54020 ZIP Code — Osceola, WI
Polk County, Wisconsin
ZIP code 54020 is located in Osceola, Wisconsin, within Polk County. It covers approximately 73.69 square miles and serves a population of 7,880 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 715.
About ZIP code 54020
The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $242,900. Owner-occupancy is high at 75%, well above the national average.
Median household income is $80,353. 34% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. The average commute of 30 minutes is near the national average.
Educational attainment is near the national average, with 28% of residents holding a bachelor's degree or higher.
Overall, ZIP code 54020 reflects a community defined by high homeownership and a significant Social Security-dependent population.
7,880
population
73.69
sq mi land
Standard
ZIP type
Central (CT)
timezone
54020 ZIP code map
Cities in ZIP code 54020
Below are the cities the US Postal Service accepts for ZIP code 54020. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Osceola | Acceptable |
| Osceola | Preferred |
Nearby ZIP codes
54009 Dresser (5.2 mi)
54026 Star Prairie (5.7 mi)
55074 Shafer (8.3 mi)
55073 Scandia (9.8 mi)
54025 Somerset (10.9 mi)
55047 Marine On Saint Croix (11.2 mi)
55045 Lindstrom (12.1 mi)
55084 Taylors Falls (12.5 mi)
54017 New Richmond (12.6 mi)
54001 Amery (13.6 mi)
55013 Chisago City (13.8 mi)
55012 Center City (13.9 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 7,880 |
| Population density | 107 / sq mi |
| State FIPS | 55 |
| County FIPS | 095 |
| Geography | |
|---|---|
| Land area | 73.69 sq mi |
| Water area | 2.68 sq mi |
| Latitude | 45.2838 |
| Longitude | -92.6310 |
| 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 | 34.9% | 39.8% | 39.4% |
| $50k – $100k | 34.5% | 35.2% | 33.0% |
| $100k – $200k | 27.5% | 22.1% | 22.4% |
| Over $200k | 3.1% | 2.9% | 5.2% |
Demographics & statistics
7,880
Population
107
People per sq mi
44.0
Median age
$80,353
Median household income
$39,641
Per capita income
$242,900
Median home value
$1,029
Median monthly rent
75.2%
Home ownership
9.1%
Poverty rate
4.2%
Unemployment
2,686
Housing units
28.0%
Bachelor's or higher
Age distribution
Male
Female
164
Under 5
163
222
5–9
221
331
10–14
330
274
15–19
274
190
20–24
190
405
25–34
403
412
35–44
410
600
45–54
599
309
55–59
308
274
60–64
273
459
65–74
458
228
75–84
227
78
85+
78
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 1,780 | 22.6% |
| 18 and over | 6,100 | 77.4% |
| 65 and over | 1,528 | 19.4% |
| Median age | 44.0 years | |
Race & ethnicity
White
93.9%
Two or more races
3.1%
Hispanic or Latino
1.6%
Other race
0.5%
Black or African American
0.5%
Asian
0.2%
American Indian / Alaska Native
0.1%
| Group | Count | % |
|---|---|---|
| White | 7,522 | 93.9% |
| Two or more races | 250 | 3.1% |
| Hispanic or Latino | 129 | 1.6% |
| Other race | 43 | 0.5% |
| Black or African American | 41 | 0.5% |
| Asian | 15 | 0.2% |
| American Indian / Alaska Native | 9 | 0.1% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 34.9% | 39.8% | 39.4% |
| $50k – $100k | 34.5% | 35.2% | 33.0% |
| $100k – $200k | 27.5% | 22.1% | 22.4% |
| Over $200k | 3.1% | 2.9% | 5.2% |
Under $10k
2.9%
$10k–$15k
3.3%
$15k–$25k
6.6%
$25k–$35k
7.9%
$35k–$50k
10.2%
$50k–$75k
15.4%
$75k–$100k
16.0%
$100k–$150k
20.4%
$150k–$200k
9.8%
$200k+
7.5%
| Range | % of households |
|---|---|
| Under $10k | 2.9% |
| $10k–$15k | 3.3% |
| $15k–$25k | 6.6% |
| $25k–$35k | 7.9% |
| $35k–$50k | 10.2% |
| $50k–$75k | 15.4% |
| $75k–$100k | 16.0% |
| $100k–$150k | 20.4% |
| $150k–$200k | 9.8% |
| $200k+ | 7.5% |
| Median income | $80,353 |
Housing
Home values
Under $50k
3.4%
$50k–$100k
2.5%
$100k–$150k
7.1%
$150k–$200k
19.0%
$200k–$300k
33.8%
$300k–$500k
26.0%
$500k–$1M
7.6%
$1M+
0.6%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $242,900 |
| Median rent / month | $1,029 |
| Owner occupied | 75.2% |
| Renter occupied | 24.8% |
| Vacant | 6.9% |
| Single-family detached | 72.3% |
| Large apartment buildings | 5.2% |
| Mobile homes | 3.7% |
| Median rooms | 5.8 |
| Avg household size (owned) | 2.60 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.2% |
| 2010–2019 | 6.7% |
| 2000–2009 | 21.3% |
| 1990–1999 | 22.8% |
| 1980–1989 | 11.1% |
| 1970–1979 | 12.7% |
| 1960–1969 | 5.5% |
| 1950–1959 | 4.8% |
| 1940–1949 | 1.4% |
| 1939 or earlier | 13.6% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 1.1% |
| 1 bedroom | 6.2% |
| 2 bedrooms | 33.4% |
| 3 bedrooms | 36.3% |
| 4 bedrooms | 17.4% |
| 5+ bedrooms | 5.6% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 4.3% |
| 1 vehicle | 23.4% |
| 2 vehicles | 42.2% |
| 3 or more | 30.0% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 38.1% |
| Electricity | 21.5% |
| Propane / LP gas | 31.5% |
| Fuel oil | 1.2% |
