Updated 2026 · Based on median market data for Oshkosh, WI
Oshkosh sits in the Midwest with a population of 50,000 growing at 0.5% annually. The median home costs $290,000 while rents average $1,100/mo, producing an estimated cap rate of 1.62%. Cash flow investing here requires creative strategies like BRRRR or value-add approaches.
Oshkosh works best for experienced investors with a clear strategy — Section 8, student housing, or deep value-add rehabs. The 1.62% cap rate at median prices is tight, so success depends on buying below market, forcing appreciation through renovation, or accessing above-market rent streams through niche tenant bases.
Target properties priced 15-25% below the $290,000 median — around $232,000 or less. At this price point with $1,100/mo rents, your cap rate improves to roughly 2.7%. Factor in 1.88% property taxes ($5,452/yr), budget 5% of gross rent for maintenance, and underwrite to a 5.5% vacancy rate. On a 20% down conventional loan at 7%, monthly PITI will run approximately $2,097.
Property taxes at 1.88% are notably high — this is a significant drag on NOI that some investors underestimate. Every deal should be evaluated individually using our calculator tools. Median data provides a starting point; actual returns depend on the specific property, financing, and your management approach.
Run the numbers on a specific Oshkosh property using our cap rate calculator (pre-filled with Oshkosh data). Compare Oshkosh against similar markets in the Midwest region. If you're considering a value-add approach, try our BRRRR calculator to model a rehab scenario.
Oshkosh vs Wisconsin state average and national average across key investment metrics. Oshkosh's cap rate is below both benchmarks — deal sourcing is critical here.