Median Income
$41,303
household / year
Median Home Value
$115,600
owner-occupied
Median Rent
$823
gross / month
Cost of Living
95
national avg = 100

Is Watertown, FL a Good Place to Live?

Watertown is a small town of 2,657 in Florida, with a median household income of $41,303 and a 19.6% unemployment rate. Its cost of living index is 95 (US average = 100), which is 5% below the national average.

Strengths: Watertown stands out for an affordable cost of living, below-average home prices, short average commutes.

Trade-offs: Potential downsides include an elevated unemployment rate. Whether Watertown is right for you depends on your priorities — the full breakdown is below.

All Watertown city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.

Cost of Living

Index: 94.7

Watertown's overall cost of living index is 94.7, where 100 represents the US national average. Living in Watertown costs roughly 5% less than the average American city.

Metric Watertown, FL National Avg
Median Home Value $115,600 $244,900
Median Monthly Rent $823 $1,163
Homeownership Rate 51.2% 65.9%
Median Household Income $41,303 $74,755

Crime & Safety

Crime data for Watertown is not currently available from the FBI's Uniform Crime Reporting program. Not all local agencies report to the UCR each year.

Schools & Education

Metric Watertown, FL National Avg
School District N/A —
Elementary Schools N/A —
Middle Schools N/A —
High Schools N/A —
Student/Teacher Ratio N/A 16:1
Bachelor's Degree or Higher 7.6% 35.4%
High School Diploma or Higher 87.4% 91.1%

Weather & Climate

Watertown sees average highs of 63.2°F in January and 89.7°F in July, with 54.0 inches of annual precipitation .

MetricWatertown, FL
Average High — January63.2°F
Average High — July89.7°F
Annual Precipitation54.0"
Annual SnowfallTrace / None

Demographics

MetricWatertown, FLNational Avg
Population2,657—
Median Age49.638.9
Unemployment Rate19.6%3.7%
Avg Commute Time14.2 min26 min
White (non-Hispanic)59.0%59.3%
Black or African American30.5%13.6%
Hispanic or Latino5.8%18.9%
Asian0.1%6.3%
Under 1814.5%22.2%
65 and over23.9%16.8%

Nearby Cities

Lake City, FL 2 mi Five Points, FL 3 mi White Springs, FL 14 mi Lake Butler, FL 19 mi Fort White, FL 19 mi

Watertown vs Other Cities

Watertown, FL vs Lake City, FL Watertown, FL vs Five Points, FL Watertown, FL vs White Springs, FL Watertown, FL vs Lake Butler, FL Watertown, FL vs Fort White, FL

Frequently Asked Questions

Watertown's cost of living index is 95, where 100 is the national average. That makes Watertown roughly 5% less expensive than a typical US city — a meaningful affordability advantage. The median home price is $115,600 and median rent is $823/month.
Crime data for Watertown is not available in the current FBI UCR reporting year. Not all jurisdictions submit data annually.
School district information is sourced from NCES Common Core of Data.
Watertown, FL has a population of 2,657, a median household income of $41,303, and an unemployment rate of 19.6%. It offers below-average costs of living, which stretches take-home pay further than in most American cities. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.
Watertown averages 63.2°F in January and 89.7°F in July. Annual rainfall is 54.0 inches . Based on NOAA 30-year climate normals (1991–2020).
The population of Watertown, Florida is 2,657 with a median age of 49.6. Source: US Census ACS 5-Year Estimates.
Key numbers for living in Watertown: cost of living index 95 (100 = US average), median home $115,600, median household income $41,303. Whether these are benefits or drawbacks depends on where you're coming from — compare Watertown side by side with your current city to see the trade-offs.