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Wisconsin ZIP Codes
Vilas County
Land O Lakes, WI
54540
54540 ZIP Code — Land O Lakes, WI
Vilas County, Wisconsin
ZIP code 54540 is located in
Land O Lakes ,
Wisconsin ,
within Vilas County .
It covers approximately 79.88 square miles and serves a population of
915 residents.
This is a standard ZIP code in the Central (CT) timezone,
served by area code 715 .
About ZIP code 54540
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 $247,600. Owner-occupancy is high at 88%, well above the national average.
Median household income is $57,656. The poverty rate of 5% is below the national average. 43% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is management, business, and professional, with arts, entertainment, and food service as the leading industry. The average commute of 24 minutes is near the national average.
Educational attainment is near the national average, with 33% of residents holding a bachelor's degree or higher.
Notable community characteristics include a notable veteran presence at 13% of civilians, above the national average of 7%.
Overall, ZIP code 54540 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.
54540 ZIP code map
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Cities in ZIP code 54540
Below are the cities the US Postal Service accepts for ZIP code 54540. Using any city not on this list may result in mail delivery delays.
Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
915
Population density
11 / sq mi
State FIPS
55
County FIPS
125
Geography
Land area
79.88 sq mi
Water area
14.21 sq mi
Latitude
46.1551
Longitude
-89.3582
Timezone
Central (CT)
Area code
715
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
52.9%
49.0%
39.4%
$50k – $100k
37.3%
32.3%
33.0%
$100k – $200k
6.9%
14.4%
22.4%
Over $200k
2.9%
4.3%
5.2%
Demographics & statistics
$57,656
Median household income
$247,600
Median home value
33.0%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 73 8.0% 18 and over 842 92.0% 65 and over 280 30.6% Median age 60.2 years
Race & ethnicity
American Indian / Alaska Native
0.4%
Group Count % White 829 83.6% Two or more races 82 8.3% Hispanic or Latino 77 7.8% American Indian / Alaska Native 4 0.4%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
52.9%
49.0%
39.4%
$50k – $100k
37.3%
32.3%
33.0%
$100k – $200k
6.9%
14.4%
22.4%
Over $200k
2.9%
4.3%
5.2%
Range % of households Under $10k 3.3% $10k–$15k 1.6% $15k–$25k 8.0% $25k–$35k 11.8% $35k–$50k 18.0% $50k–$75k 27.7% $75k–$100k 13.5% $100k–$150k 10.4% $150k–$200k 1.6% $200k+ 4.2% Median income $57,656
Housing
Housing overview
Metric Value Median home value $247,600 Median rent / month $716 Owner occupied 88.0% Renter occupied 12.0% Vacant 69.8% Single-family detached 90.7% Large apartment buildings 0.0% Mobile homes 6.3% Median rooms 4.9 Avg household size (owned) 2.09
Year built
Era % 2020 or later 0.0% 2010–2019 6.4% 2000–2009 14.6% 1990–1999 14.8% 1980–1989 8.2% 1970–1979 17.7% 1960–1969 10.5% 1950–1959 12.0% 1940–1949 5.9% 1939 or earlier 9.9%
Bedrooms
Size % of units No bedroom (studio) 0.7% 1 bedroom 9.0% 2 bedrooms 40.5% 3 bedrooms 31.4% 4 bedrooms 14.6% 5+ bedrooms 3.8%
Vehicles per household
Vehicles % of households No vehicle 1.8% 1 vehicle 32.2% 2 vehicles 38.6% 3 or more 27.5%
Heating fuel
Fuel type % Utility gas 47.0% Electricity 10.6% Propane / LP gas 32.2% Wood 8.9%
Households & families
Household type Count % Married-couple family 264 58.5% Cohabiting couple 17 3.8% Male householder, no spouse 99 22.0% Female householder, no spouse 71 15.7% Households with children under 18 65 14.4% Households with seniors (65+) 212 47.0% Average household size 2.03
