1334 Jackson St · La Crosse, WI 54601

$190,000

4 bd · 1.0 ba · 1,350 sqft · SingleFamily · 65 Days on market

Built 1940 7,013 sqft lot $141/sqft · 19% below area Est $235k · 19% under

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Why this score? — see what drove the C- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• ARV discount +15.0/15.0
• Cash flow +14.7/30.0
• 1% rule +4.7/10.0
• DSCR +4.5/10.0
• Livability +3.5/5.0
• Rent growth +3.2/5.0
• Schools +2.7/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome home to this charming four-bedroom gem that's ready to steal your heart. If you're a fan of character and craftsmanship, you're going to love what's waiting behind the front door. Come inside and prepare to be wowed by stunning hardwood floors that flow throughout the home. These beauties have stood the test of time and still shine like nobody's business. Pair that with the original woodwork, and you've got a home that oozes personality and old-school charm that modern builds just can't replicate. Seriously, they don't make them like this anymore. With four bedrooms and a full bathroom, there's plenty of room for the whole crew. Whether you need space for extra living areas, a dedicated home office, or that craft room you've been dreaming about, this layout has you covered. The spacious primary bedroom offers a cozy retreat after long days, and the additional bedrooms are generously sized too. Location-wise, you're sitting pretty. Mayo Health System is just a short distance away for convenient healthcare access. Poage Park is nearby when you need some fresh air and green space, and the La Crosse Amtrak Station connects you to bigger adventures whenever the travel bug bites. This new listing won't last long in this neighborhood. Homes with this much original character and charm tend to get scooped up fast by those who appreciate the real deal. Schedule your showing today and come see what makes this place so special. Your next chapter starts here.

Key facts

• Original woodwork
• Hardwood floors
• 7,013 sq ft lot

Tags

• HARDWOOD FLOORS
• ORIGINAL WOODWORK

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $190k.

Deal economics

• At list price, monthly cash flow is $49 ($586/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $185k (2.8% below list).
• Recommended offer: $179k (6.0% below list) — sets the bar for market timing.
• Cap rate 6.6% vs local median 3.0% in La Crosse — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 69/100 on livability (#339 in WI) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment C-, schools D+, health & safety D.
• La Crosse School District (urban): math 29% / reading 34% proficiency, ranked #267 of 342 in WI (top 78%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising (+2.7%/yr); 222 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 268 units permitted in La Crosse County in 2024 (10 in 5+ unit buildings).
• This rent runs 36% of the median local income ($62k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• La Crosse County population projected at +14% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 65 days — a 6% lower offer ($179k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $25k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $95k; list at $190k implies a 100% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $178,600 (6.0% below list)

Questions for the listing agent

1. It's been on market 65 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1940 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.97% ✗
• Cap rate: 6.60%
• Cash-on-cash: 1.10%
• DSCR: 1.05
• GRM: 8.6

CMA / ARV

• ARV (median comp): $234,985
• List price: $190,000
• Delta: -19.14%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1230 Johnson St	0.13mi	4/2.0	1,456 (+8%)	3mo	$270,000	$185	75
1416 13th Street St S	0.34mi	3/1.0 (-1)	1,294 (-4%)	0mo	$259,900	$201	72
1410 13th Street St S	0.33mi	3/1.5 (-1)	1,300 (-4%)	1mo	$217,500	$167	71
1918 Redfield St	0.61mi	4/2.5	1,402 (+4%)	3mo	$275,000	$196	57
1324 Hyde Ave	0.56mi	3/1.5 (-1)	1,245 (-8%)	1mo	$257,000	$206	53
1372 Hyde Ave	0.56mi	4/1.0	1,200 (-11%)	3mo	$155,000	$129	53
2132 Jackson St	0.61mi	3/2.0 (-1)	1,436 (+6%)	2mo	$245,000	$171	51
1226 20th Street St S	0.48mi	3/2.0 (-1)	1,525 (+13%)	1mo	$310,000	$203	46
907 Green Bay St	0.62mi	3/1.5 (-1)	1,200 (-11%)	1mo	$230,000	$192	45
1521 Travis St	0.61mi	3/1.0 (-1)	1,172 (-13%)	1mo	$265,000	$226	44
1920 16th Street St S	0.68mi	3/1.5 (-1)	1,523 (+13%)	2mo	$256,000	$168	38
714 6th Street St S	0.67mi	3/1.0 (-1)	1,148 (-15%)	2mo	$205,000	$179	37

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 2.72% rent growth · sell at horizon

5-year hold

• IRR: -14.8%
• Equity multiple: 0.47×
• Total profit: $-28,109
• Equity at exit: $28,330

10-year hold

• IRR: -6.6%
• Equity multiple: 0.58×
• Total profit: $-22,234
• Equity at exit: $16,428

Cash invested: $53,200 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 73 Landlord-Friendly
• State Wisconsin: 73 Landlord-Friendly · R+2
• County: — inherits STATE
• City: — inherits STATE

5-day notice; preempted; Madison / Milwaukee have some local enforcement.

