Luck, Wisconsin.
Typical home $318,248 (+4.2% in a year).
to buy the typical home at today's mortgage rate — +$943 (+130%) since Jan 2020.
- 1 year
- Up $12,780 +4%
- $305,468$318,248 since Sep 2025
- 5 years
- Up $64,888 +26%
- $253,360$318,248 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Luck$1,670
- Wisconsin$1,770
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 15 years.
Typical home values in Luck, WI rose 4.2% over the past year — faster than the nation's +1.2%.
Living in Luck, Polk County, Wisconsin
Luck is a village of 1,093 people in Polk County. Half its households earn more than $68,606 a year and half less, against $77,219 across Polk County; 10% of its people live below the poverty line. 65% of its homes are lived in by their owners and 35% are rented. Unemployment in Polk County was 3.6% in August 2026, and the county had 3.1% fewer jobs in 2025 than the year before. The most people in Polk County work in manufacturing, then schools and health care.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Luck is a small village in Polk County, Wisconsin, where most homes are lived in by their owners. Household incomes run below the county's, and typical home values sit well above what that income level might suggest. Winters are long and cold, with January the coldest month and a good deal of snow, while July brings warm days, and rain and melted snow add up to a fair amount over the year.
Work. Residents work mostly in manufacturing, in schools, hospitals and social care, in shops, and in the building trades. Some of the biggest workplaces in the village are Durex Products, the Luck School District and Wayne's Luck, a grocery store. Relatively few adults hold a four-year degree, and few work from home, so most people travel to a job, with commutes of moderate length.
Things to do. Straight Lake State Park, a protected area, and the lakes Half Moon Lake and Balsam Lake are all a short drive away. For a longer outing, the Saint Croix National Scenic Riverway is a protected area that takes a longer drive to reach, and Wild Mountain is a ski area that is also a longer drive off. Winters here are snowy enough that skiing is a natural way to spend the colder months.
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- 447households
- 22%of adults have a degree
- 10%below the poverty line
- 26 mintypical commute
- 7%work from home
What people in Polk County work in
Employed residents by industry, from the Census survey. Polk County had 15,663 jobs in 2025, 3.1% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 22° and lows near 5°; warmest in July, with highs near 81° and lows near 60°. About 61 inches of snow and 33 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Luck weather station, a mile away (NOAA).
Largest workplaces in Luck
- Durex Products, Inc. - Luck FacilityCloth, woven wire, made from purchased wire83
- Luck School DistrictSchool district75FTE
- Wayne's LuckGrocery stores54
- Wood Goods IndustriesTables, wood, office-type, manufacturing49
- MacDonald & Owen Lumber CoLumber merchant wholesalers47
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 4 workplaces with 20 or more staff, 233 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Cold wavesRelatively high
- Strong windRelatively high
- HailRelatively moderate
- TornadoesRelatively moderate
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Polk County, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Polk County.
Luck home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Luck$318,248
- Wisconsin$337,196
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 5 Luck listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Luck22.09%
- United States25.56%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Luck18
New listings per month
Sellers arriving at the market.
- Luck4
Zip codes with a Luck address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Luck — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.