Median Income
$60,536
19% lower than US avg
Home Value
$80,000
72% lower than US avg
Violent Crime
200/100K
47% lower than US avg
Bachelor's+
21.4%
36% lower than US avg
Obesity Rate
34.3%
7% higher than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
4.0%
68% lower than US avg
How Whitewater Compares to the U.S. Average (100% = U.S. avg)
People
Population71
Median Age50.2 yrs
Density888/mi²
Male / Female63% / 37%
Largest GroupWhite 100%
Veterans58.0%
Economy
A
Median Income$60,536
Per Capita$25,231
Unemployment0.0%
Poverty4.0%
County GDP$1,563M
Commute18 min
Housing
A+
Home Value$80,000
Ownership90.3%
Zillow$228,966
Housing Units24
Rent Burden23.5%
Crime
F
Violent200/100K
Property2,603/100K
Health
Obesity34.3%
Uninsured8.4%
Smoking17.3%
Depression26.5%
Heart Disease6.1%
Climate
Avg Temp52°F (11°C)
AQI41 (Good)
Rain42.9 in/yr
Sunny Days293/yr
Elevation1,131 ft (345 m)
Education
C+
Bachelor's+21.4%
High School+100.0%
Graduate+7.1%
School Score6.01
Community
2024 VoteR 79% / D 20%
Commute18 min
Broadband31.0%
EV Stations3
Libraries11
Is Whitewater a Good Place to Live?
Based on current data, Whitewater receives an overall livability score of 3.2 out of 5.0, earning a grade of B. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Whitewater offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Whitewater is $60,536, 19% below the national average of $75,149. The job market is very strong with unemployment at just 0.0%. Only 4.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 18 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Whitewater is $80,000, 72% below the national median / offering relatively affordable homeownership. At just 1.3x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Whitewater is below the national average at 200 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 2,603 per 100,000, 33% above the national average.
Education
21.4% of residents hold a bachelor's degree, below the national average of 33.7%. 100.0% have completed high school. Area schools have an average test score of 6/10.
Climate & Weather
Whitewater experiences four distinct seasons with an average temperature of 52°F. Winters average 28°F in January while summers reach 74°F in July. With 293 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 42.9 inches. Air quality is rated Good with a median AQI of 41.
Whitewater has a population of 71 with a density of 888 people per square mile, spread across 0.1 square miles. The median age is 50.2 years, 29% older than the national median of 38.9. The gender split is 36.6% female and 63.4% male. The city is predominantly White (100%). English is the primary language spoken at home by 94.4% of residents, while 5.6% speak Spanish. 58.0% of the population are veterans, above the national rate of 6.0%. 24.1% of residents have a disability (above the 13.0% national average). 90.7% have health insurance coverage.
Population
50.2yrs
Median Age
29% above US avg
Race & Ethnicity
Whitewater vs U.S. Average
Language Spoken at Home
English Only
94.4%
20% above US avg
Spanish
5.6%
58% below US avg
Social Characteristics
Whitewater vs U.S. Average
The median household income in Whitewater is $60,536, which is 19% below the national average of $75,149. Per capita income is $25,231 (below the $39,052 national figure). The average weekly wage is $1,014, 29% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). 4.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 806 business establishments, including 59 restaurants. The cost of living index is 93.3, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 18 minutes (shorter than the 28-minute US average). 22.2% of workers work from home (above the 15.2% national rate).
Income: Whitewater vs U.S.
Income
| Median HH Income | $60,536 |
| 19% below US avg |
| Per Capita Income | $25,231 |
| Avg Weekly Wage | $1,014 |
| IRS Avg AGI | $62,409 |
| Gini Index | 0.403 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 4.0% |
| 68% below US avg |
| Establishments (County) | 806 |
| County GDP | $1,563M |
Business (County)
| Restaurants | 59 |
| Healthcare | 77 |
| Retail | 89 |
| Manufacturing | 50 |
Tax & Cost of Living
| Property Tax (IRS) | $3,260 |
| 7% below US avg |
| Cost of Living | 93.30 (100=avg) |
| Effective Tax Rate | 4.08% |
Commute & Transportation
| Commute Time | 17.5 min |
| Drive Alone | 72.2% |
| Public Transit | 0.0% |
| Work from Home | 22.2% |
The median home value in Whitewater is $80,000, 72% below the national median of $281,900. Zillow estimates the typical home value at $228,966, higher than the Census estimate. Fair market rent ranges from $882 for a one-bedroom to $1,096 for a two-bedroom apartment. 90.3% of housing units are owner-occupied (above the 65.4% national rate). There are 24 total housing units in the city. The median year a home was built is 1950. The average annual property tax is $3,260. 23.5% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.3x, well within the affordable range.