Methodology + full state rankings →

ZIP-level market 54601

• Rents YoY: 2.7%
• Active inventory: 222
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $1,846 medium
• Mortgage (P&I): −$996
• Tax from tax record: −$334 /mo · $4,008/yr
• Insurance: −$79
• HOA: −$0
• Vacancy / Maint / Mgmt: −$388
• Net cashflow: $49

Break-even live

Break-even rent $1,784

Max offer price $190,000

Occupancy floor 92%

Sensitivity live

Price	-10% $156	-5% $103	+0% $49	+5% $-5	+10% $-59
Rent	-10% $-97	-5% $-24	+0% $49	+5% $122	+10% $195
Rate	-1.0pp $145	-0.5pp $97	base $49	+0.5pp $0	+1.0pp $-50

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $47,500
• Closing costs: $5,700
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1442 Redfield St La Crosse, WI	3.0	1.0	1000	$1,100	$1.10	45d	1	0.43mi
1222 9th St S La Crosse, WI	5.0	2.0	1641	$2,250	$1.37	45d	1	0.48mi
709 Ferry St La Crosse, WI	4.0	1.0	1632	$2,200	$1.35	45d	1	0.64mi
625 12th St N La Crosse, WI	5.0	1.0	1200	$2,125	$1.77	45d	1	1.20mi

Listing history 22 events

1. 2026-06-19
   days on market $190,000 Active 65 DOM
2. 2026-06-18
   price $190,000 Active 64 DOM
3. 2026-06-18
   days on market $215,000 Active 64 DOM
4. 2026-06-17
   days on market $215,000 Active 63 DOM
5. 2026-06-16
   days on market $215,000 Active 62 DOM
6. 2026-06-15
   days on market $215,000 Active 61 DOM
7. 2026-06-14
   days on market $215,000 Active 59 DOM
8. 2026-06-13
   days on market $215,000 Active 58 DOM
9. 2026-06-10
   days on market $215,000 Active 56 DOM
10. 2026-06-09
    days on market $215,000 Active 55 DOM
11. 2026-06-08
    days on market $215,000 Active 54 DOM
12. 2026-06-07
    days on market $215,000 Active 53 DOM
13. 2026-06-05
    days on market $215,000 Active 50 DOM
14. 2026-06-03
    days on market $215,000 Active 49 DOM
15. 2026-06-02
    days on market $215,000 Active 48 DOM
16. 2026-06-01
    days on market $215,000 Active 47 DOM
17. 2026-05-31
    days on market $215,000 Active 46 DOM
18. 2026-05-30
    days on market $215,000 Active 45 DOM
19. 2026-05-17
    historical Contingent - Other 1482-char remark

    Show marketing remark (1482 chars)

    Welcome home to this charming four-bedroom gem that's ready to steal your heart. If you're a fan of character and craftsmanship, you're going to love what's waiting behind the front door. Come inside and prepare to be wowed by stunning hardwood floors that flow throughout the home. These beauties have stood the test of time and still shine like nobody's business. Pair that with the original woodwork, and you've got a home that oozes personality and old-school charm that modern builds just can't replicate. Seriously, they don't make them like this anymore. With four bedrooms and a full bathroom, there's plenty of room for the whole crew. Whether you need space for extra living areas, a dedicated home office, or that craft room you've been dreaming about, this layout has you covered. The spacious primary bedroom offers a cozy retreat after long days, and the additional bedrooms are generously sized too. Location-wise, you're sitting pretty. Mayo Health System is just a short distance away for convenient healthcare access. Poage Park is nearby when you need some fresh air and green space, and the La Crosse Amtrak Station connects you to bigger adventures whenever the travel bug bites. This new listing won't last long in this neighborhood. Homes with this much original character and charm tend to get scooped up fast by those who appreciate the real deal. Schedule your showing today and come see what makes this place so special. Your next chapter starts here.

20. 2026-04-15
    listed $215,000 Active 1482-char remark

    Show marketing remark (1478 chars)

    Welcome home to this charming four-bedroom gem that's ready to steal your heart. If you're a fan of character and craftsmanship, you're going to love what's waiting behind the front door. Come inside and prepare to be wowed by stunning hardwood floors that flow throughout the home. These beauties have stood the test of time and still shine like nobody's business. Pair that with the original woodwork, and you've got a home that oozes personality and old-school charm that modern builds just can't replicate. Seriously, they don't make them like this anymore. With four bedrooms and a full bathroom, there's plenty of room for the whole crew. Whether you need space for extra living areas, a dedicated home office, or that craft room you've been dreaming about, this layout has you covered. The spacious primary bedroom offers a cozy retreat after long days, and the additional bedrooms are generously sized too. Location-wise, you're sitting pretty. Mayo Health System is just a short distance away for convenient healthcare access. Poage Park is nearby when you need some fresh air and green space, and the La Crosse Amtrak Station connects you to bigger adventures whenever the travel bug bites. This new listing won't last long in this neighborhood. Homes with this much original character and charm tend to get scooped up fast by those who appreciate the real deal. Schedule your showing today and come see what makes this place so special. Your next chapter starts here.