Marital status
Status Male Female Never married 12.0% 9.5% Married 59.9% 73.6% Separated 0.0% 2.0% Widowed 9.5% 8.8% Divorced 18.6% 6.0%
Education
Some college, no degree
28.6%
Graduate / professional
12.5%
Metric % HS diploma or higher 94.0% Bachelor's or higher 33.0%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 3 4.7% Kindergarten 0 0.0% Elementary school 31 48.4% High school 7 10.9% College / grad school 23 35.9%
Employment
Industry of employment
Arts, food & hospitality
22.8%
Finance & real estate
13.4%
Education & healthcare
11.3%
Transportation & utilities
8.9%
Professional & management
5.0%
Agriculture & mining
3.9%
Public administration
3.9%
Occupation
Category % Management, business & arts 30.4% Service 21.8% Sales & office 21.3% Natural resources & construction 8.7% Production & transportation 17.8%
Employment type
Type % Private sector 69.3% Government 15.5% Self-employed 15.2% Unpaid family workers 0.0%
Commute
Method % Drive alone 75.9% Carpool 2.4% Public transit 0.0% Walk 7.3% Work from home 13.0% Other means 1.4% Avg commute (minutes) 23.5
Poverty
Married-couple families
1.9%
Female-led households
0.0%
Income support
Source % of households Social Security 43.2% Retirement income 39.7% Supplemental Security 2.7% Cash public assistance 0.7% Food stamps / SNAP 8.0%
Health indicators
Condition % Obesity 35.5% High blood pressure 40.4% High cholesterol 42.4% Diabetes 12.1% Heart disease 8.9% Stroke 3.9% Asthma 9.6% Arthritis 32.7% Kidney disease 3.7% Pulmonary disease 8.0% Cancer 9.8%
Behavior / access % Smoking 16.9% Binge drinking 19.7% No physical activity 21.6% Less than 7 hrs sleep 28.1% Depression 18.5% Fair or poor health 14.0% Poor mental health 11.7% Poor physical health 11.3% No health insurance 8.9% Visited doctor (checkup) 78.9% Visited dentist 71.1% Cholesterol screening 91.8% Teeth loss 11.4%
Veterans & disability
Veterans Count % Civilian veterans 105 12.5%
Disability % Any disability 18.0% Under 18 0.0% 18–64 years 11.7% 65 and over 35.4%
Health insurance coverage
Type % Private insurance 76.1% Public insurance 46.6% No insurance 3.4% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 880 96.2% Spanish 0 0.0% Other Indo-European 0 0.0% Asian & Pacific Islander 0 0.0% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 883 96.5% Born in same state 879 96.1% Born in different state 411 44.9% Foreign born 4 0.4% Naturalized citizen 32 3.5% Not a US citizen 12 37.5%
Ancestry
Ancestry Count % Italian 102 11.1% Polish 75 8.2% French 65 7.1% English 13 1.4%
Ancestry Count % Norwegian 13 1.4% Arab 7 0.8% German 4 0.4% Irish 2 0.2%
Technology access
Metric % of households Computer access 49.3% Internet access 87.8%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 54540
What city is ZIP code 54540 in?
ZIP code 54540 is primarily assigned to Land O Lakes, Wisconsin.
What county is ZIP code 54540 in?
ZIP code 54540 falls within Vilas County, Wisconsin.
Does ZIP code 54540 have an older population?
31% of residents in ZIP code 54540 are 65 or older, above the national average of ~17%.
Is ZIP code 54540 mostly owner-occupied?
88% of occupied units in ZIP code 54540 are owner-occupied, well above the national average.
Does ZIP code 54540 have a large retiree population?
43% of households in ZIP code 54540 receive Social Security income, suggesting a significant retiree or disability population.
Does ZIP code 54540 have a large veteran population?
13% of civilians in ZIP code 54540 are veterans, above the national average of ~7%.
What timezone is ZIP code 54540 in?
ZIP code 54540 observes the CST timezone.
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