Median Income
$62,721
17% lower than US avg
Home Value
$212,300
25% lower than US avg
Violent Crime
301/100K
21% lower than US avg
Bachelor's+
21.2%
37% lower than US avg
Median Rent
$904
22% lower than US avg
Obesity Rate
36.3%
13% higher than US avg
Unemployment
1.3%
64% lower than US avg
Poverty Rate
6.5%
48% lower than US avg
How Watertown Compares to the U.S. Average (100% = U.S. avg)
People
Population22,859
Median Age39.4 yrs
Density1,240/mi²
Male / Female51% / 49%
Largest GroupWhite 90%
Veterans8.2%
Economy
A
Median Income$62,721
Per Capita$37,225
Unemployment1.3%
Poverty6.5%
County GDP$2,111M
Commute14 min
Housing
A+
Home Value$212,300
Rent$904
Ownership62.7%
Zillow$300,678
Housing Units10,836
Rent Burden24.7%
Crime
F
Violent301/100K
Property1,651/100K
Murder4.5/100K
Assault193/100K
Burglary261/100K
Health
Obesity36.3%
Uninsured9.2%
Smoking17.1%
Depression22.7%
Heart Disease5.8%
Climate
Avg Temp43°F (6°C)
AQI35 (Good)
Rain22.7 in/yr
Sunny Days276/yr
Elevation1,751 ft (534 m)
Education
C+
Bachelor's+21.2%
High School+91.4%
Graduate+6.5%
School Score6.24
Community
2024 VoteR 69% / D 28%
Commute14 min
Broadband86.8%
EV Stations5
Libraries3
Is Watertown a Good Place to Live?
Based on current data, Watertown receives an overall livability score of 3.2 out of 5.0, earning a grade of B. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Watertown offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Watertown is $62,721, 17% below the national average of $75,149. The job market is very strong with unemployment at just 1.3%. Only 6.5% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 14 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Watertown is $212,300, 25% below the national median / offering relatively affordable homeownership. Renters pay a median of $904 per month, below the national average / a plus for affordability. A price-to-income ratio of 3.4x indicates a reasonably affordable housing market.
Safety & Crime
Violent crime in Watertown is below the national average at 301 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 1,651 per 100,000, near the national average.
Education
21.2% of residents hold a bachelor's degree, below the national average of 33.7%. 91.4% have completed high school. Local schools score 6.2/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Watertown has a cool climate with an average annual temperature of 43°F. Winters average 12°F in January while summers reach 71°F in July. With 276 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 22.7 inches, including 41.1 inches of snow. Air quality is rated Good with a median AQI of 35.
Watertown has a population of 22,859 with a density of 1,240 people per square mile, spread across 25.0 square miles. The median age is 39.4 years, 1% older than the national median of 38.9. The gender split is 49% female and 51% male. The city is predominantly White (90.3%), with 4% Hispanic, 1.2% Black. English is the primary language spoken at home by 97.2% of residents. 8.2% of the population are veterans, above the national rate of 6.0%. 11.8% of residents have a disability. 92.2% have health insurance coverage.
Population
39.4yrs
Median Age
1% above US avg
Race & Ethnicity
Watertown vs U.S. Average
Language Spoken at Home
English Only
97.2%
24% above US avg
Spanish
2.8%
79% below US avg
Social Characteristics
Watertown vs U.S. Average
The median household income in Watertown is $62,721, which is 17% below the national average of $75,149. Per capita income is $37,225. The average weekly wage is $1,003, 30% lower than the U.S. average. The unemployment rate is 1.3% (below the 3.6% US average). 6.5% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 1,431 business establishments, including 92 restaurants. The cost of living index is 88.6, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 14 minutes (shorter than the 28-minute US average). 5.4% of workers work from home (below the 15.2% national rate).
Income: Watertown vs U.S.
