HomeIndianaKosciusko CountyWarsaw
Warsaw, Indiana: commercial real estate data.
Warsaw is a Census city of 16,768 people across 13.55 square miles of land, in Kosciusko County. Median household income is $61,035, 49.3 percent of occupied homes are owned, and the SBA record carries 25 7(a) approvals to borrowers here worth $5.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Warsaw
What Warsaw is
- Census place typecity
- Land area13.55 sq mi
- Water area1.36 sq mi
- Population per square mile of land1,238
- County holding the largest share of its areaKosciusko 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.
Warsaw
How many people live in Warsaw
- Population16,768
- Median age33.8
- Population under 184,033
- Share under 1824.1 percent
- Population 65 and over2,538
- Share 65 and over15.1 percent
- Households7,089
- Family households3,989
- Share of households that are families56.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Warsaw
Income and work in Warsaw
- Median household income$61,035
- Per capita income$31,006
- Civilian labor force8,594
- Employed8,394
- Unemployed200 plus or minus 119
- Unemployment rate2.3 percent plus or minus 1.4
- Adults 25 and over10,929
- Adults 25 and over with a high school diploma or higher89.9 percent
- Adults 25 and over with a bachelor degree or higher33.7 percent
- Adults 25 and over with a graduate degree13.9 percent plus or minus 3.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Warsaw
Housing in Warsaw
- Housing units7,633
- Occupied units7,089
- Vacant units544 plus or minus 219
- Vacancy rate7.1 percent plus or minus 2.8
- Owner occupied3,493
- Renter occupied3,596
- Ownership rate49.3 percent
- Median owner-occupied home value$181,200
- Median gross rent, monthly$1,066
- Annual rent as a share of median income21.0 percent
- Single family units4,366
- Share single family57.2 percent
- Units in buildings of two or more3,060
- Share in buildings of two or more40.1 percent
- Mobile homes207 plus or minus 79
- Median year structure built1979
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Warsaw
How Warsaw gets to work
- Workers 16 and over who commute7,378
- Commuting under 15 minutes3,915
- Share commuting under 15 minutes53.1 percent
- Commuting 30 minutes or more1,155 plus or minus 344
- Share commuting 30 minutes or more15.7 percent plus or minus 4.5
- Drove alone74.7 percent
- Carpooled11.3 percent plus or minus 4.0
- Public transport0.4 percent plus or minus 0.5
- Walked2.8 percent plus or minus 1.2
- Worked from home9.7 percent plus or minus 3.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Warsaw
SBA loans in Warsaw (7(a))
- Approvals25
- Gross approval$5,234,000
- Average approval$209,360
- Median approval$105,000
- Ninetieth percentile approval$352,800
- Largest approval$1,574,000
- Jobs supported151
- Jobs per approval6.0
- Loans with a final outcome6
- Paid in full6
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more12.0 percent
- Share to franchises8.0 percent
- Distinct lenders9
- Distinct industries by NAICS17
Counted by borrower city: approvals to borrowers whose address is in Warsaw, in any county, FY2020 to FY2026. Only 6 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.
Warsaw
SBA loans in Warsaw (504)
- Approvals26
- Gross approval$9,787,000
- Average approval$376,423
- Median approval$250,000
- Largest approval$1,069,000
- Jobs supported341
- Loans with a final outcome6
- Charged off0
- Median term240 months
- Distinct CDCs4
Counted by borrower city: approvals to borrowers whose address is in Warsaw, in any county, FY2010 to FY2026. Only 6 loans have 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.
Warsaw
Flood risk in Warsaw
- NFIP communityCity of Warsaw
- NFIP community number180123
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/30/15
The City of Warsaw participates in the National Flood Insurance Program as community 180123 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.
Kosciusko County, not Warsaw
Kosciusko County context, not Warsaw figures
- Establishments in Kosciusko County2,039
- Covered employment, Kosciusko County36,183
- Average annual pay, Kosciusko County$58,899
- Housing units permitted, Kosciusko County261
Every figure in this section is published for Kosciusko County as a whole and is not a measurement of Warsaw.
All Kosciusko County figures →
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
Warsaw questions, answered from the record.
How many people live in Warsaw, Indiana?
16,768, in 7,089 households. Warsaw city covers 13.55 square miles of land, which is 1,238 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Warsaw in?
Kosciusko 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 Warsaw?
$61,035. The median owner-occupied home is valued at $181,200. Median gross rent is $1,066 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Warsaw businesses?
25 7(a) approvals totaling $5.2 m since FY2020, across 9 lenders, median approval $105,000, plus 26 504 approvals worth $9.8 m since FY2010. These count approvals to borrowers whose address is in Warsaw, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Warsaw borrowers get paid back?
No rate is published for Warsaw. Only 6 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 Warsaw in the National Flood Insurance Program?
Yes. Warsaw appears in the FEMA Community Status Book as Warsaw, city of, community 180123, 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 Warsaw figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Kosciusko 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 Warsaw.
Is zoning published for Warsaw?
No. Nothing on this page presents parcel level zoning.