Estimated median household income in 2007: $57,749
| This zip code: | $57,749 | | Wisconsin: | $50,578 |
Nearest zip codes: 54007, 54013, 54005, 54734, 54002, 54028.
Housing units in zip code 54012 with a mortgage: 53 (9 second mortgage, 7 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 33
Median monthly owner costs for units with a mortgage: $1,264
Median monthly owner costs for units without a mortgage: $313
Residents with income below the poverty level in 2007:
| This zip code: | 6.4% | | Whole state: | 10.8% |
Residents with income below 50% of the poverty level in 2007:
| This zip code: | 2.7% | | Whole state: | 4.5% |
Median number of rooms in houses and condos:
| Here: | 6.4 | | State: | 6.1 |
Median number of rooms in apartments:
| Here: | 5.7 | | State: | 4.1 |
Year house built: |
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- 1999 to March 2000: 11
- 1995 to 1998: 21
- 1990 to 1994: 11
- 1980 to 1989: 22
- 1970 to 1979: 26
- 1960 to 1969: 12
- 1950 to 1959: 11
- 1940 to 1949: 19
- 1939 or earlier: 142
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Bedrooms in owner-occupied houses in Emerald, WI (54012): |
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- no bedroom: 0
- 1 bedrooms: 9
- 2 bedrooms: 43
- 3 bedrooms: 122
- 4 bedrooms: 48
- 5 or more bedrooms: 20
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 0
- 1 bedrooms: 8
- 2 bedrooms: 2
- 3 bedrooms: 7
- 4 bedrooms: 6
- 5 or more bedrooms: 2
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Vehicles available in 54012 zip code in owner-occupied houses/condos: |
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- no vehicle: 0
- 1 vehicle: 18
- 2 vehicles: 106
- 3 vehicles: 75
- 4 vehicles: 36
- 5 or more vehicles: 7
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 2
- 1 vehicle: 15
- 2 vehicles: 2
- 3 vehicles: 6
- 4 vehicles: 0
- 5 or more vehicles: 0
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Estimated household income distribution in 2007:

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Estimate of home value of owner-occupied houses/condos in 2007 in zip code 54012:
- $15,000 to $19,999: 3
- $20,000 to $24,999: 3
- $25,000 to $29,999: 4
- $30,000 to $34,999: 1
- $35,000 to $39,999: 2
- $40,000 to $49,999: 6
- $50,000 to $59,999: 8
- $60,000 to $69,999: 11
- $70,000 to $79,999: 9
- $80,000 to $89,999: 7
- $90,000 to $99,999: 6
- $100,000 to $124,999: 26
- $125,000 to $149,999: 19
- $150,000 to $174,999: 17
- $175,000 to $199,999: 18
- $200,000 to $249,999: 34
- $250,000 to $299,999: 27
- $300,000 to $399,999: 23
- $400,000 to $499,999: 8
- $500,000 to $749,999: 16
- $750,000 to $999,999: 2
- $1,000,000 or more: 3
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Rent paid by renters in 2007 in zip code 54012:
- $150 to $199: 3
- $350 to $399: 4
- $400 to $449: 4
- $450 to $499: 2
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Median price asked for vacant for-sale houses and condos in 2007: $0.
Estimated median house (or condo) value in 2007 for: - White Non-Hispanic householders: $110,127
- Asian householders: $287,989
Estimated median house or condo value in 2007: $187,950 (it was $118,000 in 2000)
| 54012: | $187,950 | | Wisconsin: | $168,800 |
Lower value quartile - upper value quartile: $99,425 - $290,218
Mean price in 2007:
Detached houses: $247,301| Here: | $247,301 | | State: | $215,427 |
Townhouses or other attached units: $130,278| Here: | $130,278 | | State: | $196,806 |
Mobile homes: $26,000| Here: | $26,000 | | State: | $36,669 |
Owners and renters by unit type in %
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Breakdown of mean house values by ages of householders
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Housing units in structures:
- One, detached: 241
- One, attached: 5
- Two: 7
- 3 or 4: 6
- Mobile homes: 16

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Means of transportation to work
- Drove a car alone: 313 (71%)
- Carpooled: 38 (9%)
- Walked: 23 (5%)
- Other means: 4 (1%)
- Worked at home: 62 (14%)
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Travel time to work
- Less than 5 minutes: 22
- 5 to 9 minutes: 21
- 10 to 14 minutes: 48
- 15 to 19 minutes: 42
- 20 to 24 minutes: 79
- 25 to 29 minutes: 30
- 30 to 34 minutes: 27
- 35 to 39 minutes: 19
- 40 to 44 minutes: 19
- 45 to 59 minutes: 30
- 60 to 89 minutes: 28
- 90 or more minutes: 13
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Percentage of zip code residents living and working in this county: 70.9%
Household type by relationship
Households: 774
- In family households: 710 (192 male householders, 24 female householders)
186 spouses, 285 children (283 natural, 0 adopted, 2 stepchildren), 2 grandchildren, 6 brothers or sisters, 7 parents, 2 other relatives, 6 non-relatives
- In nonfamily households: 64 (32 male householders (24 living alone)), 16 female householders (13 living alone)), 16 nonrelatives
Size of family households: 73 2-persons, 58 3-persons, 49 4-persons, 26 5-persons, 10 6-persons.
