New Listing
$103,124
E Starin Rd Lot 1
Whitewater, WI 53190
Land3.56 acres
Kristen Parks · Anderson Commercial Group, LLC
View photos & details
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Whitewater, WI Housing Market
Buyer's market+4.4% YoY
Zillow, August 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, September 2026 · Refreshes weekly
The typical home in Whitewater, WI is worth $345,412, rose 4.4% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $392,750, +23.4% year over year (through May 2026). With 10.0 months of supply and homes going under contract in about 106 days, Whitewater is a buyer's market. At today's 7.03% 30-year fixed rate, 20% down on a $345,412 home is about $1,844/mo in principal and interest.
Key numbers for Whitewater, WI
Typical home value
$345,412
+4.4% in 12 months
Zillow, August 2026
Median sale price
$392,750
+23.4% year over year
Redfin, through May 2026
Days on market
106
Slow-moving
Redfin, through May 2026
Active listings
20
10.0 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$49,000
Home costs 7.0x income
U.S. Census ACS, 2023
Sale-to-list ratio
98.1%
Selling below asking
Redfin, through May 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Whitewater a buyer's or seller's market?
Buyer's market10.0 months of supply106 days on market98.1% of asking
Whitewater, WI is a buyer's market, based on 10.0 months of supply and homes selling in about 106 days. Above 7 months of supply is a glut: inventory is well ahead of the sales pace, and buyers can take time to inspect, compare, and negotiate concessions.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Whitewater housing market data show?
Every row below is Redfin's final published month for Whitewater, WI. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $392,750 |
| Median list price | $275,000 |
| Year-over-year price change | +23.4% |
| Median price per sq ft | $218/sq ft |
| Median days on market | 106 days |
| Active inventory | 20 listings |
| Months of supply | 10.0 months |
| Sale-to-list price ratio | 98.1% |
| Homes sold (that month) | 2 |
| New listings (that month) | 9 |
| Listings with a price cut | 10.0% |
| Market condition | Buyer's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Whitewater is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Whitewater is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Whitewater home prices moved?
Over the last three years the median sale price in Whitewater, WI rose 79.3%, from $219,000 to $392,750. The live Zillow value series has rose 4.4% in the last 12 months, which is the more current read now that Redfin's series has stopped. 10.0% of Whitewater listings cut their asking price in the final Redfin month — a modest share, which is what a market looks like when sellers are pricing close to where homes actually clear. For prices to fall meaningfully from here, supply would have to keep building past 10.0 months while the sale-to-list ratio slips below its current 98.1%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Whitewater?
Priced off the typical home value of $345,412 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $69,082 | $276,330 | $1,844/mo |
| 5% | $17,271 | $328,142 | $2,190/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,844, that implies roughly $79,029 a year before you add taxes and insurance. The median household in Whitewater earns $49,000, about $30,029 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 7.0x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Whitewater in the next 12 months?
Tell us your timeline. We send the Whitewater market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Whitewater?
Zillow does not publish a rent index (ZORI) for Whitewater, WI, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Whitewater?
Active listings in Whitewater, WI went from 32 in May 2025 to 20 in May 2026, a -37.5% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 34 | 12 |
| July 2025 | 36 | 16 |
| August 2025 | 31 | 10 |
| September 2025 | 42 | 19 |
| October 2025 | 39 | 8 |
| November 2025 | 34 | 10 |
| December 2025 | 25 | 2 |
| January 2026 | 26 | 7 |
| February 2026 | 25 | 8 |
| March 2026 | 16 | 4 |
| April 2026 | 20 | 11 |
| May 2026 | 20 | 9 |
Redfin, through May 2026
How does Whitewater compare to Wisconsin and the U.S.?
Whitewater homes sell for $392,750 — 9% above the Wisconsin median of $361,600. Against the national median of $410,700, Whitewater runs 4% lower. Year-over-year, Whitewater moved +23.4% against Wisconsin's +6.5% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Whitewater, WI | $392,750 | +23.4% | 106 days |
| Wisconsin statewide | $361,600 | +6.5% | 44 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Whitewater
What buyers should watch
- Months of supply, currently 10.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 10.0%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $346 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $345,412 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Whitewater listing goes under contract in 106 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 98.1% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Whitewater added 9 new listings against 2 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved +4.4% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Whitewater varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Whitewater
There are currently 20 homes listed for sale in Whitewater, Wisconsin. The median listing price is $275K. Featured listings range from $103,124 to $900,000.
