HomeWisconsinJefferson CountyWatertown
Watertown, Wisconsin: commercial real estate data.
Watertown is a Census city of 22,774 people across 12.06 square miles of land, lying across Jefferson County and Dodge County. Median household income is $70,107, 62.0 percent of occupied homes are owned, and the SBA record carries 23 7(a) approvals to borrowers here worth $11.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Watertown
What Watertown is
- Census place typecity
- Land area12.06 sq mi
- Water area0.4 sq mi
- Population per square mile of land1,888
- County holding the largest share of its areaJefferson County, 65.8 percent
- Counties this place lies inJefferson County 65.8 percent, Dodge County 34.2 percent
Watertown crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
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
- Population22,774
- Median age40.6
- Population under 185,021
- Share under 1822.0 percent
- Population 65 and over4,469
- Share 65 and over19.6 percent
- Households9,182
- Family households5,356
- Share of households that are families58.3 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$70,107
- Per capita income$32,897
- Civilian labor force12,049
- Employed11,414
- Unemployed635 plus or minus 187
- Unemployment rate5.3 percent plus or minus 1.5
- Adults 25 and over15,430
- Adults 25 and over with a high school diploma or higher92.0 percent
- Adults 25 and over with a bachelor degree or higher18.2 percent
- Adults 25 and over with a graduate degree4.6 percent plus or minus 1.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Watertown
Housing in Watertown
- Housing units9,478
- Occupied units9,182
- Vacant units296 plus or minus 176
- Vacancy rate3.1 percent plus or minus 1.9
- Owner occupied5,689
- Renter occupied3,493
- Ownership rate62.0 percent
- Median owner-occupied home value$222,100
- Median gross rent, monthly$1,052
- Annual rent as a share of median income18.0 percent
- Single family units6,508
- Share single family68.7 percent
- Units in buildings of two or more2,970
- Share in buildings of two or more31.3 percent
- Mobile homes0
- Median year structure built1969
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 commute10,315
- Commuting under 15 minutes4,128
- Share commuting under 15 minutes40.0 percent
- Commuting 30 minutes or more3,744
- Share commuting 30 minutes or more36.3 percent
- Drove alone78.8 percent
- Carpooled8.7 percent plus or minus 2.0
- Public transport0.0 percent
- Walked3.1 percent plus or minus 1.0
- Worked from home6.9 percent plus or minus 1.6
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$10,973,000
- Average approval$477,087
- Median approval$295,000
- Ninetieth percentile approval$1,180,080
- Largest approval$2,067,200
- Jobs supported127
- Jobs per approval5.5
- Loans with a final outcome6
- Paid in full6
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more30.4 percent
- Share to franchises21.7 percent
- Distinct lenders13
- Distinct industries by NAICS18
Counted by borrower city: approvals to borrowers whose address is in Watertown, in any county, FY2020 to FY2026. Only 6 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)
- Approvals4
- Gross approval$2,128,000
- Average approval$532,000
- Median approval$513,500
- Largest approval$773,000
- Jobs supported3
- Loans with a final outcome1
- Charged off0
- Median term270 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Watertown, in any county, FY2010 to FY2026. Only 1 loan has 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 number550107
- Participating in the NFIPYes
- Community Rating System classClass 7
- Currently effective map date02/04/15
The City of Watertown participates in the National Flood Insurance Program as community 550107 and carries Community Rating System class 7, a flood insurance premium discount for policies written there.
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 County2,058
- Covered employment, Jefferson County33,615
- Average annual pay, Jefferson County$54,167
- Housing units permitted, Jefferson County146
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, Wisconsin?
22,774, in 9,182 households. Watertown city covers 12.06 square miles of land, which is 1,888 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?
Watertown lies in more than one. By area it is 65.8 percent in Jefferson County, 34.2 percent in Dodge County. This page sits under Jefferson County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in Watertown?
$70,107. The median owner-occupied home is valued at $222,100. Median gross rent is $1,052 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 totaling $11.0 m since FY2020, across 13 lenders, median approval $295,000, plus 4 504 approvals worth $2.1 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 6 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 550107, carrying Community Rating System class 7, 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 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.