Size of nonfamily households: 37 1-person, 9 2-persons, 1 3-persons, 1 4-persons.
175 married couples with children.
24 single-parent households (15 men, 9 women).
97.1% of residents of 54012 zip code speak English at home.
1.8% of residents speak Spanish at home (77% very well, 15% well, 8% not at all).
1.1% of residents speak other Indo-European language at home (75% very well, 25% well).
White population: 767
Black population: 1
American Indian population: 0
Asian population: 9
Native Hawaiian and Other Pacific Islander population: 0
Some other race population: 0
Two or more races population: 1

First ancestries reported:
|  German: 217 |
|  Norwegian: 130 |
|  United States or American: 110 |
|  Polish: 34 |
|  Swedish: 34 |
|  Irish: 32 |
|  French (except Basque): 21 |
|  Belgian: 21 |
|  Danish: 18 |
|  Other groups: 17 |
|  Dutch: 13 |
|  Italian: 10 |
|  French Canadian: 10 |
|  Scotch-Irish: 6 |
|  Swiss: 5 |
|  Austrian: 3 |
|  Croatian: 2 |
|  English: 2 |
|  Luxemburger: 2 |
|  Scandinavian: 2 |
|  Scottish: 2 |

Median worth of mobile homes: $20,419
Housing units lacking complete plumbing facilities: 2%
Housing units lacking complete kitchen facilities: 1%
Most commonly used house heating fuel: |
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- Bottled, tank, or LP gas (62%)
- Fuel oil, kerosene, etc. (24%)
- Wood (7%)
- Electricity (4%)
- No fuel used (2%)
- Utility gas (1%)
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Place of birth for U.S.-born residents:
- This state: 587
- Northeast: 7
- Midwest: 142
- South: 8
- West: 14
68% of the 54012 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 66% lived in this county.
Out of people who lived in different counties, 23% lived in Wisconsin.
Population in 1990: 630. Population change in the 1990s: +148 (+23.5%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 5
| Here: | 5.2% | | Wisconsin: | 16.4% |
Students in private schools in grades 9 to 12 (high school): 0
| Here: | 0.0% | | Wisconsin: | 9.1% |
Students in private undergraduate colleges: 0
| Here: | 0.0% | | Wisconsin: | 18.1% |
School Enrollment by Level of School
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Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)
Age and Sex of Physically-Disabled Residents (Noninstitutionalized)
Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)
Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)
Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)
Age and Sex of Residents with Employment Disability (Noninst.)
