HomeNew YorkJefferson CountyWatertown
Watertown, New York: commercial real estate data.
Watertown 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
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 loans in Watertown (7(a))
- Approvals26
- Gross approval$11,641,300
- Average approval$447,742
- Median approval$200,450
- Ninetieth percentile approval$1,070,050
- 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
Counted by borrower city: approvals to borrowers whose address is in Watertown, in any county, FY2020 to FY2026. Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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)
- Approvals12
- Gross approval$12,699,000
- Average approval$1,058,250
- Median approval$932,000
- Largest approval$2,097,000
- Jobs supported185
- Loans with a final outcome2
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Watertown, in any county, FY2010 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Watertown
Flood risk in Watertown
- NFIP communityCity of Watertown
- NFIP community number360354
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date08/02/93
The City of Watertown participates in the National Flood Insurance Program as community 360354 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Jefferson County, not Watertown
Jefferson County context, not Watertown figures
- Establishments in Jefferson County2,348
- Covered employment, Jefferson County40,308
- Average annual pay, Jefferson County$55,545
- Housing units permitted, Jefferson County191
Every figure in this section is published for Jefferson County as a whole and is not a measurement of Watertown.
All Jefferson County figures →
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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 totaling $11.6 m since FY2020, across 10 lenders, median approval $200,450, plus 12 504 approvals worth $12.7 m since FY2010. 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 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Watertown in the National Flood Insurance Program?
Yes. Watertown appears in the FEMA Community Status Book as Watertown, city of, 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 labeled 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?
No. Nothing on this page presents parcel level zoning.