HomeNew YorkJefferson CountyWatertown city
Watertown city, New York: commercial real estate data.
Watertown city is a Census city of 24,375 people across 9.03 square miles of land, in Jefferson County. Median household income is $51,753, 40.9 percent of occupied homes are owned, and the SBA record carries 26 7(a) approvals to borrowers here worth $11.6 m.
80 sourced place values · tier FULL · 9 sections
Watertown
What Watertown is
- Census place typecity
- Land area9.03 sq mi
- Water area0.36 sq mi
- Population per square mile of land2,699
- County holding the largest share of its areaJefferson County, 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
- Population24,375
- Median age35.7
- Population under 185,239
- Share under 1821.5 percent
- Population 65 and over3,894
- Share 65 and over16.0 percent
- Households11,867
- Family households5,736
- Share of households that are families48.3 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$51,753
- Per capita income$33,731
- Civilian labor force11,784
- Employed11,155
- Unemployed629 plus or minus 237
- Unemployment rate5.3 percent plus or minus 2.0
- Adults 25 and over16,709
- Adults 25 and over with a high school diploma or higher91.3 percent
- Adults 25 and over with a bachelor degree or higher26.6 percent
- Adults 25 and over with a graduate degree11.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Watertown
Housing in Watertown
- Housing units13,426
- Occupied units11,867
- Vacant units1,559
- Vacancy rate11.6 percent
- Owner occupied4,850
- Renter occupied7,017
- Ownership rate40.9 percent
- Median owner-occupied home value$158,600
- Median gross rent, monthly$967
- Annual rent as a share of median income22.4 percent
- Single family units6,210
- Share single family46.3 percent
- Units in buildings of two or more7,118
- Share in buildings of two or more53.0 percent
- Mobile homes98 plus or minus 69
- Median year structure built1945
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 commute11,130
- Commuting under 15 minutes6,327
- Share commuting under 15 minutes56.8 percent
- Commuting 30 minutes or more1,356 plus or minus 305
- Share commuting 30 minutes or more12.2 percent plus or minus 2.7
- Drove alone79.2 percent
- Carpooled7.3 percent plus or minus 2.0
- Public transport0.9 percent plus or minus 0.7
- Walked5.7 percent plus or minus 2.2
- Worked from home4.5 percent plus or minus 1.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Watertown
SBA 7(a) lending to Watertown borrowers
- Approvals26
- Gross approval$11,641,300
- Average approval$447,742
- Median approval$200,900
- Ninetieth percentile approval$1,120,100
- Largest approval$2,701,500
- Jobs supported267
- Jobs per approval10.3
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more15.4 percent
- Share to franchises3.8 percent
- Distinct lenders10
- Distinct industries by NAICS20
A charge-off rate is not published here. only 4 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 504 lending to Watertown borrowers
- Approvals12
- Gross approval$12,699,000
- Average approval$1,058,250
- Median approval$939,000
- Largest approval$2,097,000
- Jobs supported185
- Loans with a final outcome2
- Charged off0
- Median term240 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Watertown
Flood programme status in Watertown
- Listed NFIP communities2
- Of those, participating2
- NFIP community number360354
- Currently effective map date08/02/93
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Jefferson County, not Watertown
Jefferson County context, not Watertown figures
These are Jefferson County 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 Jefferson County2,348
- Employment at those establishments, Jefferson County28,622
- Covered employment, Jefferson County40,308
- Average annual pay, Jefferson County$55,545
- Average weekly wage, Jefferson County$1,068
- Housing units permitted, Jefferson County191
- Of those, single family, Jefferson County191
- County product, 2024, Jefferson County$8,275,565,000
- County product change over the prior year, Jefferson County3.4 percent
- Average income of an arriving household, Jefferson County$54,100
Every figure in this section is published for Jefferson County 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.
- 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, New York?
24,375, in 11,867 households. Watertown city covers 9.03 square miles of land, which is 2,699 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?
Jefferson County, 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?
$51,753. The median owner-occupied home is valued at $158,600. Median gross rent is $967 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?
26 7(a) approvals totalling $11.6 m, across 10 lenders, median approval $200,900, plus 12 504 approvals worth $12.7 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 4 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.
Is Watertown in the National Flood Insurance Program?
Yes. Watertown appears in the FEMA Community Status Book as community 360354, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
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 Jefferson County 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.