56.6 years

Race & ethnicity

White 95.7%

Hispanic or Latino 2.2%

Other race 2.2%

Group	Count	%
White	488	95.7%
Hispanic or Latino	11	2.2%
Other race	11	2.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	60.2%	52.2%	39.4%
$50k – $100k	31.4%	34.3%	33.0%
$100k – $200k	6.8%	11.7%	22.4%
Over $200k	1.6%	1.8%	5.2%

Under $10k 3.5%

$15k–$25k 10.6%

$25k–$35k 11.6%

$35k–$50k 13.6%

$50k–$75k 19.6%

$75k–$100k 13.1%

$100k–$150k 21.6%

$150k–$200k 2.5%

$200k+ 4.0%

Range	% of households
Under $10k	3.5%
$15k–$25k	10.6%
$25k–$35k	11.6%
$35k–$50k	13.6%
$50k–$75k	19.6%
$75k–$100k	13.1%
$100k–$150k	21.6%
$150k–$200k	2.5%
$200k+	4.0%
Median income	$52,443

Housing

Home values

Under $50k 5.0%

$50k–$100k 33.3%

$100k–$150k 15.6%

$150k–$200k 18.9%

$200k–$300k 18.9%

$300k–$500k 5.6%

$500k–$1M 2.8%

Housing overview

Metric	Value
Median home value	$136,500
Median rent / month	$930
Owner occupied	90.5%
Renter occupied	9.5%
Vacant	64.0%
Single-family detached	84.8%
Large apartment buildings	0.0%
Mobile homes	14.6%
Median rooms	5.0
Avg household size (owned)	2.27

Year built

Era	%
2020 or later	0.0%
2010–2019	7.1%
2000–2009	13.9%
1990–1999	12.3%
1980–1989	8.3%
1970–1979	26.9%
1960–1969	10.7%
1950–1959	7.1%
1940–1949	7.1%
1939 or earlier	6.7%

Bedrooms

Size	% of units
No bedroom (studio)	6.7%
1 bedroom	9.9%
2 bedrooms	31.8%
3 bedrooms	40.3%
4 bedrooms	8.9%
5+ bedrooms	2.4%

Vehicles per household

Vehicles	% of households
No vehicle	2.0%
1 vehicle	30.2%
2 vehicles	25.6%
3 or more	42.2%

Heating fuel

Fuel type	%
Utility gas	0.5%
Electricity	10.6%
Propane / LP gas	52.8%
Fuel oil	0.5%
Wood	34.2%

Households & families

Household type	Count	%
Married-couple family	120	60.3%
Cohabiting couple	10	5.0%
Male householder, no spouse	25	12.6%
Female householder, no spouse	44	22.1%
Households with children under 18	42	21.1%
Households with seniors (65+)	109	54.8%
Average household size	2.31

Marital status

Status	Male	Female
Never married	18.7%	21.6%
Married	63.1%	57.3%
Separated	0.0%	2.2%
Widowed	8.4%	7.3%
Divorced	9.9%	11.6%

Education

Less than 9th grade 5.1%

Some HS, no diploma 1.7%

HS graduate 30.1%

Some college, no degree 31.8%

Associate's degree 7.6%

Bachelor's degree 21.8%

Graduate / professional 2.0%

Metric	%
HS diploma or higher	93.2%
Bachelor's or higher	23.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	6	7.4%
Kindergarten	0	0.0%
Elementary school	36	44.4%
High school	24	29.6%
College / grad school	15	18.5%

Employment

Industry of employment

Education & healthcare 23.0%

Retail trade 19.7%

Construction 12.7%

Manufacturing 12.7%

Agriculture & mining 9.4%

Arts, food & hospitality 8.0%

Public administration 6.1%

Transportation & utilities 4.2%

Other services 3.3%

Finance & real estate 0.9%

Occupation

Category	%
Management, business & arts	30.0%
Service	19.2%
Sales & office	21.1%
Natural resources & construction	22.5%
Production & transportation	7.0%

Employment type

Type	%
Private sector	72.3%
Government	21.1%
Self-employed	3.8%
Unpaid family workers	2.8%

Commute

Method	%
Drive alone	74.5%
Carpool	9.0%
Public transit	0.0%
Walk	2.8%
Work from home	13.7%
Other means	0.0%
Avg commute (minutes)	35.6

Poverty

All people 7.9%

Under 18 years 12.2%

18 and over 7.0%

Married-couple families 2.5%

Female-led households 0.0%

Income support

Source	% of households
Social Security	55.8%
Retirement income	35.2%
Supplemental Security	2.5%
Cash public assistance	2.5%
Food stamps / SNAP	9.0%

Health indicators

Condition	%
Obesity	37.2%
High blood pressure	39.7%
High cholesterol	38.7%
Diabetes	12.8%
Heart disease	9.2%
Stroke	4.4%
Asthma	10.3%
Arthritis	32.6%
Kidney disease	3.9%
Pulmonary disease	9.7%
Cancer	8.6%

Behavior / access	%
Smoking	22.4%
Binge drinking	21.0%
No physical activity	27.0%
Less than 7 hrs sleep	31.6%
Depression	21.2%
Fair or poor health	17.7%
Poor mental health	13.7%
Poor physical health	13.4%
No health insurance	12.2%
Visited doctor (checkup)	75.8%
Visited dentist	61.1%
Cholesterol screening	88.5%
Teeth loss	17.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	47	11.1%

Disability	%
Any disability	13.7%
Under 18	0.0%
18–64 years	15.4%
65 and over	18.1%

Health insurance coverage

Type	%
Private insurance	64.9%
Public insurance	46.6%
No insurance	5.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	481	96.4%
Spanish	4	0.8%
Other Indo-European	0	0.0%
Asian & Pacific Islander	4	0.8%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	495	99.2%
Born in same state	494	99.0%
Born in different state	348	69.7%
Foreign born	1	0.2%
Naturalized citizen	4	0.8%
Not a US citizen	4	100.0%

Ancestry

Ancestry	Count	%
Italian	51	10.2%
Arab	23	4.6%
Dutch	12	2.4%
French	7	1.4%
Polish	5	1%

Ancestry	Count	%
Norwegian	3	0.6%
German	2	0.4%
Irish	2	0.4%
English	2	0.4%

Technology access

Metric	% of households
Computer access	39.9%
Internet access	85.9%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 54103

What city is ZIP code 54103 in?

ZIP code 54103 is primarily assigned to Armstrong Creek, Wisconsin.

What county is ZIP code 54103 in?

ZIP code 54103 falls within Forest County, Wisconsin.

Does ZIP code 54103 have an older population?

36% of residents in ZIP code 54103 are 65 or older, above the national average of ~17%.

Does ZIP code 54103 have a large retiree population?

56% of households in ZIP code 54103 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 54103 mostly owner-occupied?

91% of occupied units in ZIP code 54103 are owner-occupied, well above the national average.

Does ZIP code 54103 have a large veteran population?

11% of civilians in ZIP code 54103 are veterans, above the national average of ~7%.

What timezone is ZIP code 54103 in?

ZIP code 54103 observes the CST timezone.