HomeTennesseeWilson CountyWatertown
Watertown, Tennessee: commercial real estate data.
Watertown is a Census city of 1,463 people across 1.44 square miles of land, in Wilson County. Median household income is $68,148, 74.1 percent of occupied homes are owned, and the SBA record carries 1 7(a) approvals to borrowers here worth $50,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Watertown
What Watertown is
- Census place typecity
- Land area1.44 sq mi
- Water area0 sq mi
- Population per square mile of land1,015 plus or minus 274
- County holding the largest share of its areaWilson 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
- Population1,463 plus or minus 395
- Median age45.1 plus or minus 9.1
- Population under 18303 plus or minus 112
- Share under 1820.7 percent plus or minus 5.3
- Population 65 and over230 plus or minus 83
- Share 65 and over15.7 percent plus or minus 3.8
- Households602 plus or minus 149
- Family households399 plus or minus 116
- Share of households that are families66.3 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$68,148
- Per capita income$34,365
- Civilian labor force757 plus or minus 219
- Employed715 plus or minus 197
- Unemployed42 plus or minus 45
- Unemployment rate5.5 percent plus or minus 5.7
- Adults 25 and over1,092 plus or minus 297
- Adults 25 and over with a high school diploma or higher90.5 percent plus or minus 31.7
- Adults 25 and over with a bachelor degree or higher16.0 percent plus or minus 4.9
- Adults 25 and over with a graduate degree4.2 percent plus or minus 3.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Watertown
Housing in Watertown
- Housing units642 plus or minus 157
- Occupied units602 plus or minus 149
- Vacant units40 plus or minus 36
- Vacancy rate6.2 percent plus or minus 5.4
- Owner occupied446 plus or minus 114
- Renter occupied156 plus or minus 72
- Ownership rate74.1 percent
- Median owner-occupied home value$250,000 plus or minus $53,431
- Median gross rent, monthly$1,036 plus or minus $238
- Annual rent as a share of median income18.2 percent plus or minus 5.3
- Single family units549 plus or minus 143
- Share single family85.5 percent
- Units in buildings of two or more43 plus or minus 36
- Share in buildings of two or more6.7 percent plus or minus 5.3
- Mobile homes50 plus or minus 33
- Median year structure built1971
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 commute629 plus or minus 179
- Commuting under 15 minutes89 plus or minus 49
- Share commuting under 15 minutes14.1 percent plus or minus 6.7
- Commuting 30 minutes or more331 plus or minus 91
- Share commuting 30 minutes or more52.6 percent plus or minus 20.8
- Drove alone82.1 percent
- Carpooled6.3 percent plus or minus 6.6
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home10.7 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))
- Approvals1
- Gross approval$50,000
- Average approval$50,000
- Median approval$50,000
- Largest approval$50,000
- Jobs supported5
- Jobs per approval5.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
Counted by borrower city: approvals to borrowers whose address is in Watertown, in any county, FY2020 to FY2026. Only 0 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
Flood risk in Watertown
- NFIP communityCity of Watertown
- NFIP community number470380
- Participating in the NFIPYes
- Community Rating System classClass 8
- Currently effective map date05/18/09(M)
The City of Watertown participates in the National Flood Insurance Program as community 470380 and carries Community Rating System class 8, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Wilson County, not Watertown
Wilson County context, not Watertown figures
- Establishments in Wilson County3,345
- Covered employment, Wilson County65,504
- Average annual pay, Wilson County$57,691
- Housing units permitted, Wilson County1,927
Every figure in this section is published for Wilson County as a whole and is not a measurement of Watertown.
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, Tennessee?
1,463, in 602 households. Watertown city covers 1.44 square miles of land, which is 1,015 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?
Wilson 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?
$68,148. The median owner-occupied home is valued at $250,000. Median gross rent is $1,036 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?
1 7(a) approvals totaling $50,000 since FY2020, across 1 lenders, median approval $50,000. 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 0 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 470380, carrying Community Rating System class 8, which is a premium discount for exceeding the program minimum. 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 Wilson 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.
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