Home Values
| Census Median | $80,000 |
| 72% below US avg |
| Zillow ZHVI | $228,966 |
Real Estate Market (Redfin)
Rental Costs
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $882 |
| 2 Bedrooms | $1,096 |
| 3 Bedrooms | $1,391 |
| 4 Bedrooms | $1,590 |
Ownership & Property
| Homeownership | 90.3% |
| Owner-Occupied | 90.3% |
| Renter-Occupied | 9.7% |
| Housing Units | 24 |
| Median Year Built | 1950 |
Property Tax
| Avg Tax (IRS) | $3,260 |
| 7% below US avg |
| Effective Rate | 4.08% |
In Whitewater, 34.3% of adults are obese, above the national rate of 32.1%. 10.1% have diabetes. Heart disease affects 6.1% of residents. 33.1% have high blood pressure. 17.3% are current smokers (above the 14.0% national rate). 20.5% report binge drinking. 22.6% are physically inactive. 26.5% report depression (above the 20.0% national average). 18.8% experience frequent mental distress. 8.4% of residents lack health insurance. The primary care physician ratio is 1:5,838. The dentist ratio is 1:6,766. 35.1% of residents have access to exercise opportunities. The food environment index is 8.3 out of 10.
Health Metrics: Whitewater vs U.S. Average (%)
Chronic Conditions
| Obesity | 34.3% |
| 7% above US avg |
| Diabetes | 10.1% |
| Heart Disease | 6.1% |
| High Blood Pressure | 33.1% |
| Asthma | 10.8% |
| COPD | 7.2% |
| Cancer | 7.5% |
| Stroke | 2.9% |
Behaviors & Mental Health
| Smoking | 17.3% |
| 24% above US avg |
| Binge Drinking | 20.5% |
| Physical Inactivity | 22.6% |
| Depression | 26.5% |
| Mental Distress | 18.8% |
| Physical Distress | 12.9% |
| Short Sleep | 37.9% |
Healthcare Access
| Insurance Rate | 90.7% |
| Uninsured | 8.4% |
| 2% below US avg |
| Primary Care | 1:5,838 |
| Dentists | 1:6,766 |
| Mental Health | 1:989 |
| Checkup Rate | 76.2% |
| Dental Visits | 64.0% |
| Premature Death | 9,640/100K |
Food & Exercise
| Food Environment | 8.3/10 |
| Exercise Access | 35.1% |
| Healthcare Facilities | 77 |
Whitewater has a violent crime rate of 200 per 100,000 residents, 47% below the national average of 380. Property crime stands at 2,603 per 100,000, 33% above the U.S. average. The county recorded 9 fatal traffic crashes. Overall, Whitewater receives a safety grade of F.
Crime Rates: Whitewater vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 200.2/100K |
| 47% below US avg |
| |
Property Crime
| Total Property | 2,603.0/100K |
| 33% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 9 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Whitewater experiences four distinct seasons with an average annual temperature of 52°F (11°C). Winters average 28°F in January while summers reach 74°F in July. The area gets 293 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 42.9 inches. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 1,131 feet.
Temperature
28°F Jan (-2°C)
74°F Jul (23°C)
| Annual Average | 52.3°F |
| 3% below US avg |
| January Average | 28°F (-2°C) |
| July Average | 74°F (23°C) |
| Sunny Days | 293 days/yr |
Geography
| Elevation | 1,131 ft (345 m) |
| Area | 0.1 sq mi (0.2 km²) |
| Population Density | 888/sq mi |
| Coordinates | 39.9448°N, 84.8311°W |
| Timezone | America/Indiana/Indianapolis |
| County | Preble County County |
| Nearest Airport | James M Cox Dayton International (DAY)
33 miles away |
Precipitation & Snow
Annual Rainfall
42.9"
13% above US avg
Wettest Month (May)
4.45"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0404 ppm |
| SO₂ (Sulfur Dioxide) | 0.43 ppb |
| CO (Carbon Monoxide) | 0.17 ppm |
| PM2.5 (Fine Particles) | 9.2 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 43.3 / 100 |
| Social Vulnerability | 30.9 / 100 |
| Community Resilience | 66.6 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Moderate |
| Drought |
Very Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
7 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.8. Most recent: M2.6 on Jun 12, 2015.