21. 2026-04-15
    listed $215,000 Active 1478-char remark

    Show marketing remark (1478 chars)

    Welcome home to this charming four-bedroom gem that's ready to steal your heart. If you're a fan of character and craftsmanship, you're going to love what's waiting behind the front door. Come inside and prepare to be wowed by stunning hardwood floors that flow throughout the home. These beauties have stood the test of time and still shine like nobody's business. Pair that with the original woodwork, and you've got a home that oozes personality and old-school charm that modern builds just can't replicate. Seriously, they don't make them like this anymore. With four bedrooms and a full bathroom, there's plenty of room for the whole crew. Whether you need space for extra living areas, a dedicated home office, or that craft room you've been dreaming about, this layout has you covered. The spacious primary bedroom offers a cozy retreat after long days, and the additional bedrooms are generously sized too. Location-wise, you're sitting pretty. Mayo Health System is just a short distance away for convenient healthcare access. Poage Park is nearby when you need some fresh air and green space, and the La Crosse Amtrak Station connects you to bigger adventures whenever the travel bug bites. This new listing won't last long in this neighborhood. Homes with this much original character and charm tend to get scooped up fast by those who appreciate the real deal. Schedule your showing today and come see what makes this place so special. Your next chapter starts here.

22. 2000-07-31
    soldstatus $95,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast WI · Partial reset (capped growth)

• Current annual tax: $4,008 · $334/mo
• Projected year-2 tax: $4,008 · $334/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥101°F today · 14 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,152
• − Mortgage interest: −$10,643
• − Property taxes: −$4,008
• − Insurance: −$950
• − Repairs & maintenance: −$1,772
• − Management: −$1,772
• − Depreciation: −$5,527
• Taxable loss: −$2,520
• Est. tax savings @ 24.0%: +$605
• After-tax cash flow: $1,191/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: La Crosse School District
• NCES district ID: 5507530
• Math proficiency: 29% ▼ -8.00%
• Reading proficiency: 34% ▼ -4.00%
• Median HH income: $42,924
• Composite: 26.76/100
• National rank: #7135
• State rank: #267 of 342 in WI

Livability — La Crosse

• Score: 69/100
• State rank: #339
• US rank: #8671

Category grades

Amenities F Commute F Cost of living A+ Crime F Employment C- Housing A+ Health & safety D User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: La Crosse, WI
• County: La Crosse County · 89,439 people
• City population: 64,135
• Metro: La Crosse-Onalaska, WI-MN
• Population (ZIP): 50,397
• Household income: $61,639
• Rent vs Own: 46.0% rent · 54.0% own
• Severe rent burden: 2352.0

Population outlook (La Crosse County) Hauer SSP2

• Today (2025): 126,082 people
• By 2030: 130,161 · +3.2%
• By 2040: 137,231 · +8.8%
• By 2050: 143,506 · +13.8%
• By 2075: 160,149 · +27.0%
• By 2100: 166,408 · +32.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (89%)
• Race & ethnicity: White 89% Asian 4% Two or more races 3% Hispanic / Latino 3% Black 1%
• Common ancestry: Portuguese 14% Romanian 6% Lithuanian 2%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Spanish 2% Other Asian/Pacific 1% Other Indo-European 1%

Political lean MEDSL · La Crosse

• 2024 margin: Lean D (+9.4) · D 54.0% · R 44.6% · Other 1.4%
• 2008→2024 swing: -14.1pp toward R · 2008: 23.4pp · 2024: 9.4pp
• All cycles: 2024: D+9.4 2020: D+13.5 2016: D+9.6 2012: D+17.3 2008: D+23.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -186.70%
• Current HPI: 236.4506
• Rent YoY: ▲ 2.72%
• Metro: La Crosse-Onalaska, WI-MN
• State GDP YoY: ▲ 2.10%
• F500 in state: 20

Industry mix (Fortune 500 HQ in WI)

Industry	F500 HQs	Revenue
▸Industrial Machinery	4	$23B
▸Industrial Technology	2	$36B
▸Insurance	1	$36B
▸Professional Services	1	$19B
▸Utilities	1	$9B
▸Consumer Goods	1	$3B

Price history

+126.3% since first listed

4 events — show timeline

• 2026-05-17 Contingent — NORTHSTARMLS as Distributed by MLS Grid
• 2026-04-15 Listed $215,000 RANWW
• 2026-04-15 Listed $215,000 NORTHSTARMLS as Distributed by MLS Grid
• 2000-07-31 Sold (Public Records) $95,000 Public Records

Property tax history

+1.9%/yr

Latest (2025): $4,008 · +21.3% YoY. Source: county tax records.