What it's like to live in Watertown
Watertown is a small city in Wisconsin with rent below the national average, home prices that remain within reach, county unemployment below the national average, and crime rates well below the national average. Those factors carry real weight for anyone weighing where to move next.
The tradeoffs are worth naming plainly. Watertown deals with college degree attainment below the national average, cold, harsh winters, snowy winters, and fewer dining and entertainment options than a bigger city.
The good
- Rent below the national average
- Affordable home prices
- Low unemployment in the county
- Low crime rates
- Low student-teacher ratio
The not so good
- Low college degree attainment
- Cold, harsh winters
- Snowy winters — 37" per year
- Smaller place — fewer dining and entertainment options
- Car-dependent — few commuters use transit
How Watertown compares
Median household income
Median rent (per month)
Median home value
What it takes to move to Watertown
Based on Watertown's median rent, home value and household income
To rent
$2,104
up front: first month plus a typical one-month deposit
- Income to keep rent under 30%: $42,080 a year
- 40% of Watertown renters spend 30% or more of their income on rent
To buy
$44,420
a 20% down payment on the median home
- With 10% down: $22,210
- Homes cost 3.2× the typical local household income (US: 4.1×)
Moving costs, closing costs and taxes not included.
The details
Cost of living▼ 26% below US
$1,052/mo median rent
Rent here is genuinely low, with median rent around $1,052 a month. Factoring in local incomes, the value gets even better. Money stretches further here than in most of the country. Home prices here are genuinely accessible, with a median around $222,100. That kind of affordability is rare in today's market.
Median home value $222,100 · 40% of renters cost-burdened
Job market
2.9% county unemployment
Unemployment in Jefferson County is 2.9%, a little below the national average of 4.3%. That's the county-wide rate; BLS doesn't measure a place this size on its own.
Jefferson County (county-wide)
Safety▼ 49% below US
169 violent crimes per 100k
Pretty safe, all things considered. Violent crime sits below the national average, nothing alarming, just ordinary city-life awareness.
Property crime 559/100k · Watertown Police Department · 2025 data
Getting aroundNear US average
25 min average commute
Commutes run about average, at 24.6 minutes. Fine day to day, but it adds up over a year, and where someone lives relative to where they work starts to matter. 9 in 10 workers drive to work; 7% work from home.
How workers get to work
Climate
Summers are comfortable, with highs around 80°F, and winters are cold and harsh, with lows dropping to 14°F.
Average month
30-year averages, 1991–2020
Healthcare
1 hospital
There's one Medicare-certified hospital inside city limits, rated 3.0 out of 5 by Medicare. Hospitals in neighboring towns aren't counted here.
Medicare-certified hospitals
Education & workforce▼ 49% below US
18% bachelor's degree or higher
This is a working-class city, and college degree rates reflect that. Trades, manufacturing, and service industries tend to dominate the local economy, which is a strength for some fields and a real constraint for others.
Schools
9 public schools inside the boundary
There are 9 public schools inside the boundary and 9 private schools. The student-to-teacher ratio is 14:1, well below the national average of 16:1. Smaller class sizes are generally a positive sign for a district.
Parks & recreation
The nearest national park or historic site is Ice Age National Scenic Trail (69 miles away).
Bottom line
Watertown's strongest points are rent below the national average and home prices that remain within reach; the main tradeoffs are college degree attainment below the national average and cold, harsh winters. A year of median rent ($1,052/mo) equals 18% of the median household income here, less than the 21% typical nationwide. It tends to suit people watching their budget, job seekers (county-wide unemployment is low), and anyone prioritizing low crime. It may be a harder fit for anyone who dislikes long, cold winters.
Other places near Watertown
All Wisconsin guides →Moving to Oconomowoc →
13 mi away · pop. 19,080
Rent $1,301/mo · Income $106,425
Compare with Watertown →Moving to Fort Atkinson →
19 mi away · pop. 12,463
Rent $961/mo · Income $79,302
Compare with Watertown →Not sure Watertown is the one?
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