Income
| Median HH Income | $62,721 |
| 17% below US avg |
| Per Capita Income | $37,225 |
| Avg Weekly Wage | $1,003 |
| IRS Avg AGI | $80,938 |
| Gini Index | 0.434 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.3% |
| 64% below US avg |
| Poverty Rate | 6.5% |
| 48% below US avg |
| Establishments (County) | 1,431 |
| County GDP | $2,111M |
Business (County)
| Restaurants | 92 |
| Healthcare | 101 |
| Retail | 187 |
| Manufacturing | 82 |
Tax & Cost of Living
| Property Tax (IRS) | $5,165 |
| 48% above US avg |
| Cost of Living | 88.60 (100=avg) |
| Effective Tax Rate | 2.43% |
Commute & Transportation
| Commute Time | 13.7 min |
| Drive Alone | 84.2% |
| Public Transit | 0.6% |
| Work from Home | 5.4% |
The median home value in Watertown is $212,300, 25% below the national median of $281,900. Zillow estimates the typical home value at $300,678, higher than the Census estimate. Homes sell for 95.2% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $904 (22% below the national average of $1,163). Fair market rent ranges from $784 for a one-bedroom to $990 for a two-bedroom apartment. 62.7% of housing units are owner-occupied. There are 10,836 total housing units in the city. The median year a home was built is 1982. The average annual property tax is $5,165 (higher than the $3,500 national average). 24.7% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3.4x.
Home Values
| Census Median | $212,300 |
| 25% below US avg |
| Zillow ZHVI | $300,678 |
| Median List Price | $285,000 |
Real Estate Market (Redfin)
| Median List Price | $285,000 |
| $/Sq Ft | $126 |
| Homes Sold | 27 |
| Sale-to-List Ratio | 95.2% |
| Price Drops | 11.6% |
| Inventory | 69 |
Rental Costs
| Census Median Rent | $904 |
| 22% below US avg |
| Zillow Rent (ZORI) | $825 |
| Rent Burden | 24.7% |
HUD Fair Market Rent
| Studio | $691 |
| 1 Bedroom | $784 |
| 2 Bedrooms | $990 |
| 3 Bedrooms | $1,295 |
| 4 Bedrooms | $1,540 |
Ownership & Property
| Homeownership | 62.7% |
| Owner-Occupied | 62.7% |
| Renter-Occupied | 37.3% |
| Housing Units | 10,836 |
| Median Year Built | 1982 |
Property Tax
| Avg Tax (IRS) | $5,165 |
| 48% above US avg |
| Effective Rate | 2.43% |
In Watertown, 36.3% of adults are obese, above the national rate of 32.1%. 10.1% have diabetes. Heart disease affects 5.8% of residents. 28.6% have high blood pressure. 17.1% are current smokers (above the 14.0% national rate). 21.0% report binge drinking. 25.3% are physically inactive. 22.7% report depression. 16.6% experience frequent mental distress. 9.2% of residents lack health insurance. The primary care physician ratio is 1:1,053. The dentist ratio is 1:1,149. 84.3% of residents have access to exercise opportunities. The food environment index is 8.5 out of 10.
Health Metrics: Watertown vs U.S. Average (%)
Chronic Conditions
| Obesity | 36.3% |
| 13% above US avg |
| Diabetes | 10.1% |
| Heart Disease | 5.8% |
| High Blood Pressure | 28.6% |
| Asthma | 10.5% |
| COPD | 6.2% |
| Cancer | 7.9% |
| Stroke | 3.1% |
Behaviors & Mental Health
| Smoking | 17.1% |
| 22% above US avg |
| Binge Drinking | 21.0% |
| Physical Inactivity | 25.3% |
| Depression | 22.7% |
| Mental Distress | 16.6% |
| Physical Distress | 12.2% |
| Short Sleep | 31.6% |
Healthcare Access
| Insurance Rate | 92.2% |
| Uninsured | 9.2% |
| 7% above US avg |
| Primary Care | 1:1,053 |
| Dentists | 1:1,149 |
| Mental Health | 1:279 |
| Checkup Rate | 74.7% |
| Dental Visits | 65.8% |
| Premature Death | 6,602/100K |
Food & Exercise
| Food Environment | 8.5/10 |
| Exercise Access | 84.3% |
| Healthcare Facilities | 101 |
Watertown has a violent crime rate of 301 per 100,000 residents, 21% below the national average of 380. This breaks down to aggravated assault at 193.4 per 100,000, robbery at 13.5, rape at 90.0. The murder rate is 4.5 per 100,000 (below the national rate of 6.3). Property crime stands at 1,651 per 100,000, 16% below the U.S. average. This includes larceny/theft at 1,313, burglary at 261, vehicle theft at 76 per 100,000 residents. The county recorded 3 fatal traffic crashes. Overall, Watertown receives a safety grade of F.
