Whitewater, MT population, income and ZIP codes

Whitewater CDP is a very small community in Montana, with 100 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #318 of 497 ranked by population — larger than 36% of them. The median age here is 31.4 years against 39.1 nationally, a distinctly younger profile, typical of places with students, military posts or a fast-growing family population. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Whitewater CDP earn a median of $35,417 a year, 54.9% below the national figure of $78,538 and 44% below the $62,992 median for the 94 Montana cities we cover. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 27% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in Whitewater CDP is valued at $79,000, 74% below the national figure and 69% below the $250,900 peer median, while median gross rent runs $267 a month, 81% below the national figure, or roughly $3,204 across a full year. A household on the local median income would put about 9% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.2×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 27.1% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

With 100 residents, a handful of survey responses moves every median on this page. Compare Whitewater CDP against its county rather than against national figures.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.