Warsaw, IN demographics:
population, income, and more

Total population
16,768
1.1% year-over-year change
Median household income
$61,035/yr
6.8% year-over-year change
Housing units
7,633
1.3% year-over-year change

Warsaw population

How many people live in Warsaw

Warsaw is home to 16,768 residents, according to the most recent Census data. Gender-wise, 48% of Warsaw locals are male, and 52% are female.

Total population
16,768
1.1% year-over-year change
Gender ratio
Male
48%
8,041
Female
52%
8,727
Value Percent YoY change
Male 8,041 48% -0.1%
Female 8,727 52% 2.1%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Warsaw is 34, with the population distributed as follows: about 18.7% are children under 15, then 16.1% are in the 15 to 24 age group. Adults between 25 and 44 make up 29% of the population, while another 21.1% fall into the 45 to 64 bracket. Finally, around 15.1% are 65 or older.

Median age
33.8
Age breakdown
Under 15
18.7%
15 to 24
16.1%
25 to 44
29%
45 to 64
21.1%
Over 65
15.1%
Value Percent YoY change
Under 15 3,138 18.7% 0.5%
15 to 24 2,701 16.1% 7.9%
25 to 44 4,856 29% 1.9%
45 to 64 3,535 21.1% -9.0%
Over 65 2,538 15.1% 9.7%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Warsaw, 89.6% of the population are US-born citizens, while 2.9% have gained naturalized citizenship. At the same time, 7.5% of residents are non-citizens. As for race, 77.9% of locals are Caucasian, 1.7% are African American and 4.1% have Asian roots. There’s also a share of 12.1% that includes residents with two or more races.

Citizenship
U.S.-born citizens
89.6%
Non-U.S.-born citizens
2.9%
Non-citizens
7.5%
Value Percent YoY change
U.S.-born citizens 15,015 89.6% 1.8%
Non-U.S.-born citizens 490 2.9% -23.7%
Non-citizens 1,263 7.5% 5.8%
Racial breakdown
White
77.9%
Black or African American
1.7%
American Indian and Alaska Native
0%
Asian
4.1%
Native Hawaiian and other Pacific Islander
0%
Two or more races
12.1%
Other
4.3%
Value Percent
White 13,056 77.9%
Black or African American 292 1.7%
Asian 682 4.1%
Two or more races 2,024 12.1%
Other 714 4.3%

Households in Warsaw

A peek inside Warsaw households

Warsaw has 7,089 households, with an average of 2 members in each. Of these, 56.3% are families, while the remaining 43.7% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
7,089
1.2% year-over-year change
Average people per household
2
Non-family households
3,100
Family households
3,989
Value Percent YoY change
Non-family households 3,100 43.7% -1.6%
Family households 3,989 56.3% 3.5%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Warsaw

The housing landscape of Warsaw

Warsaw's housing consists of 7,633 units, with 53% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 4.2% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 2.7% of the housing landscape.

Housing units
7,633
1.3% year-over-year change
Housing types
Value Percent
1 unit, detached 4,047 53%
1 unit, attached 319 4.2%
2 units 381 5%
3 or 4 units 576 7.6%
5 to 9 units 740 9.7%
10 to 19 units 474 6.2%
20 to 49 units 534 7%
50 or more units 355 4.6%
Mobile home 207 2.7%
Homes built since 2020
204
41.7% year-over-year change

The age of buildings in Warsaw

In Warsaw, the median construction year is 1979. About 20.7% of homes were built before the 1940s, with another 4.1% going up by 1949. Most development happened in the second half of the 20th century. Then, 12.2% of homes were added from 2000 to 2009, 13.6% between 2010 and 2019, and 2.7% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 1,582 20.7% -7.7%
Built between 1940 and 1949 312 4.1% 23.8%
Built between 1950 and 1959 465 6.1% 7.4%
Built between 1960 and 1969 401 5.2% 11.1%
Built between 1970 and 1979 1,147 15% 16.7%
Built between 1980 and 1989 474 6.2% -7.4%
Built between 1990 and 1999 1,078 14.1% 0.6%
Built between 2000 and 2009 930 12.2% -0.1%
Built between 2010 and 2019 1,040 13.6% -8.5%
Built in 2020 or later 204 2.7% 41.7%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Warsaw occupancy rates

Out of the 7,089 occupied housing units in Warsaw, 49.3% are owner-occupied, while 50.7% are lived in by tenants. Meanwhile, 7.1% of all homes on the local market sit vacant.

Occupied housing units
7,089
1.2% year-over-year change
Occupancy breakdown
Renter occupied
3,596
Owner occupied
3,493
Value Percent YoY
change
Renter occupied 3,596 50.7% 0.4%
Owner occupied 3,493 49.3% 2.1%
Unoccupied housing units
7.1%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Warsaw housing costs

Housing costs in Warsaw come to a median of $1,053 per month, while tenants specifically pay a median gross rent of $1,066.

