ZIP Code 53190 — Whitewater city, WI Demographics & Data

ZIP code 53190 covers Whitewater, WI in Walworth County with a population of about 20,461.

At a glance, the area shows median age of 22.8 versus a U.S. median of about 38.9.

It sits in telephone area code 262; U.S. House district WI-1; the MILWAUKEE media market.

Whitewater, WI sits in a university / college context (near university of wisconsin-whitewater (1.9 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 53190 is about $59,598 — about 21% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 22.6%; unemployment rate near 3.5%; 34.6% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Education, and Retail trade; about 9.4% of workers reporting work-from-home (about 5.8 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $247,000 — about 29% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $847 (about 27% below the U.S. median rent ($1,163)), and owner-occupancy near 45.8% (about 19.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 53190 in Whitewater, WI, a household would need roughly $68,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,587. That is roughly in line with the local median household income ($59,598). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Whitewater city, WI as Relatively Low (composite score 74.8), which is elevated versus much of the country. The strongest component scores on US5 are flood (73.2) and wildfire (25.3). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Whitewater city, WI show little to no average snow and around 36.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,194 for ZIP 53190 (Whitewater city, WI) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.