Crime Rates: Watertown vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 301.4/100K |
| 21% below US avg |
| Murder | 4.5/100K |
| 29% below US avg |
| Rape | 90.0/100K |
| Robbery | 13.5/100K |
| Assault | 193.4/100K |
Property Crime
| Total Property | 1,650.7/100K |
| 16% below US avg |
| Burglary | 260.9/100K |
| Theft | 1,313.4/100K |
| Vehicle Theft | 76.5/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 3 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Watertown has a cool climate with an average annual temperature of 43°F (6°C). Winters average 12°F in January while summers reach 71°F in July. The area gets 276 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 22.7 inches (drier than the 38-inch national average). The area receives 41.1 inches of snow annually, making winter weather a significant factor for residents. Air quality is rated Good with a median AQI of 35. The city sits at an elevation of 1,751 feet.
Temperature
12°F Jan (-11°C)
71°F Jul (22°C)
| Annual Average | 43.0°F |
| 20% below US avg |
| January Average | 12°F (-11°C) |
| July Average | 71°F (22°C) |
| Sunny Days | 276 days/yr |
Geography
| Elevation | 1,751 ft (534 m) |
| Area | 25.0 sq mi (64.9 km²) |
| Population Density | 1,240/sq mi |
| Coordinates | 44.9092°N, 97.1557°W |
| Timezone | America/Chicago |
| County | Codington County County |
| Nearest Airport | Watertown Regional (ATY) 0 miles away |
Precipitation & Snow
Annual Rainfall
22.7"
40% below US avg
Wettest Month (Jun)
3.86"
Air Quality
| AQI Median | 35.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0398 ppm |
| PM2.5 (Fine Particles) | 9.6 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 61.8 / 100 |
| Social Vulnerability | 26.2 / 100 |
| Community Resilience | 74.8 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Earthquake |
Very Low |
| Wildfire |
Relatively Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively High |
| Lightning |
Very Low |
| Ice Storm |
Relatively High |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Moderate |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
3 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.1. Most recent: M3.1 on Jul 26, 2002.
| Jun 5, 1993 |
11 km N of Johnson, Minnesota |
M4.1 |
109 km |
| Oct 20, 1995 |
8 km SSE of New Effington, South Dakota |
M3.7 |
100 km |
| Jul 26, 2002 |
0 km WSW of Huron, South Dakota |
M3.1 |
104 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
413 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 2 fatalities, 50 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 24, 2003 |
EF4 |
85 km |
0 |
| Jul 7, 1955 |
EF4 |
89 km |
1 |
| May 30, 2022 |
EF3 |
29 km |
0 |
| Jun 24, 2003 |
EF3 |
92 km |
0 |
| May 17, 1996 |
EF3 |
54 km |
0 |
| Jun 16, 1992 |
EF3 |
97 km |
0 |
| Jun 16, 1992 |
EF3 |
62 km |
0 |
| May 12, 1984 |
EF3 |
45 km |
0 |
| Jul 18, 1983 |
EF3 |
2 km |
0 |
| Jun 15, 1970 |
EF3 |
86 km |
0 |
| Jun 25, 1969 |
EF3 |
94 km |
0 |
| May 30, 2022 |
EF2 |
36 km |
0 |
| May 12, 2022 |
EF2 |
57 km |
0 |
| May 12, 2022 |
EF2 |
24 km |
0 |
| May 12, 2022 |
EF2 |
45 km |
0 |
| May 5, 2007 |
EF2 |
100 km |
0 |
| Sep 23, 2004 |
EF2 |
94 km |
0 |
| Jun 24, 2003 |
EF2 |
67 km |
0 |
| Jun 24, 2003 |
EF2 |
79 km |
0 |
| Jul 17, 1996 |
EF2 |
84 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: LOUISBURGRADE (6,487 ac, 2004).