| Sep 12, 2004 |
4 km NW of Manilla, Indiana |
M3.8 |
80 km |
| Feb 19, 1995 |
8 km SSE of Rocky Fork Point, Ohio |
M3.6 |
148 km |
| Apr 17, 1990 |
8 km NW of Fort Recovery, Ohio |
M3.0 |
57 km |
| Apr 4, 1994 |
2 km WNW of Minster, Ohio |
M2.9 |
63 km |
| May 12, 2006 |
2 km E of Lima, Ohio |
M2.8 |
109 km |
| Jun 12, 2015 |
6 km NW of Convoy, Ohio |
M2.6 |
113 km |
| Jan 30, 2004 |
2 km S of Rockford, Ohio |
M2.5 |
82 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
556 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 70 fatalities, 2,511 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 3, 1974 |
EF5 |
75 km |
36 |
| May 27, 2019 |
EF4 |
34 km |
0 |
| Nov 10, 2002 |
EF4 |
93 km |
4 |
| Sep 20, 2000 |
EF4 |
80 km |
1 |
| Apr 9, 1999 |
EF4 |
89 km |
4 |
| Jun 11, 1998 |
EF4 |
97 km |
0 |
| Feb 18, 1992 |
EF4 |
90 km |
0 |
| Jun 2, 1990 |
EF4 |
81 km |
0 |
| Jul 9, 1980 |
EF4 |
66 km |
2 |
| Apr 3, 1974 |
EF4 |
73 km |
0 |
| Apr 3, 1974 |
EF4 |
39 km |
1 |
| Apr 3, 1974 |
EF4 |
90 km |
2 |
| Apr 11, 1965 |
EF4 |
59 km |
3 |
| Apr 11, 1965 |
EF4 |
82 km |
4 |
| Apr 25, 1961 |
EF4 |
92 km |
0 |
| Mar 6, 1956 |
EF4 |
94 km |
1 |
| Mar 14, 2024 |
EF3 |
85 km |
3 |
| Mar 14, 2024 |
EF3 |
36 km |
1 |
| Mar 31, 2023 |
EF3 |
88 km |
0 |
| May 27, 2019 |
EF3 |
65 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
28°F (-2°C) |
2.3 in |
Coldest |
| February |
29°F (-2°C) |
2.2 in |
Driest |
| March |
39°F (4°C) |
3.4 in |
|
| April |
50°F (10°C) |
3.8 in |
|
| May |
60°F (16°C) |
4.5 in |
Wettest |
| June |
69°F (21°C) |
3.8 in |
|
| July |
74°F (23°C) |
4.2 in |
Warmest |
| August |
71°F (22°C) |
3.5 in |
|
| September |
64°F (18°C) |
2.7 in |
|
| October |
53°F (12°C) |
2.9 in |
|
| November |
41°F (5°C) |
3.2 in |
|
| December |
31°F (-1°C) |
3.0 in |
|
Whitewater has a seasonal temperature swing of 46°F / from 28°F in January to 74°F in July. Total annual precipitation is 39.4 inches, with May being the wettest month (4.5") and February the driest (2.2").
Average costs for common services in Whitewater. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$233 ($140-$373) |
| Specialist Visit |
$327 ($187-$513) |
| Urgent Care Visit |
$187 ($93-$327) |
| Emergency Room Visit |
$2,053 ($746-$4,665) |
| Dental Cleaning |
$121 ($70-$187) |
| Dental Filling |
$233 ($140-$373) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($23-$70) |
| Oil Change (Synthetic) |
$70 ($47-$112) |
| Brake Pad Replacement |
$280 ($140-$467) |
| Tire Rotation |
$37 ($19-$70) |
| New Tires (Set of 4) |
$560 ($373-$933) |
| Battery Replacement |
$187 ($93-$327) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$93 ($56-$140) |
| Electrician (Per Hour) |
$84 ($47-$131) |
| HVAC Repair |
$373 ($140-$746) |
| HVAC System Install |
$6,531 ($3,732-$11,196) |
| Roof Repair |
$933 ($373-$1,866) |
| Roof Replacement |
$8,397 ($5,132-$13,995) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,400 ($467-$3,266) |
| Divorce (Contested) |
$13,995 ($4,665-$27,990) |
| DUI Defense |
$4,665 ($1,866-$9,330) |
| Bankruptcy (Chapter 7) |
$1,400 ($746-$2,799) |
| Will Preparation |
$467 ($187-$933) |
| Trust Preparation |
$2,333 ($933-$4,665) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14-$42) |
| Women's Haircut |
$51 ($28-$93) |
| Hair Coloring (Full) |
$140 ($70-$233) |
| Manicure |
$23 ($14-$42) |
| Pedicure |
$37 ($23-$61) |
| Massage (1 Hour) |
$75 ($47-$121) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.83 ($2.80-$5.13) |
| Dozen Eggs (per dozen) |
$3.27 ($2.33-$4.67) |
| Loaf of Bread |
$3.55 ($2.33-$5.13) |
| Chicken Breast (per lb) |
$4.20 ($2.80-$6.06) |
| Ground Beef (per lb) |
$5.13 ($3.73-$7.00) |
| Rice (per lb) |
$0.93 ($0.56-$1.68) |
View all 20 services
Utilities
| Electricity (Monthly) |
$131 ($75-$233) |
| Natural Gas (Monthly) |
$65 ($28-$140) |
| Water/Sewer (Monthly) |
$65 ($37-$112) |
| Internet (Monthly) |
$65 ($37-$93) |
| Cell Phone Plan (Monthly) |
$61 ($28-$93) |
| Cable TV (Monthly) |
$79 ($47-$140) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$187 ($70-$467) |
| Car Insurance (Annual) |
$1,866 ($1,120-$3,266) |