Fatal accident statistics in 2006
- Fatal accident count: 2
- Vehicles involved in fatal accidents: 3
- Fatal accidents caused by drunken drivers: 0
- Fatalities: 3
- Persons involved in fatal accidents: 5
- Pedestrians involved in fatal accidents: 0
Fatal accident statistics in 2005
- Fatal accident count: 2
- Vehicles involved in fatal accidents: 6
- Fatal accidents caused by drunken drivers: 0
- Fatalities: 2
- Persons involved in fatal accidents: 9
- Pedestrians involved in fatal accidents: 1
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 4 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 3 | $150,187 | 54 | $124,798 | 71 | $145,281 | 13 | $58,235 | 8 | $114,589 | 7 | $48,876 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 4 | $107,820 | 17 | $142,381 | 3 | $108,270 | 2 | $149,105 | 1 | $98,830 |
| APPLICATIONS DENIED | 1 | $106,700 | 13 | $127,495 | 57 | $165,720 | 6 | $104,568 | 7 | $141,637 | 5 | $50,844 |
| APPLICATIONS WITHDRAWN | 1 | $83,300 | 9 | $151,836 | 29 | $159,099 | 2 | $64,830 | 2 | $138,965 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $157,620 | 5 | $174,876 | 0 | $0 | 1 | $111,520 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 4 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 4 | $160,190 | 64 | $127,032 | 93 | $133,649 | 16 | $41,769 | 9 | $137,351 | 6 | $60,872 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 6 | $120,238 | 15 | $146,438 | 2 | $93,840 | 0 | $0 | 1 | $12,980 |
| APPLICATIONS DENIED | 1 | $102,070 | 17 | $114,979 | 57 | $157,198 | 4 | $100,395 | 4 | $125,508 | 5 | $52,790 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 9 | $122,204 | 40 | $159,715 | 2 | $70,320 | 3 | $109,190 | 1 | $23,360 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $115,995 | 14 | $161,601 | 0 | $0 | 1 | $76,070 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 4 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 5 | $147,364 | 79 | $127,215 | 137 | $144,796 | 12 | $46,569 | 1 | $303,930 | 19 | $150,602 | 14 | $52,711 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 8 | $123,389 | 14 | $129,302 | 2 | $31,840 | 0 | $0 | 2 | $139,230 | 1 | $34,850 |
| APPLICATIONS DENIED | 0 | $0 | 25 | $100,596 | 80 | $170,460 | 8 | $62,414 | 0 | $0 | 6 | $151,630 | 10 | $62,152 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 17 | $133,046 | 56 | $181,425 | 4 | $157,558 | 0 | $0 | 3 | $185,883 | 1 | $83,290 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 3 | $150,423 | 12 | $193,729 | 1 | $57,950 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 4 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 5 | $148,780 | 73 | $134,829 | 121 | $131,849 | 17 | $61,236 | 14 | $140,654 | 9 | $83,657 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 10 | $125,795 | 11 | $147,485 | 2 | $47,695 | 1 | $79,510 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 12 | $126,668 | 50 | $152,269 | 5 | $45,542 | 4 | $115,650 | 4 | $60,970 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 8 | $158,809 | 38 | $156,363 | 1 | $83,300 | 1 | $325,270 | 1 | $98,210 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $141,095 | 10 | $157,103 | 0 | $0 | 1 | $165,560 | 1 | $93,810 |
Aggregated Statistics For Year 2003 (Based on 4 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 9 | $133,514 | 67 | $128,371 | 313 | $119,487 | 17 | $37,786 | 21 | $129,455 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 5 | $90,480 | 15 | $131,880 | 1 | $11,770 | 1 | $75,380 |
| APPLICATIONS DENIED | 1 | $140,430 | 16 | $99,277 | 47 | $125,369 | 3 | $33,020 | 2 | $147,070 |
| APPLICATIONS WITHDRAWN | 2 | $89,110 | 9 | $121,888 | 30 | $128,852 | 0 | $0 | 1 | $59,210 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $106,680 | 5 | $136,020 | 0 | $0 | 0 | $0 |
Detailed HMDA statistics for the following Tracts:
1207.00
, 1208.00
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007 (Based on 4 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 22 | $150,218 | 8 | $167,130 | 1 | $130,910 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $136,340 | 1 | $196,670 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 1 | $90,410 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $106,030 | 1 | $157,860 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 4 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 16 | $156,794 | 6 | $184,195 | 1 | $70,220 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $148,850 | 2 | $259,650 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $130,800 | 1 | $81,330 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 4 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| D) Loans On Manufactured Home Dwelling (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 12 | $155,692 | 7 | $184,810 | 1 | $98,980 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $152,050 | 1 | $320,220 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 1 | $84,740 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $230,960 | 1 | $158,720 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 4 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 13 | $147,358 | 6 | $195,448 | 1 | $117,370 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $136,865 | 1 | $133,660 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $240,780 | 1 | $91,580 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 4 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 18 | $149,504 | 17 | $141,687 | 2 | $133,460 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $138,095 | 7 | $143,301 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $174,510 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Detailed PMIC statistics for the following Tracts:
1207.00
, 1208.00
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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