HomeWisconsinRusk CountyLadysmith
Ladysmith, Wisconsin: commercial real estate data.
Ladysmith is a Census city of 3,227 people across 4.23 square miles of land, in Rusk County. Median household income is $41,719, 53.0 percent of occupied homes are owned, and the SBA record carries 10 7(a) approvals to borrowers here worth $4.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Ladysmith
What Ladysmith is
- Census place typecity
- Land area4.23 sq mi
- Water area0.38 sq mi
- Population per square mile of land764
- County holding the largest share of its areaRusk County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ladysmith
How many people live in Ladysmith
- Population3,227
- Median age49.5
- Population under 18561
- Share under 1817.4 percent
- Population 65 and over862
- Share 65 and over26.7 percent
- Households1,694
- Family households762
- Share of households that are families45.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ladysmith
Income and work in Ladysmith
- Median household income$41,719 plus or minus $12,928
- Per capita income$32,435
- Civilian labor force1,472
- Employed1,322
- Unemployed150 plus or minus 74
- Unemployment rate10.2 percent plus or minus 4.9
- Adults 25 and over2,470
- Adults 25 and over with a high school diploma or higher97.2 percent
- Adults 25 and over with a bachelor degree or higher20.2 percent plus or minus 4.9
- Adults 25 and over with a graduate degree4.9 percent plus or minus 2.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ladysmith
Housing in Ladysmith
- Housing units1,775
- Occupied units1,694
- Vacant units81 plus or minus 67
- Vacancy rate4.6 percent plus or minus 3.8
- Owner occupied897
- Renter occupied797
- Ownership rate53.0 percent
- Median owner-occupied home value$124,200
- Median gross rent, monthly$882
- Annual rent as a share of median income25.4 percent plus or minus 8.0
- Single family units1,314
- Share single family74.0 percent
- Units in buildings of two or more453 plus or minus 131
- Share in buildings of two or more25.5 percent plus or minus 7.3
- Mobile homes8 plus or minus 14
- Median year structure built1971
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ladysmith
How Ladysmith gets to work
- Workers 16 and over who commute1,214
- Commuting under 15 minutes710 plus or minus 161
- Share commuting under 15 minutes58.5 percent
- Commuting 30 minutes or more269 plus or minus 103
- Share commuting 30 minutes or more22.2 percent plus or minus 7.9
- Drove alone70.2 percent
- Carpooled22.1 percent plus or minus 8.5
- Public transport0.9 percent plus or minus 1.2
- Walked2.1 percent plus or minus 2.3
- Worked from home4.6 percent plus or minus 3.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ladysmith
SBA loans in Ladysmith (7(a))
- Approvals10
- Gross approval$4,796,900
- Average approval$479,690
- Median approval$91,500
- Largest approval$3,631,000
- Jobs supported113
- Jobs per approval11.3
- Loans with a final outcome5
- Paid in full5
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more20.0 percent
- Share to franchises0.0 percent
- Distinct lenders4
- Distinct industries by NAICS7
Counted by borrower city: approvals to borrowers whose address is in Ladysmith, in any county, FY2020 to FY2026. Only 5 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Ladysmith
SBA loans in Ladysmith (504)
- Approvals3
- Gross approval$3,402,000
- Average approval$1,134,000
- Median approval$547,000
- Largest approval$2,346,000
- Jobs supported22
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Ladysmith, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Ladysmith
Flood risk in Ladysmith
- NFIP communityCity of Ladysmith
- NFIP community number550375
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/17/14
The City of Ladysmith participates in the National Flood Insurance Program as community 550375 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Rusk County, not Ladysmith
Rusk County context, not Ladysmith figures
- Establishments in Rusk County321
- Covered employment, Rusk County4,597
- Average annual pay, Rusk County$46,068
- Housing units permitted, Rusk County74
Every figure in this section is published for Rusk County as a whole and is not a measurement of Ladysmith.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Ladysmith questions, answered from the record.
How many people live in Ladysmith, Wisconsin?
3,227, in 1,694 households. Ladysmith city covers 4.23 square miles of land, which is 764 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Ladysmith in?
Rusk County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Ladysmith?
$41,719. The median owner-occupied home is valued at $124,200. Median gross rent is $882 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Ladysmith businesses?
10 7(a) approvals totaling $4.8 m since FY2020, across 4 lenders, median approval $91,500, plus 3 504 approvals worth $3.4 m since FY2010. These count approvals to borrowers whose address is in Ladysmith, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Ladysmith borrowers get paid back?
No rate is published for Ladysmith. Only 5 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Ladysmith in the National Flood Insurance Program?
Yes. Ladysmith appears in the FEMA Community Status Book as Ladysmith, city of, community 550375, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Ladysmith figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Rusk County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Ladysmith.
Is zoning published for Ladysmith?
No. Nothing on this page presents parcel level zoning.
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