Whitewater, WI home prices
Typical home $405,535 · +4.4% in a year · income needed $121,500
The Whitewater, WI metro area ranks 146 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +4.4% in a year and +25.8% over five years. With 20% down at 7.11%, the typical home costs about $2,836 a month including 1.33% property tax (Walworth County rate).
Mortgage on the typical Whitewater home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $81,107 | $324,428 | $2,182 | $0 | $653 | $2,836 | $121,500 |
| 10% down | $40,554 | $364,982 | $2,455 | $152 | $653 | $3,261 | $139,700 |
| 5% down | $20,277 | $385,259 | $2,592 | $161 | $653 | $3,406 | $146,000 |
| 3.5% down (FHA) | $14,194 | $398,190 | $2,679 | $179 | $653 | $3,511 | $150,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.33% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Whitewater area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Walworth County, WI | $405,546 | +4.4% | 1.33% |
What can you afford in Wisconsin on your salary? · Wisconsin home prices · Salaries in Wisconsin
Frequently asked questions
How much is a house in Whitewater?
The typical home in the Whitewater, WI metro area is worth $405,535 (Zillow, September 2026).
What salary do you need to buy a house in Whitewater?
About $121,500 a year for the typical home with 20% down at 7.11%.