| Year |
Name |
Acres |
Distance |
| 2004 |
LOUISBURGRADE |
6,487 |
80 km |
| 2003 |
CHIPPEWA PRAIRIE |
2,067 |
94 km |
| 2004 |
FISH FIRE |
1,799 |
75 km |
| 2005 |
GRAND MEWS |
1,245 |
73 km |
| 2000 |
PHEASANT OPENER |
1,206 |
73 km |
| 1998 |
LEE |
1,137 |
71 km |
| 1995 |
UNNAMED |
1,115 |
72 km |
| 2003 |
ANDERSON |
1,082 |
74 km |
| 1998 |
ANDREASEN |
1,001 |
75 km |
| 1992 |
SPRING LK |
1,001 |
58 km |
| 1990 |
ANDERSON |
988 |
73 km |
| 2007 |
ANDERSON |
797 |
74 km |
| 2006 |
ANDERSON |
764 |
73 km |
| 1986 |
ANDERSON |
746 |
74 km |
| 2000 |
FISH |
720 |
75 km |
| 2007 |
LEE |
689 |
71 km |
| 2006 |
MOSQUITO RANCH |
656 |
86 km |
| 2003 |
LEE |
560 |
70 km |
| 1994 |
ARTICHOKE |
556 |
95 km |
| 2002 |
ARTICHOKE |
548 |
95 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
12°F (-11°C) |
0.6 in |
Coldest |
| February |
17°F (-8°C) |
0.5 in |
|
| March |
29°F (-1°C) |
1.3 in |
|
| April |
44°F (7°C) |
2.0 in |
|
| May |
57°F (14°C) |
2.8 in |
|
| June |
67°F (19°C) |
3.9 in |
Wettest |
| July |
71°F (22°C) |
3.0 in |
Warmest |
| August |
69°F (21°C) |
2.8 in |
|
| September |
59°F (15°C) |
2.1 in |
|
| October |
46°F (8°C) |
1.9 in |
|
| November |
29°F (-2°C) |
0.9 in |
|
| December |
16°F (-9°C) |
0.4 in |
Driest |
Watertown has a seasonal temperature swing of 59°F / from 12°F in January to 71°F in July. Total annual precipitation is 22.1 inches, with June being the wettest month (3.9") and December the driest (0.4").
Average costs for common services in Watertown. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$222 ($133–$354) |
| Specialist Visit |
$310 ($177–$487) |
| Urgent Care Visit |
$177 ($89–$310) |
| Emergency Room Visit |
$1,949 ($709–$4,430) |
| Dental Cleaning |
$115 ($66–$177) |
| Dental Filling |
$222 ($133–$354) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$40 ($22–$66) |
| Oil Change (Synthetic) |
$66 ($44–$106) |
| Brake Pad Replacement |
$266 ($133–$443) |
| Tire Rotation |
$35 ($18–$66) |
| New Tires (Set of 4) |
$532 ($354–$886) |
| Battery Replacement |
$177 ($89–$310) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$89 ($53–$133) |
| Electrician (Per Hour) |
$80 ($44–$124) |
| HVAC Repair |
$354 ($133–$709) |
| HVAC System Install |
$6,202 ($3,544–$10,632) |
| Roof Repair |
$886 ($354–$1,772) |
| Roof Replacement |
$7,974 ($4,873–$13,290) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,329 ($443–$3,101) |
| Divorce (Contested) |
$13,290 ($4,430–$26,580) |
| DUI Defense |
$4,430 ($1,772–$8,860) |
| Bankruptcy (Chapter 7) |
$1,329 ($709–$2,658) |
| Will Preparation |
$443 ($177–$886) |
| Trust Preparation |
$2,215 ($886–$4,430) |
View all 12 services
Personal Care
| Men's Haircut |
$22 ($13–$40) |
| Women's Haircut |
$49 ($27–$89) |
| Hair Coloring (Full) |
$133 ($66–$222) |
| Manicure |
$22 ($13–$40) |
| Pedicure |
$35 ($22–$58) |
| Massage (1 Hour) |
$71 ($44–$115) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.63 ($2.66–$4.87) |
| Dozen Eggs (per dozen) |
$3.10 ($2.22–$4.43) |
| Loaf of Bread |
$3.37 ($2.22–$4.87) |
| Chicken Breast (per lb) |
$3.99 ($2.66–$5.76) |
| Ground Beef (per lb) |
$4.87 ($3.54–$6.65) |
| Rice (per lb) |
$0.89 ($0.53–$1.59) |
View all 20 services
Utilities
| Electricity (Monthly) |
$124 ($71–$222) |
| Natural Gas (Monthly) |