| Bus Pass (Monthly) |
$65 ($28-$121) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.46-$23) |
| Car Registration (Annual) |
$93 ($28-$233) |
| Driver's License Renewal |
$28 ($14-$70) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,120 ($560-$2,333) |
| Daycare (Toddler, Monthly) |
$933 ($467-$1,866) |
| After-School Care (Monthly) |
$373 ($187-$653) |
| Tutoring (Per Hour) |
$47 ($23-$93) |
| SAT/ACT Prep Course |
$933 ($373-$2,333) |
| Private School (K-12, Annual) |
$11,663 ($4,665-$27,990) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28-$93) |
| Dog Vaccination (Annual) |
$93 ($47-$187) |
| Dog Grooming |
$56 ($28-$93) |
| Pet Boarding (Per Night) |
$37 ($19-$70) |
| Dog Spay/Neuter |
$280 ($140-$467) |
| Cat Spay/Neuter |
$187 ($93-$373) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $961 |
| Toddler | $866 |
| Preschool | $758 |
| Family Childcare (monthly) |
| Infant | $736 |
| Toddler | $714 |
| Preschool | $671 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Whitewater
What is the population of Whitewater?
Whitewater has a population of 71 residents and is located in Indiana. The population density is 888 people per square mile, spread across 0.1 square miles. The median age of residents is 50.2 years, which is older than the national median of 38.9 years. The population is 36.6% female and 63.4% male.
Is Whitewater expensive to live in?
Whitewater is more affordable than the national average, with a cost of living index of 93.3 / below the baseline of 100. The median household income is $60,536, 19% below the national average of $75,149. The median home value is $80,000 (72% below the U.S. median). The home price-to-income ratio is 1.3x, indicating housing is reasonably affordable relative to local income levels.
Is Whitewater safe?
Whitewater is safer than the national average, with a violent crime rate of 200 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 2,603 per 100,000 (above the national average). Overall, Whitewater receives a safety grade of F based on combined crime data.
What is the weather like in Whitewater?
Whitewater has a four-season climate with an average annual temperature of 52°F (11°C). Winter temperatures average 28°F in January, while summers reach an average of 74°F in July. The area receives 293 sunny days per year, well above the national average of 205. Annual rainfall totals 42.9 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Whitewater?
The job market in Whitewater is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $1,014. There are 806 business establishments in the area, including 59 restaurants and food service locations. The average commute time is 18 minutes, and 22.2% of workers work from home.
How much does housing cost in Whitewater?
The median home value in Whitewater is $80,000. Zillow estimates the typical home value at $228,966. The homeownership rate is 90.3%. The average annual property tax is $3,260.
How are the schools in Whitewater?
Schools in Whitewater score 6 out of 10 on standardized testing, near the national average. 21.4% of adults in Whitewater hold a bachelor's degree or higher, below the national average of 33.7%. 100.0% have completed high school. 7.1% hold a graduate or professional degree.
How healthy is Whitewater?
The obesity rate in Whitewater is 34.3% (above the national rate of 32.1%). 17.3% of adults are smokers. 22.6% are physically inactive. 26.5% of residents report depression. 8.4% lack health insurance. 35.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:5,838.
What is transportation like in Whitewater?
The average commute in Whitewater is 18 minutes, shorter than the national average of 28 minutes. 72.2% of workers drive alone to work, and 22.2% work from home.
What are the demographics of Whitewater?
The racial and ethnic makeup of Whitewater is 100% White. 94.4% of residents speak only English at home, while 5.6% speak Spanish. 58.0% of the population are military veterans. 24.1% of residents have a disability. 90.7% have health insurance coverage.
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