C-

Whitewater, CO

Source:

Affordability Score: 52/100

Population: 2,073 · 1 ZIP codes

The affordability dashboard for Whitewater, CO aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 2,073 residents, then layers in county-level federal data to produce an overall grade of C- (52/100). The headline inputs are median household income of $76,815, median home value of $425,600, median rent of $1,289 per month, and 27.5% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,249 per month (studio $881, 1BR $986, 3BR $1,737, 4BR $2,095). Department of Labor data lists infant center-based childcare at $11,575 per year, consuming 15% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Strengths visible in the raw data for Whitewater, CO include rent. Pressure points are housing. Unemployment currently reads 10.2% and poverty 2.4% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income C+
$76,815
Median household income
Education D
27.5%
Bachelor's degree or higher
Housing F
5.5x
Home value $425,600 vs income
Commute N/A
N/A
Average commute time
Rent A-
$1,249/mo
2BR fair market rent (20% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare D
$11,575/yr
Center-based infant care (15% of income)

Income & Employment

Median Income
$76,815
▲ 24% vs national
Per Capita Income
$46,956
Unemployment Rate
10.2%
Poverty Rate
2.4%

Housing

Median Home Value
$425,600
▲ 55% vs national
Median Rent
$1,289/mo
Owner Occupied
82.5%
2BR Fair Market Rent
$1,249/mo
▲ 4% vs national

Fair Market Rents by Bedroom

Studio
$881
1BR
$986
2BR
$1,249
3BR
$1,737
4BR
$2,095

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
27.5%
▼ 2 ppt vs national
High School+
46.5%
Median Age
54.2
Avg. Commute

Childcare Costs

Infant (Center)
$11,575/yr
15% of income
Toddler (Center)
$10,512/yr
Preschool (Center)
$9,422/yr
School-Age (Center)
$7,013/yr

What This Means

Whitewater, CO receives an overall affordability grade of C- (52/100), aggregated from 1 ZIP codes with a total population of 2,073. This area performs well in rent. Challenges include housing. Data was unavailable for commute, safety — these dimensions were excluded from the overall score.

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What are common questions about this dashboard?

Is Whitewater, CO affordable?
Whitewater, CO receives an overall affordability grade of C- (52/100) based on Census, HUD, FBI, and DOL data. Median household income is $76,815. Median home value is $425,600.
What is the cost of living in Whitewater?
Key cost metrics: Median rent $1,289/mo. 2BR fair market rent $1,249/mo. Infant childcare $11,575/yr. Median home value $425,600.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →