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Cost of living, pay and housing

30.19° N · 82.60° W · GEOID 1275300

Watertown

Columbia County, Florida · part of the Lake City, FL metro

Limited data population under 5,000

FloridaWatertown, FLWatertownWatertown

The short answer

Watertown is home to 3,068 people. Median household income is $41,466 a year and median rent is $851 a month, 24.6% of income (a ratio of two medians, not any one household's burden). Rent pressure is lighter than in most places. The median home is valued at $114,100, about 2.8x annual median household income.

Median gross rent
$851
38% below the median place
Median household income
$41,466
48% below the median place
Median home value
$114,100
64% below the median place
Unemployment
22.0%
351% above the median place

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

What stands out about Watertown

  • Unemployment averaged 22.0% over the survey period, higher than in 99% of the 1,242 places under 10,000 people we track. It is the highest of 364 Florida places.
  • Only 0% of workers mostly work from home, fewer than in 99% of places its size. It is the lowest of 446 Florida places.
  • 42.4% of residents live below the poverty line, more than in 99% of places its size. It is the 2nd-highest of 455 Florida places.
  • 8% of adults hold a bachelor's degree or higher, a smaller share than in 97% of places its size.
  • The median household earns $41,466 a year, less than in 95% of places its size.
01

Moving to Watertown

Columbia County gains about 12.8 residents per 1,000 a year to moves between counties.

Moved in3,782
Moved out3,132
Net+650

Where people come from and where they go, top counties

Duval County, FL164204−40
Hamilton County, FL97110−13
Union County, FL10692+14

Within Florida, other states or abroad

Arrivals
Leavers
Within FloridaOther states

Income per tax return

Arrivals$54K
Leavers$47K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of Columbia County; flows under 20 returns are not published.

Who moves here
9.8% of residents arrived from another county in the past year, 2.1% from another state. County figure.
Who arrives and who leaves
Households moving into Columbia County report $54,300 a year in income on average; those leaving, $46,600, so newcomers earn more than leavers.
Income you would need
$34,000 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $851 a month; owners with a mortgage pay $958 a month including taxes and insurance, on a median home of $114,100.
Getting to work
18 minutes each way on average; 0.0% work from home.
If it is close but not quite
Rockwood, TN matches it on character. Compare the two
Income of households moving out6
$46,588
34% below the median place
Net movers per 1,000 people6
12.8
above the median place (median -0.6)
Moved here in the past year1
9.8%
71% above the median place
All 5 moving measures
MeasureWatertownAmong 6,645 placesVs median
Moved here in the past year1County figure9.8%71% above
Moved from another state1County figure2.1%8% above
Net movers per 1,000 people6County figure12.8above (median -0.6)
Income of households moving in6County figure$54,30223% below
Income of households moving out6County figure$46,58834% below
02

What it costs to live here

Owner costs with a mortgage is $958, 49% below the median place.

Watertown24.6%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$34,040
a year, at the 30% line
Rent to income
24.6%
21% above the median place
Home price to income
2.8x
28% below the median place

Could you afford it?

The median rent would take
25%
comfortably under the 30% line
Left after rent, in US prices
$30,800
a year, prices not adjusted
Vs the typical household here
Same
as the median household

Uses the median rent in Watertown, $851 a month. It runs in your browser and stores nothing.

Like Watertown, but easier on the budget

Close matches on income, rent, home value, education and age, where rent takes a clearly smaller share of income.

PlaceRent to incomeMore left a year
Rockwood, TN19.4% vs 24.6%n/aCompare
Turtle Creek, PA17.8% vs 24.6%n/aCompare
Opp, AL20.9% vs 24.6%n/aCompare

Moving from somewhere else? Work out the salary you would need in Watertown.

Sponsored · exampleMoving to Watertown? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Owner costs with a mortgage1
$958
49% below the median place
Median home value1
$114,100
64% below the median place
Property tax paid (median)1
$921
72% below the median place
All 15 cost and housing measures
MeasureWatertownAmong 6,645 placesVs median
Median gross rent1$85138% below
Rent to income124.6%21% above
Property tax rate10.8%11% below
Home price to income12.8x28% below
Fair market rent, 2 bedrooms2County figure$1,18727% below
HUD area median income3County figure$83,00023% below
Property tax paid (median)1$92172% below
Median home value1$114,10064% below
Home prices, 1-year change4County figure5.9%85% above
Home prices, 5-year change4County figure64.6%25% above
Homeownership154.6%18% below
Renters paying 30%+155.6%10% above
Owner costs with a mortgage1$95849% below
Vacant homes110.0%41% above
Median year built119730% below
03

Work and pay

Works from home is 0.0%, below the median place (median 12.4%).

Works from home1
0.0%
below the median place (median 12.4%)
Commutes by transit1
0.0%
below the median place (median 0.8%)
Unemployment1
22.0%
351% above the median place

More on work and pay, against the typical place

Poverty rate42.4% 3.9×
Income per person$19,894 −50%
Median household income$41,466 −48%
Mean commute18 min −27%
All 10 work and pay measures
MeasureWatertownAmong 6,645 placesVs median
Median household income1$41,46648% below
Income per person1$19,89450% below
Unemployment122.0%351% above
Average annual pay5County figure$53,22419% below
Pay growth, 1 year5County figure3.8%3% above
Jobs5County figure24,84784% below
Poverty rate142.4%293% above
Mean commute118 min27% below
Works from home10.0%below (median 12.4%)
Commutes by transit10.0%below (median 0.8%)
04

Who lives here

Bachelor's or higher is 8.3%, 74% below the median place.

Bachelor's or higher1
8.3%
74% below the median place
Median age1
47.1
21% above the median place
No health insurance1
14.8%
131% above the median place

More about who lives here, against the typical place

Homes with broadband86.2% −7%
High school or higher83.9% −9%
Household size2.2 −12%
All 8 people measures
MeasureWatertownAmong 6,645 placesVs median
Population13,0686646th largest
Median age147.121% above
Bachelor's or higher18.3%74% below
High school or higher183.9%9% below
Household size12.212% below
Born abroad1County figure4.7%46% below
No health insurance114.8%131% above
Homes with broadband186.2%7% below
05

Life in Watertown

12 sites are on the National Register of Historic Places.

Out the door, against the typical place

Parks per 10k residents0.0 −100%
Playgrounds per 10k0.0 −100%
Grocery stores per 10k3.3 +54%
Restaurants, cafes and bars per 10k0.0 −100%
Libraries per 10k0.0 −100%
Named paths and bike trails0 km −100%
Bus and rail stops per sq mi0.0 −100%

Mapped by volunteers in OpenStreetMap inside the city limits (Census boundaries), so coverage is fuller in some places than others. Map data © OpenStreetMap contributors, ODbL.

Businesses per 10,000 residents (county figures)

Restaurants and bars16.0 −23%
Shops36.5 +20%
Arts, recreation and fitness2.5 −39%
Doctors' offices and clinics20.8 +3%
Child care centers3.1 +35%

Counts businesses with paid staff, so small owner-run shops are not included.

Arts, recreation and fitness per 10k7
2.5
39% below the median place
Restaurants and bars per 10k7
16.0
23% below the median place
Shops per 10k7
36.5
20% above the median place
All 16 schools and local life measures
MeasureWatertownAmong 6,645 placesVs median
Public schools10County figure18100% above
Public school students10County figure9,50894% above
Students per teacher10County figure18.118% above
Restaurants and bars per 10k7County figure16.023% below
Shops per 10k7County figure36.520% above
Arts, recreation and fitness per 10k7County figure2.539% below
Doctors' offices and clinics per 10k7County figure20.83% above
Child care centers per 10k7County figure3.135% above
Parks per 10k80.0below (median 10.2)
Playgrounds per 10k80.0below (median 9.4)
Grocery stores per 10k83.354% above
Restaurants, cafes and bars per 10k80.0below (median 11.2)
Libraries per 10k80.0below (median 0.9)
Named paths and bike trails80.0below (median 2.0)
Transit stops per sq mi80.0below (median 0.2)
National Register listings9County figure128% below
06

Safety, weather and risk

Average temperature is 69°F, 25% above the median place.

No crime figure yet. Either the city police department did not report to the FBI for the latest year, or our monthly fetch has not reached Watertown. Larger places are fetched first.

Average temperature11
69°F
25% above the median place
January average low11
41°F
62% above the median place
July average high11
92°F
6% above the median place
All 11 weather and risk measures
MeasureWatertownAmong 6,645 placesVs median
July average high11County figure92°F6% above
January average low11County figure41°F62% above
Average temperature11County figure69°F25% above
Annual precipitation11County figure52.3 in19% above
Natural hazard risk12County figure69.725% below
Hurricane risk12County figure90.528% above
Tornado risk12County figure66.818% below
Wildfire risk12County figure88.144% above
Heat wave risk12County figure76.215% below
Median air quality index13County figure4812% above
Good air days13County figure57.3%16% below
08

Watertown in 2030: where the trends point

If recent trends hold, the median rent will take about 25% of the median income in 2030, about the same as 25% now.

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$851/mo (2024)$1,080/mo$880 to $1,310/mo+4.0%
Median household income$41,466 (2024)$52,500$44,500 to $62,500+4.1%
Median home value$114,100 (2024)$154,000$112,000 to $212,000+5.2%

The median home would be worth 2.9 years of the median income in 2030, against 2.8 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like Watertown

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
Rockwood, TN$774$47,791Compare
Turtle Creek, PA$682$45,997Compare
New Kingman-Butler, AZ$1,018$40,949Compare
Opp, AL$720$41,347Compare
Opp, ALNew Kingman-Butler, AZTurtle Creek, PARockwood, TNWatertown, FLWatertownRockwoodTurtle CreekNew Kingman-ButlerOppWatertownRockwoodTurtle CreekNew Kingman-ButlerOpp

Common questions

Is Watertown a good place to live?

It depends on what you need, so here is what the numbers say. Unemployment averaged 22.0% over the survey period, higher than in 99% of the 1,242 places under 10,000 people we track. It is the highest of 364 Florida places. Only 0% of workers mostly work from home, fewer than in 99% of places its size. It is the lowest of 446 Florida places. On cost, space and class size it scores 10 out of 100 for families. See how it ranks with your own weights.

Is Watertown expensive to live in?

The median rent takes 24.6% of the median household income, against 20.4% in the typical place we track. Housing is a heavier load here than usual. The median home is valued at $114,100.

What salary do you need to live in Watertown?

To rent the median home without spending more than 30% of income on rent, a household needs about $34,040 a year. Work it out from your current city.

What places are similar to Watertown?

On income, rent, home value, education and age, the closest matches are Rockwood, TN, Turtle Creek, PA, New Kingman-Butler, AZ and Opp, AL.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  3. Income Limits · US Department of Housing and Urban Development · Fiscal year 2026
  4. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  5. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  6. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  7. County Business Patterns · US Census Bureau · 2023 data
  8. OpenStreetMap · © OpenStreetMap contributors, available under the Open Database License (ODbL) · Map data as of 2026-11
  9. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  10. Common Core of Data · National Center for Education Statistics · 2024 release
  11. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  12. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  13. Air Quality System, annual AQI by county · US Environmental Protection Agency · 2025 dataAirData download files

Derived by Citytistics from the tables above: rent to income (B25064, B19013); property tax rate (B25103, B25077); home price to income (B25077, B19013).

What stands out compares Watertown with places of a similar size, using only figures measured for Watertown itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/watertown-florida

Citytistics. “Watertown, Florida.” Data as of 2026-11-14. https://www.citytistics.com/city/watertown-florida/

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.