HomeMontanaFlathead CountyWhitefish
Whitefish, Montana: commercial real estate data.
Whitefish is a Census city of 8,749 people across 7.33 square miles of land, in Flathead County. Median household income is $73,811, 61.7 percent of occupied homes are owned, and the SBA record carries 29 7(a) approvals to borrowers here worth $29.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Whitefish
What Whitefish is
- Census place typecity
- Land area7.33 sq mi
- Water area5.29 sq mi
- Population per square mile of land1,194
- County holding the largest share of its areaFlathead 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.
Whitefish
How many people live in Whitefish
- Population8,749
- Median age44.4
- Population under 181,428
- Share under 1816.3 percent
- Population 65 and over2,043
- Share 65 and over23.4 percent
- Households4,302
- Family households2,090
- Share of households that are families48.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Whitefish
Income and work in Whitefish
- Median household income$73,811
- Per capita income$56,782
- Civilian labor force4,954
- Employed4,837
- Unemployed117 plus or minus 121
- Unemployment rate2.4 percent plus or minus 2.4
- Adults 25 and over6,965
- Adults 25 and over with a high school diploma or higher97.2 percent
- Adults 25 and over with a bachelor degree or higher56.8 percent
- Adults 25 and over with a graduate degree16.7 percent plus or minus 4.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Whitefish
Housing in Whitefish
- Housing units5,536
- Occupied units4,302
- Vacant units1,234 plus or minus 257
- Vacancy rate22.3 percent plus or minus 4.5
- Owner occupied2,653
- Renter occupied1,649
- Ownership rate61.7 percent
- Median owner-occupied home value$684,300
- Median gross rent, monthly$1,354
- Annual rent as a share of median income22.0 percent plus or minus 4.6
- Single family units3,970
- Share single family71.7 percent
- Units in buildings of two or more1,490 plus or minus 382
- Share in buildings of two or more26.9 percent plus or minus 6.7
- Mobile homes62 plus or minus 59
- Median year structure built1991
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Whitefish
How Whitefish gets to work
- Workers 16 and over who commute3,582
- Commuting under 15 minutes1,823 plus or minus 424
- Share commuting under 15 minutes50.9 percent plus or minus 10.3
- Commuting 30 minutes or more539 plus or minus 169
- Share commuting 30 minutes or more15.0 percent plus or minus 4.4
- Drove alone62.2 percent
- Carpooled4.2 percent plus or minus 2.2
- Public transport0.3 percent plus or minus 0.5
- Walked6.9 percent plus or minus 4.0
- Worked from home24.4 percent plus or minus 6.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Whitefish
SBA loans in Whitefish (7(a))
- Approvals29
- Gross approval$29,336,900
- Average approval$1,011,617
- Median approval$275,700
- Ninetieth percentile approval$3,166,760
- Largest approval$5,000,000
- Jobs supported187
- Jobs per approval6.4
- Loans with a final outcome12
- Paid in full12
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more24.1 percent
- Share to franchises6.9 percent
- Distinct lenders16
- Distinct industries by NAICS19
Counted by borrower city: approvals to borrowers whose address is in Whitefish, in any county, FY2020 to FY2026. Only 12 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.
Whitefish
SBA loans in Whitefish (504)
- Approvals13
- Gross approval$5,854,000
- Average approval$450,308
- Median approval$319,000
- Largest approval$1,229,000
- Jobs supported75
- Loans with a final outcome4
- Charged off0
- Median term300 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Whitefish, in any county, FY2010 to FY2026. Only 4 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.
Whitefish
Flood risk in Whitefish
- NFIP communityCity of Whitefish
- NFIP community number300026
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date11/04/15
The City of Whitefish participates in the National Flood Insurance Program as community 300026 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.
Flathead County, not Whitefish
Flathead County context, not Whitefish figures
- Establishments in Flathead County5,092
- Covered employment, Flathead County50,611
- Average annual pay, Flathead County$58,339
- Housing units permitted, Flathead County286
Every figure in this section is published for Flathead County as a whole and is not a measurement of Whitefish.
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
Whitefish questions, answered from the record.
How many people live in Whitefish, Montana?
8,749, in 4,302 households. Whitefish city covers 7.33 square miles of land, which is 1,194 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Whitefish in?
Flathead 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 Whitefish?
$73,811. The median owner-occupied home is valued at $684,300. Median gross rent is $1,354 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Whitefish businesses?
29 7(a) approvals totaling $29.3 m since FY2020, across 16 lenders, median approval $275,700, plus 13 504 approvals worth $5.9 m since FY2010. These count approvals to borrowers whose address is in Whitefish, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Whitefish borrowers get paid back?
No rate is published for Whitefish. Only 12 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 Whitefish in the National Flood Insurance Program?
Yes. Whitefish appears in the FEMA Community Status Book as Whitefish, city of, community 300026, 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 Whitefish figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Flathead 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 Whitefish.
Is zoning published for Whitefish?
No. Nothing on this page presents parcel level zoning.
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