The typical owner-occupied home in Whitewater is worth about $105,100, 54% below the Missouri median of $230,300 and 68% below the national median of $332,700. Owners pay a median $1,080 a year in property taxes, about 1.03% of their home's value, higher than the Missouri rate of 0.85%. The median household earns $49,038 a year, so the median home costs 2.1 times the median income (3.3 times for Missouri). 89% of occupied homes here are lived in by their owners, and 67% of those owners still have a mortgage.
Whitewater at a glance
| Whitewater | Missouri | U.S. | |
|---|---|---|---|
| Median home value | $105,100 | $230,300 | $332,700 |
| Median property tax paid per year | $1,080 | $1,948 | $3,119 |
| Property tax as a share of value | 1.03% | 0.85% | 0.94% |
| Median household income | $49,038 | $70,702 | $80,734 |
| Homes lived in by their owners | 89% | 68% | 65% |
| Owner homes with a mortgage | 67% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $1,167 | $1,524 | $1,963 |
| Those costs as a share of the owners' income | 27.7% | 19.0% | 21.0% |
| Median rent | – | $1,033 | $1,413 |
| Median year homes were built | 1973 | 1978 | 1980 |
| Vacant homes | 30.2% | 11.2% | 10.1% |
| Population | 64 | 6,191,814 | 334,922,499 |
What a typical home costs per month in Whitewater
At this week's average 30-year rate of 7.11%, buying the median Whitewater home of $105,100 with 20% down costs about $700 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $875, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $29,983 for the 20%-down payment. That payment is 17% of the median Whitewater household income of $49,038; at that income and 20% down, the 28% guideline points to a home of about $172,000.
| Down payment | $21,020 |
|---|---|
| Loan amount | $84,080 |
| Principal and interest | $566 |
| Property taxes (1.03% a year) | $90 |
| Homeowners insurance (our estimate, 0.5% a year) | $44 |
| PMI | $0 |
| Total per month | $700 |
Change the numbers in the calculator
| Down payment | $3,678 |
|---|---|
| Loan amount | $103,196 |
| Principal and interest | $694 |
| Property taxes (1.03% a year) | $90 |
| Homeowners insurance (our estimate, 0.5% a year) | $44 |
| FHA mortgage insurance | $46 |
| Total per month | $875 |
Change the numbers in the calculator
Questions about home buying in Whitewater
What is the median home value in Whitewater?
About $105,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Whitewater?
Homeowners pay a median $1,080 a year, which is about 1.03% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Whitewater?
For the median home with 20% down at 7.11%, the payment is about $700 a month. Keeping that under 28% of gross income takes about $29,983 a year.
More about Whitewater
- Mortgage Refinance in Whitewater
- Debt Relief in Whitewater
- Home Equity Loans in Whitewater
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data