HomeConnecticutNaugatuck Valley Planning RegionWatertown CDP
Watertown CDP, Connecticut: commercial real estate data.
Watertown CDP is a Census CDP of 3,897 people across 2.36 square miles of land, in Naugatuck Valley Planning Region. Median household income is $103,200, 80.1 percent of occupied homes are owned, and the SBA record carries 23 7(a) approvals to borrowers here worth $3.6 m.
76 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Watertown
What Watertown is
- Census place typeCDP
- Land area2.36 sq mi
- Water area0 sq mi
- Population per square mile of land1,650 plus or minus 380
- County holding the largest share of its areaNaugatuck Valley Planning Region, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Watertown
How many people live in Watertown
- Population3,897 plus or minus 897
- Median age43.9
- Population under 18916 plus or minus 298
- Share under 1823.5 percent plus or minus 5.4
- Population 65 and over710 plus or minus 174
- Share 65 and over18.2 percent
- Households1,500 plus or minus 338
- Family households980 plus or minus 263
- Share of households that are families65.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Watertown
Income and work in Watertown
- Median household income$103,200
- Per capita income$49,132
- Civilian labor force2,144 plus or minus 608
- Employed2,094 plus or minus 593
- Unemployed50 plus or minus 47
- Unemployment rate2.3 percent plus or minus 2.1
- Adults 25 and over2,860 plus or minus 653
- Adults 25 and over with a high school diploma or higher92.4 percent plus or minus 27.5
- Adults 25 and over with a bachelor degree or higher45.3 percent plus or minus 14.5
- Adults 25 and over with a graduate degree24.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Watertown
Housing in Watertown
- Housing units1,539 plus or minus 342
- Occupied units1,500 plus or minus 338
- Vacant units39 plus or minus 63
- Vacancy rate2.5 percent plus or minus 4.1
- Owner occupied1,202 plus or minus 290
- Renter occupied298 plus or minus 182
- Ownership rate80.1 percent
- Median owner-occupied home value$293,300
- Median gross rent, monthly$1,078 plus or minus $338
- Annual rent as a share of median income12.5 percent plus or minus 4.2
- Single family units1,285 plus or minus 275
- Share single family83.5 percent plus or minus 25.7
- Units in buildings of two or more254 plus or minus 191
- Share in buildings of two or more16.5 percent plus or minus 11.8
- Mobile homes0
- Median year structure built1963
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Watertown
How Watertown gets to work
- Workers 16 and over who commute1,863 plus or minus 553
- Commuting under 15 minutes847 plus or minus 233
- Share commuting under 15 minutes45.5 percent plus or minus 18.4
- Commuting 30 minutes or more470 plus or minus 179
- Share commuting 30 minutes or more25.2 percent plus or minus 6.0
- Drove alone73.9 percent
- Carpooled7.7 percent plus or minus 4.6
- Public transport1.6 percent plus or minus 2.6
- Walked0.0 percent
- Worked from home11.0 percent plus or minus 5.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Watertown
SBA loans in Watertown (7(a))
- Approvals23
- Gross approval$3,559,100
- Average approval$154,743
- Median approval$100,000
- Ninetieth percentile approval$280,000
- Largest approval$1,116,100
- Jobs supported233
- Jobs per approval10.1
- Loans with a final outcome8
- Paid in full8
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more17.4 percent
- Share to franchises4.3 percent
- Distinct lenders10
- Distinct industries by NAICS20
A charge-off rate is not published here. only 8 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Watertown
SBA loans in Watertown (504)
- Approvals4
- Gross approval$4,918,000
- Average approval$1,229,500
- Median approval$2,088,000
- Largest approval$2,156,000
- Jobs supported40
- Loans with a final outcome2
- Charged off0
- Median term300 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Naugatuck Valley Planning Region, not Watertown
Naugatuck Valley Planning Region context, not Watertown figures
These are Naugatuck Valley Planning Region figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Watertown measurements.
- Establishments in Naugatuck Valley Planning Region9,114
- Employment at those establishments, Naugatuck Valley Planning Region145,193
- Covered employment, Naugatuck Valley Planning Region160,111
- Average annual pay, Naugatuck Valley Planning Region$71,603
- Average weekly wage, Naugatuck Valley Planning Region$1,377
- Housing units permitted, Naugatuck Valley Planning Region317
- Of those, single family, Naugatuck Valley Planning Region264
- County product, 2024, Naugatuck Valley Planning Region$33,434,994,000
- Average income of an arriving household, Naugatuck Valley Planning Region$66,246
Every figure in this section is published for Naugatuck Valley Planning Region as a whole and is not a measurement of Watertown. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Watertown questions, answered from the record.
How many people live in Watertown, Connecticut?
3,897, in 1,500 households. Watertown CDP covers 2.36 square miles of land, which is 1,650 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Watertown in?
Naugatuck Valley Planning Region, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Watertown?
$103,200. The median owner-occupied home is valued at $293,300. Median gross rent is $1,078 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Watertown businesses?
23 7(a) approvals totalling $3.6 m, across 10 lenders, median approval $100,000, plus 4 504 approvals worth $4.9 m. These count approvals to borrowers whose address is in Watertown, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Watertown borrowers get paid back?
No rate is published for Watertown. only 8 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Watertown figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Naugatuck Valley Planning Region as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Watertown.
Is zoning published for Watertown?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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