Median housing costs per month
$1,053/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Warsaw
$1,066/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Warsaw

Warsaw education at a glance

About 42.6% of the population in Warsaw went to high school, while 18.1% pursued college studies. Another 5.8% earned an associate degree and 18.4% hold a bachelor’s. Meanwhile, 11.9% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 398 3.1% 28.8%
High school diploma 5,432 42.6% -0.6%
College diploma 2,308 18.1% 4.7%
Associate degree 740 5.8% -10.2%
Bachelor's degree 2,337 18.4% 3.7%
Graduate degree 1,520 11.9% -0.7%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Warsaw

How much people earn in Warsaw

The average annual household income in Warsaw was $72,843 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +5.6% change from the previous year. At the same time, the median income stood at $61,035, reflecting a +6.8% shift over the same period.

Average household income in Warsaw
$72,843/year
5.6% year-over-year change
Median household income in Warsaw
$61,035/year
6.8% year-over-year change

Warsaw income by age

In Warsaw, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $83,438. Those with someone between 45 and 64 in charge, often well established professionally, earn $54,986 overall. Younger households, where the main provider is under 25 and just starting out, report a median income of $38,636, while those led by someone over 65, many of whom may be retired, have about $50,275 in earnings. Overall, 82.7% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
Under 25 $38,636 7.9%
25 - 44 $83,438 3.6%
45 - 64 $54,986 -7.8%
Over 65 $50,275 21.0%
Above poverty level
13,365
Below poverty level
2,802
Value Percent YoY
change
Above poverty level 13,365 82.7% 0.4%
Below poverty level 2,802 17.3% 5.7%

Average renter income in Warsaw

To get a better sense of what renters earn on average in Warsaw, their median household income was $38,903 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 32.9%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$38,903
Rent-to-income ratio
32.9%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in Warsaw

Workforce and job types in Warsaw

The job market in Warsaw is powered by 8,394 working residents, spread across a range of industries and roles. 65% of the working population are employed in professional or administrative positions, while 35% are in hands-on or service-based jobs. Also, 10.2% run their own businesses, 74.4% are employed by private companies, and 6.2% work in the public sector.

Workforce demographics

Working population
8,394
0.9% year-over-year change
White collar
5,460
Blue collar
2,934
Value Percent YoY change
White collar 5,460 65% 1.1%
Blue collar 2,934 35% 0.5%
Employer type
Self employees
10.2%
Private companies
74.4%
Governmental workers
6.2%
Not for profit companies
9.3%
Value Percent YoY change
Self employees 854 10.2% -19.1%
Private companies 6,242 74.4% 3.3%
Governmental workers 518 6.2% 5.1%
Not for profit companies 780 9.3% 6.3%
Unemployment rate
2.3%
7.5% year-over-year change

Available workforce

The unemployment rate in Warsaw stands at 2.3%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Warsaw

How people get around in Warsaw

Commuting methods vary: 86% of residents travel by personal vehicle and 2.8% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Means of transportation
Value Percent YoY change
Car 7,028 86% 2.6%
Taxicab 57 0.7% -8.1%
Bus or trolleybus 35 0.4% -12.5%
Motorcycle 14 0.2% -6.7%
Walk 226 2.8% -1.7%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Warsaw by zipcode?

Zipcode Population Number of households Median income Average income
46580 21,794 8,389 $71,687 $83,897
46582 14,604 6,034 $66,738 $86,561

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FAQs about Warsaw demographics 

What is the total population of Warsaw?

Warsaw has a total population of 16,768 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +1.1% compared to a year ago.

What is the gender ratio in Warsaw?

The gender ratio in Warsaw is as follows:
  • 48% males (8,041 residents)
  • 52% females (8,727 residents)

What is the median age in Warsaw?

The median age in Warsaw is 33.8.

What is the age distribution of the population in Warsaw?

The age distribution in Warsaw is as follows:
  • Under 15: 18.7% (3,138 residents)
  • Ages 15-24: 16.1% (2,701 residents)
  • Ages 25-44: 29% (4,856 residents)
  • Ages 45-64: 21.1% (3,535 residents)
  • Over 65: 15.1% (2,538 residents)

What is the racial and ethnic makeup of Warsaw?

The racial and ethnic makeup of Warsaw is as follows:
  • White: 77.9% (13,056 residents)
  • Black or African American: 1.7% (292 residents)
  • American Indian and Alaska Native: 0% (0 residents)
  • Asian: 4.1% (682 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 12.1% (2,024 residents)
  • Other: 4.3% (714 residents)

What percentage of the population in Warsaw are U.S.-born citizens?

U.S.-born citizens represent 89.6% of the population in Warsaw.

How many housing units are there in Warsaw?

There are 7,633 housing units in Warsaw, reflecting a +1.3% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Warsaw and what is the average household size?

Warsaw has a total of 7,089 households, with an average of 2 people in each.

What is the median household income in Warsaw?

Warsaw has a median household income of $61,035, representing a +6.8% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Warsaw?

The employment rate is 97.7% in Warsaw, with a workforce of 8,394 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 65% (5,460 residents)
  • Blue-collar workers: 35% (2,934 residents)

Places of employment:
  • Self-employed: 10.2% (854 residents)
  • Private companies: 74.4% (6,242 residents)
  • Governmental workers: 6.2% (518 residents)
  • Not-for-profit companies: 9.3% (780 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025