Whitewater, CO—81527
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Whitewater, CO
As of Oct '25, the median home price in Whitewater, CO is $545,000, with a year-over-year change of 5.1%. This indicates that home prices in Whitewater, CO are increasing. According to Zillow, the 1-year price projection is 2.3%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $545,000 | 5.1% |
| Single Family | $545,000 | 5.6% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $462,000 | 3.4% |
3 Bed | $527,000 | 5.8% |
4 Bed | $650,000 | 7.3% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Whitewater, CO
Whitewater, CO lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Whitewater, CO
As of Oct '25, Realtor.com reports that the median days on market for a home in Whitewater, CO is 68. This is a increase of 10.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 15.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $632,000 | -36.0% |
Listing Count | 26 | 56.0% |
| Listings as % of Homes | 1.5% | 56.0% |
Days on Market | 68 | 10.0% |
Demographics — Whitewater, CO
As of the latest ACS Survey released in 2023, Whitewater, CO has a population of 1,340, which has decreased by -27.7% over the past 5 years. Whitewater, CO is a less popular place for families, as children make up 5.3% of the population. The area has a poorly educated workforce, with 19.4% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 11.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 1,340 | -27.7% |
% Under 18 | 5.3% | -70.4% |
% Seniors | 23.1% | 5.5% |
% WFH | 11.3% | 76.6% |
% w/ College Degree | 19.4% | -41.7% |
As of the latest ACS Survey released in 2023, Whitewater, CO is a predominantly white area, with 87.6% of the population identifying as white. The white population has shrunk by 6.6% in the last 5 years. The second most common race or ethnicity in Whitewater, CO is hispanic, making up 7.7% of the population. Foreign-born residents account for 0.1% of the population in Whitewater, CO, and this percentage has decreased by 92.3% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 87.6% | -6.6% |
% Black | 0.0% | -100.0% |
% Hispanic | 7.7% | 30.5% |
% Asian | 1.8% | ∞% |
% Foreign Born | 0.1% | -92.3% |
Mortgage and Risk — Whitewater, CO
According to HUD data as of 2023, there were 106 mortgage originations in Whitewater, CO, of which 88.0% of loans were conventional mortgages. The average loan-to-value was 48.0%, with 16.0% above 90% LTV (elevated). This implies medium mortgage risk in Whitewater, CO. Investor activity is low, as 2.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 106 |
% Conventional Loans | 88.0% |
% Government Loans | 12.0% |
% Investor Loans | 2.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Whitewater, CO
Whitewater, CO lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 1 |
Total Units Section 8 | 1 |
% Rentals under Section 8 | 1.2% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $940 |
| 2 Bedroom | N/A | N/A | $1,210 |
| 3 Bedroom | N/A | N/A | $1,680 |
| 4 Bedroom | N/A | N/A | $2,040 |
Affordability — Whitewater, CO
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.7 |
| Median Home Price | $545,000 |
| Median Household Income | $83,400 |