New Listing
$253,373
E Starin Rd Lot 2
Whitewater, WI 53190
Land8.74 acres
Kristen Parks · Anderson Commercial Group, LLC
View photos & details
28
$289,000
261 S Church St
Whitewater, WI 53190
6 bd2 ba1,820 sqft$159/ft²
House8,712 sqft lot
Dahlia And Co Realty Group* · Realty Executives - Integrity
View photos & details
New Build
20
$334,900
1589 Meadowview Ct
Whitewater, WI 53190
3 bd3 ba1,325 sqft$253/ft²
House9,148 sqft lot
Cassandra Winter · Compass Wisconsin-Lake Geneva
View photos & details
Price Drop −$5K
27
$344,900
1148 W Highland St
Whitewater, WI 53190
4 bd3 ba2,316 sqft$149/ft²
House13,068 sqft lot
Angela Platner · Platner Realty
View photos & details
New Listing
26
$419,900
1365 E Jakes Way
Whitewater, WI 53190
4 bd3 ba3,000 sqft$140/ft²
House12,632 sqft lot
Andrea Mchenry · Lake Country Flat Fee
View photos & details
New Build
3
$429,900
1394 Tower Hill Pass
Whitewater, WI 53190
4 bd3 ba2,091 sqft$206/ft²
House9,148 sqft lot
Kamryn Perrine · Harbor Homes Inc
View photos & details
New Build
34
$499,000
N7437 Grand View Dr
Whitewater, WI 53190
4 bd3 ba2,740 sqft$182/ft²
House10,019 sqft lot
Laurence (Justin) Stuppy · NextHome Success ~Whitewater
View photos & details
New Listing
15
$509,900
538 S Gault St
Whitewater, WI 53190
Multi-family11,761 sqft lot
Alyssa Addis · Down Home Real Estate co.
View photos & details
New Listing
16
$509,900
534 S Gault St
Whitewater, WI 53190
Multi-family11,761 sqft lot
Alyssa Addis · Down Home Real Estate co.
View photos & details
New Listing
82
$549,900
N7221 N McCabe Rd
Whitewater, WI 53190
3 bd3 ba1,825 sqft$301/ft²
House1.80 acres
Jonathan Marshall · Tincher Realty
View photos & details
New Listing
12
$900,000
N7612 N State Park Rd
Whitewater, WI 53190
4 bd2 ba1,766 sqft$510/ft²
House16,988 sqft lot
Joel Reyenga · EXP Realty, LLC~MKE
View photos & details
Looking to buy in Whitewater?
Get connected with a local real estate expert — free, no obligation.
Active listings
20
Homes on market
Median list price
$275K
Avg. days on market
106
Days until sale
New this week
9
Newly listed
Price drops:10.0%of listings
Sale-to-list:98.1%
How much do homes cost in Whitewater by property type?
How the Whitewater, WI market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $392,750 | $218/sq ft | 2 | 106 days |
| Condo / co-op | $214,000 | $140/sq ft | 1 | 58 days |
Who lives in Whitewater?
American Community Survey estimates for Whitewater. U.S. Census ACS, 2023
Population
15,705
Households
5,172
Median income
$49,000/yr
Median age
21.7 years
Owner-occupied
30.3%
Median home value
$211,800
Median gross rent
$985/mo
Mean commute
17.4 min
30.3% of occupied homes in Whitewater are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $211,800 against Zillow's $345,412 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which public schools serve Whitewater?
7 schools tracked · 2,108 students
The largest public schools serving Whitewater, WI by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Whitewater High
Grades 9-12 · 595 students
Whitewater Middle
Grades 6-8 · 431 students
Lincoln Elementary
Grades PK-5 · 383 students
Washington Elementary
Grades PK-5 · 308 students
Lakeview Elementary
Grades PK-5 · 210 students
JEDI Virtual K-12
Grades PK-12 · 169 students
Whitewater 4K
Grades PK · 12 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Whitewater, WI?
Ordered by distance from Whitewater, not by size. Compare Whitewater side by side with any of them.
Which ZIP codes are in Whitewater?
These are the ZIP codes we see on active Whitewater listings. Redfin did not publish a matching ZIP-level sale row for the same period, so we are not ranking them by price here — each ZIP page shows exactly what we hold for it.
Whitewater housing market FAQ
Is Whitewater a buyer's or seller's market?
Whitewater, WI is currently a buyer's market. That read comes from 10.0 months of supply, homes going under contract in about 106 days, and sellers getting 98.1% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Whitewater?
The typical home in Whitewater, WI is worth $345,412 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $392,750, about $218 per square foot.
Is Whitewater cheaper than the rest of Wisconsin?
Whitewater's median sale price of $392,750 is 9% higher than the Wisconsin statewide median of $361,600, and 4% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Whitewater?
Homes in Whitewater, WI spent a median of 106 days on market before going under contract, versus 44 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Whitewater?
At the current 30-year fixed rate of 7.03%, 20% down on a $345,412 home is about $1,844 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $79,029 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $49,000.
Are home prices rising in Whitewater?
The typical home value in Whitewater, WI rose 4.4% over the last 12 months, from $330,736 to $345,412 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Whitewater?
Whitewater ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Whitewater?
That depends on your timeline, not on a headline. What the data says today: Whitewater, WI is a buyer's market with 10.0 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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