| Wood | 4.5% |
| Solar | 0.1% |
| No fuel used | 0.8% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 1,858 | 57.2% |
| Cohabiting couple | 228 | 7.0% |
| Male householder, no spouse | 450 | 13.8% |
| Female householder, no spouse | 714 | 22.0% |
| Households with children under 18 | 845 | 26.0% |
| Households with seniors (65+) | 1,123 | 34.6% |
| Average household size | 2.40 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 29.9% | 20.8% |
| Married | 55.9% | 56.3% |
| Separated | 0.0% | 1.1% |
| Widowed | 1.7% | 7.9% |
| Divorced | 12.5% | 14.0% |
Education
Less than 9th grade
0.7%
Some HS, no diploma
3.7%
HS graduate
30.8%
Some college, no degree
23.9%
Associate's degree
12.9%
Bachelor's degree
20.2%
Graduate / professional
7.8%
| Metric | % |
|---|---|
| HS diploma or higher | 95.6% |
| Bachelor's or higher | 28.0% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 77 | 4.4% |
| Kindergarten | 99 | 5.7% |
| Elementary school | 877 | 50.1% |
| High school | 467 | 26.7% |
| College / grad school | 229 | 13.1% |
Employment
Industry of employment
Manufacturing
27.4%
Education & healthcare
21.4%
Retail trade
10.3%
Construction
7.4%
Professional & management
6.3%
Arts, food & hospitality
5.8%
Finance & real estate
4.5%
Public administration
4.5%
Other services
4.3%
Wholesale trade
3.3%
Transportation & utilities
3.0%
Agriculture & mining
1.4%
Information
0.3%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 35.6% |
| Service | 12.5% |
| Sales & office | 15.6% |
| Natural resources & construction | 9.4% |
| Production & transportation | 26.9% |
Employment type
| Type | % |
|---|---|
| Private sector | 84.6% |
| Government | 10.4% |
| Self-employed | 4.6% |
| Unpaid family workers | 0.4% |
Commute
| Method | % |
|---|---|
| Drive alone | 80.2% |
| Carpool | 7.0% |
| Public transit | 0.0% |
| Walk | 1.0% |
| Work from home | 11.1% |
| Other means | 0.7% |
| Avg commute (minutes) | 29.6 |
Poverty
All people
9.1%
Under 18 years
13.9%
18 and over
7.7%
Married-couple families
2.7%
Female-led households
42.8%
Income support
| Source | % of households |
|---|---|
| Social Security | 34.2% |
| Retirement income | 28.3% |
| Supplemental Security | 5.5% |
| Cash public assistance | 1.0% |
| Food stamps / SNAP | 9.5% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 32.0% |
| High blood pressure | 29.4% |
| High cholesterol | 32.4% |
| Diabetes | 7.9% |
| Heart disease | 5.1% |
| Stroke | 2.4% |
| Asthma | 9.6% |
| Arthritis | 21.9% |
| Kidney disease | 2.4% |
| Pulmonary disease | 5.4% |
| Cancer | 6.2% |
| Behavior / access | % |
|---|---|
| Smoking | 17.1% |
| Binge drinking | 26.2% |
| No physical activity | 18.9% |
| Less than 7 hrs sleep | 29.7% |
| Depression | 20.5% |
| Fair or poor health | 10.5% |
| Poor mental health | 13.5% |
| Poor physical health | 9.1% |
| No health insurance | 9.4% |
| Visited doctor (checkup) | 72.1% |
| Visited dentist | 72.3% |
| Cholesterol screening | 87.3% |
| Teeth loss | 10.2% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 440 | 7.2% |
| Disability | % |
|---|---|
| Any disability | 13.9% |
| Under 18 | 5.6% |
| 18–64 years | 10.7% |
| 65 and over | 34.1% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 76.3% |
| Public insurance | 34.4% |
| No insurance | 3.3% |
| Uninsured under 19 | 3.7% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 7,553 | 95.9% |
| Spanish | 10 | 0.1% |
| Other Indo-European | 5 | 0.1% |
| Asian & Pacific Islander | 0 | 0.0% |
| Other languages | 5 | 0.1% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 7,849 | 99.6% |
| Born in same state | 7,825 | 99.3% |
| Born in different state | 3,624 | 46.0% |
| Foreign born | 24 | 0.3% |
| Naturalized citizen | 31 | 0.4% |
| Not a US citizen | 13 | 41.9% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Polish | 1,349 | 17.1% |
| Italian | 719 | 9.1% |
| Arab | 463 | 5.9% |
| French | 395 | 5% |
| Ancestry | Count | % |
|---|---|---|
| German | 224 | 2.8% |
| Dutch | 189 | 2.4% |
| English | 42 | 0.5% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 41.2% |
| Internet access | 91.9% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 54020
What city is ZIP code 54020 in?
ZIP code 54020 is primarily assigned to Osceola, Wisconsin.
What county is ZIP code 54020 in?
ZIP code 54020 falls within Polk County, Wisconsin.
What is the population of ZIP code 54020?
ZIP code 54020 has an estimated population of 7,880 residents, with a density of 107 people per square mile.
What is the median household income in ZIP code 54020?
The median household income in ZIP code 54020 is $80,353, above the national median of ~$75,000.
What is the typical home value in ZIP code 54020?
The median home value in ZIP code 54020 is $242,900.
What timezone is ZIP code 54020 in?
ZIP code 54020 observes the CST timezone.