HomeWisconsinWalworth CountyWhitewater
Whitewater, Wisconsin: commercial real estate data.
Whitewater is a Census city of 15,807 people across 8.84 square miles of land, lying across Walworth County and Jefferson County. Median household income is $54,969, 31.8 percent of occupied homes are owned, and the SBA record carries 10 7(a) approvals to borrowers here worth $3.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Whitewater
What Whitewater is
- Census place typecity
- Land area8.84 sq mi
- Water area0.3 sq mi
- Population per square mile of land1,788
- County holding the largest share of its areaWalworth County, 68.8 percent
- Counties this place lies inWalworth County 68.8 percent, Jefferson County 31.2 percent
Whitewater crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Whitewater
How many people live in Whitewater
- Population15,807
- Median age22.1
- Population under 181,765
- Share under 1811.2 percent
- Population 65 and over1,592
- Share 65 and over10.1 percent
- Households5,229
- Family households2,090
- Share of households that are families40.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Whitewater
Income and work in Whitewater
- Median household income$54,969
- Per capita income$25,863
- Civilian labor force10,006
- Employed9,471
- Unemployed535 plus or minus 189
- Unemployment rate5.3 percent plus or minus 1.9
- Adults 25 and over6,324
- Adults 25 and over with a high school diploma or higher91.4 percent
- Adults 25 and over with a bachelor degree or higher35.2 percent
- Adults 25 and over with a graduate degree15.0 percent plus or minus 4.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Whitewater
Housing in Whitewater
- Housing units5,925
- Occupied units5,229
- Vacant units696 plus or minus 205
- Vacancy rate11.7 percent plus or minus 3.4
- Owner occupied1,662
- Renter occupied3,567
- Ownership rate31.8 percent
- Median owner-occupied home value$229,400
- Median gross rent, monthly$1,041
- Annual rent as a share of median income22.7 percent
- Single family units2,460
- Share single family41.5 percent
- Units in buildings of two or more3,374
- Share in buildings of two or more56.9 percent
- Mobile homes91 plus or minus 86
- Median year structure built1981
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Whitewater
How Whitewater gets to work
- Workers 16 and over who commute8,248
- Commuting under 15 minutes4,097
- Share commuting under 15 minutes49.7 percent
- Commuting 30 minutes or more1,710 plus or minus 350
- Share commuting 30 minutes or more20.7 percent
- Drove alone64.8 percent
- Carpooled10.4 percent plus or minus 5.5
- Public transport0.6 percent plus or minus 0.8
- Walked13.3 percent plus or minus 3.6
- Worked from home9.1 percent plus or minus 2.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Whitewater
SBA loans in Whitewater (7(a))
- Approvals10
- Gross approval$3,542,300
- Average approval$354,230
- Median approval$320,000
- Largest approval$930,000
- Jobs supported159
- Jobs per approval15.9
- Loans with a final outcome6
- Paid in full6
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more30.0 percent
- Share to franchises10.0 percent
- Distinct lenders3
- Distinct industries by NAICS7
Counted by borrower city: approvals to borrowers whose address is in Whitewater, 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.
Whitewater
SBA loans in Whitewater (504)
- Approvals4
- Gross approval$2,215,000
- Average approval$553,750
- Median approval$499,500
- Largest approval$798,000
- Jobs supported40
- Loans with a final outcome2
- Charged off0
- Median term270 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Whitewater, in any county, FY2010 to FY2026. Only 2 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.
Whitewater
Flood risk in Whitewater
- NFIP communityCity of Whitewater
- NFIP community number550200
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/04/15
The City of Whitewater participates in the National Flood Insurance Program as community 550200 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.
Walworth County, not Whitewater
Walworth County context, not Whitewater figures
- Establishments in Walworth County2,829
- Covered employment, Walworth County45,268
- Average annual pay, Walworth County$50,949
- Housing units permitted, Walworth County477
Every figure in this section is published for Walworth County as a whole and is not a measurement of Whitewater.
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
Whitewater questions, answered from the record.
How many people live in Whitewater, Wisconsin?
15,807, in 5,229 households. Whitewater city covers 8.84 square miles of land, which is 1,788 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Whitewater in?
Whitewater lies in more than one. By area it is 68.8 percent in Walworth County, 31.2 percent in Jefferson County. This page sits under Walworth County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in Whitewater?
$54,969. The median owner-occupied home is valued at $229,400. Median gross rent is $1,041 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Whitewater businesses?
10 7(a) approvals totaling $3.5 m since FY2020, across 3 lenders, median approval $320,000, plus 4 504 approvals worth $2.2 m since FY2010. These count approvals to borrowers whose address is in Whitewater, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Whitewater borrowers get paid back?
No rate is published for Whitewater. 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 Whitewater in the National Flood Insurance Program?
Yes. Whitewater appears in the FEMA Community Status Book as Whitewater, city of, community 550200, 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 Whitewater figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Walworth 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 Whitewater.
Is zoning published for Whitewater?
No. Nothing on this page presents parcel level zoning.