%
CapRateCity
Free cap rate calculators for every US market
MarketsWisconsinOshkosh

Cap Rate Analysis: Oshkosh, WI

Investment metrics, interactive calculators, and data-driven analysis for Oshkosh rental properties.

Market data powered by Zillow Home Value Index (ZHVI) and Zillow Observed Rent Index (ZORI) · Updated Feb 2026

Challenging for pure cash flow
Based on $290,000 median price and $1,100/mo median rent
Est. Cap Rate
1.62%
1% Rule
0.38%
Fails
GRM
22.0x
Price / Income
5.4x

Market Data

Median Home Price$290,000
Median Monthly Rent$1,100
Property Tax Rate1.88%
Population50,000
Population Growth0.5% / yr
Median Household Income$53,700
Vacancy Rate5.5%
Annual Appreciation2.4%

Cap Rate Calculator — Oshkosh

Pre-filled with Oshkosh medians. Adjust to match a specific property.

Property Details
$
$
3–8% typical
%
Monthly Expenses
1.88% rate
$
$
8–10% of rent
$
8–12% of rent
$
Cap Rate
1.20%Low
Net Operating Income ÷ Purchase Price
NOI / Year
$3,486
net operating income
Gross Rent Multiplier
22.0x
High (>15)
1% Rule
0.38%
✗ Fails
Monthly Cash Flow
$291
before debt service
Annual Breakdown
Gross Rental Income$13,200
Less Vacancy−$726
Effective Income$12,474
Less Operating Expenses−$8,988
Net Operating Income$3,486
Sponsored
Analyze Deals Faster with DealCheck
Import any property, get instant investment analysis — cap rates, cash flow, rehab estimates, and offer calculations. Used by 350,000+ investors.
Try DealCheck Free →

Cash-on-Cash Return — Oshkosh

Factor in financing to see your actual return on invested capital in Oshkosh.

$
$72,500
%
%
years
$
taxes + ins + maint + mgmt
$
$
Cash-on-Cash Return
-11.53%Weak
Annual Cash Flow ÷ Total Cash Invested
Total Cash Invested
$81,200
$72,500 down + $8,700 closing
Monthly Mortgage
$1,418
on $218K loan
Monthly Cash Flow
$-780
after all expenses
Annual Cash Flow
$-9,359
before taxes
Cash Flow Breakdown
Monthly Rent$1,100
Less Expenses−$462
Less Mortgage−$1,418
Monthly Cash Flow$-780

Is Oshkosh a Good Place to Invest in Rental Property?

Oshkosh, WI has a population of 50,000 and has been growing at 0.5% annually — roughly in line with national trends, meaning demand is stable but not exceptional. The median home price of $290,000 paired with median rents of $1,100/mo produces an estimated cap rate of 1.62%.

Property taxes at 1.88% are notably high and represent a significant drag on cash flow — model this expense carefully, as it can make or break a deal. The vacancy rate of 5.5% is moderate and within normal parameters for a healthy rental market.

At a price-to-income ratio of 5.4x, homes cost about 5.4 times the local median income of $53,700. This moderate ratio indicates a balanced rent-vs-buy market. Home values have appreciated at roughly 2.4% annually. Steady appreciation means total returns will be primarily cash flow-driven — the more sustainable model for long-term wealth building.

Bottom line: At current median prices, Oshkosh is challenging for pure cash flow investing. Consider BRRRR strategies with below-market purchases, or look at neighboring metros with stronger price-to-rent ratios.

Sponsored
Get AI-Powered Property Insights
Homesage.ai analyzes 140 million properties with AI — spot hidden deals, assess property condition, and find investment opportunities. Free to try.
Analyze Properties →

Oshkosh Investment Guides

Explore Oshkosh Data

Free Download
Top 25 Cash Flow Cities (2026)
See how Oshkosh compares to the best cash flow markets in America.
Get the Report →
Sponsored
Investor Gear
Google Nest Thermostat
Google
$130
FLIR ONE Gen 3 Thermal Camera
FLIR
$179
Schlage Connect Keypad Deadbolt
Schlage
$229
The CapRateCity Report
Weekly market analysis: highest cap rate cities, emerging markets, and deal breakdowns. Free, no spam.

Similar Markets in the Midwest

Fond du Lac, WI$280K · $1,070/mo
1.7%
La Crosse, WI$320K · $1,190/mo
1.5%
Madison, WI$435K · $1,660/mo
1.7%
Appleton, WI$335K · $1,220/mo
1.5%
Wausau, WI$255K · $1,000/mo
1.8%
Run a BRRRR analysis for Oshkosh
Model a buy-rehab-refinance deal with Oshkosh data pre-loaded.
Open BRRRR Calculator →