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203 S Whiton St, Whitewater, WI, 53190

6beds
3baths
2,500sqft
$384,900
$154price/sqft
$2,775/moest. monthly cost
$111,000/yrincome needed

About This Home

Currently rented for $40,200 annually for the 2026–2027 lease term! Well-located Whitewater duplex offering a total of 6 bedrooms and 3 full bathrooms. An excellent opportunity for investors or owner-occupants looking to house hack, with strong rental potential and immediate income already in place. Both units are leased, providing stable cash flow from day one. Each unit features in-unit laundry, adding convenience and tenant appeal. Whether you’re looking to expand your investment portfolio or offset your mortgage with rental income, this property offers a compelling opportunity in the Whitewater market.

Getting Around

66
WalkingSomewhat Walkable
0
TransitVery Limited Transit
54
BikeBikeable

Schools

4/10
4/10
Whitewater Middle SchoolGrades 6-80.5 mi
4/10
Whitewater High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1940

Materials

  • Foundation: Poured concrete foundatn,Block
  • Construction materials: Vinyl Siding,Wood Siding,Stone

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Range/Oven (Unit 1),Refrigerator (Unit 1),Dishwasher (Unit 1),Washer/Dryer (Unit 1),Range/Oven (Unit 2),Refrigerator (Unit 2),Dishwasher (Unit 2),Washer/Dryer (Unit 2)
  • Laundry features: In Unit (Unit 1)

Basement

  • Has basement: Yes
  • Basement: Full,Finished

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Family/Rec Room (Unit 1),Dining Room (Unit 1),Separate Storage (Unit 1),Family/Rec Room (Unit 2),Dining Room (Unit 2),Separate Storage (Unit 2)

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Air Conditioning (Unit 1),Air Conditioning (Unit 2)

Interior Area

  • Total structure area: 2,500
  • Total interior livable area: 2,500 sqft

Property

Details

  • Parcel number: BIR 00002
  • Zoning: Res
  • Exclusions: Tenants personal items

Features

  • Levels: Two

Lot

  • Lot size: 0.27 Acres

Parking

  • Total spaces: 8
  • Parking features: 2 stall garage,Detached
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Hail
Heat Wave
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across Wisconsin Counties

Flood
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,946$23,352
Home Insurance *$148$1,776
Property Taxes $447$5,364
Electricity $234$2,819
Total$2,775$33,300
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,142/yr
40% on housing$83,250/yr
45% on housing$74,000/yr

Wisconsin FAIR Plan Programs

Wisconsin Insurance Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 5,246Commercial: 198
Total Premiums$4.55M
Total Exposure$860.28M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.7%
7.7%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -1.2%
-1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$154This listing

vs Other Active Listings

Avg $/sqft

ZIP 53190$155
Walworth County$295

vs Homes Sold Last Month

Median $/sqft

ZIP 53190$189
Walworth County$228

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-04Price change$384,900
2026-05-15Listed for sale$395,000
2022-09-29Sold$330,000
2022-08-30Pending sale$319,000
2022-08-24Listed for sale$319,000
2017-10-03Sold$299,700
2006-12-01Sold$186,000

For Sale by Agent

AgentCameron Ward
BrokerageStark Company, REALTORS

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