$62 ($27–$133) |
| Water/Sewer (Monthly) |
$62 ($35–$106) |
| Internet (Monthly) |
$62 ($35–$89) |
| Cell Phone Plan (Monthly) |
$58 ($27–$89) |
| Cable TV (Monthly) |
$75 ($44–$133) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$177 ($66–$443) |
| Car Insurance (Annual) |
$1,772 ($1,063–$3,101) |
| Bus Pass (Monthly) |
$62 ($27–$115) |
| Taxi/Uber (5-Mile Ride) |
$13 ($7.09–$22) |
| Car Registration (Annual) |
$89 ($27–$222) |
| Driver's License Renewal |
$27 ($13–$66) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,063 ($532–$2,215) |
| Daycare (Toddler, Monthly) |
$886 ($443–$1,772) |
| After-School Care (Monthly) |
$354 ($177–$620) |
| Tutoring (Per Hour) |
$44 ($22–$89) |
| SAT/ACT Prep Course |
$886 ($354–$2,215) |
| Private School (K-12, Annual) |
$11,075 ($4,430–$26,580) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$53 ($27–$89) |
| Dog Vaccination (Annual) |
$89 ($44–$177) |
| Dog Grooming |
$53 ($27–$89) |
| Pet Boarding (Per Night) |
$35 ($18–$66) |
| Dog Spay/Neuter |
$266 ($133–$443) |
| Cat Spay/Neuter |
$177 ($89–$354) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $650 |
| Toddler | $650 |
| Preschool | $591 |
| Family Childcare (monthly) |
| Infant | $443 |
| Toddler | $443 |
| Preschool | $433 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Watertown
What is the population of Watertown?
Watertown has a population of 22,859 residents and is located in South Dakota. The population density is 1,240 people per square mile, spread across 25.0 square miles. The median age of residents is 39.4 years. The population is 49% female and 51% male.
Is Watertown expensive to live in?
Watertown is more affordable than the national average, with a cost of living index of 88.6 / below the baseline of 100. The median household income is $62,721, 17% below the national average of $75,149. The median home value is $212,300 (25% below the U.S. median). Renters pay a median of $904 per month, below the national average of $1,163. The home price-to-income ratio is 3.4x, indicating housing is reasonably affordable relative to local income levels.
Is Watertown safe?
Watertown is safer than the national average, with a violent crime rate of 301 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 1,651 per 100,000 (below the national average). Overall, Watertown receives a safety grade of F based on combined crime data.
What is the weather like in Watertown?
Watertown has a cool climate with an average annual temperature of 43°F (6°C). Winter temperatures average 12°F in January, while summers reach an average of 71°F in July. The area receives 276 sunny days per year, well above the national average of 205. Annual rainfall totals 22.7 inches, with 41.1 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 35.
How is the job market in Watertown?
The job market in Watertown is very strong, with unemployment at just 1.3% / well below the national rate of 3.6%. The average weekly wage is $1,003. There are 1,431 business establishments in the area, including 92 restaurants and food service locations. The average commute time is 14 minutes, and 5.4% of workers work from home.
How much does housing cost in Watertown?
The median home value in Watertown is $212,300. Zillow estimates the typical home value at $300,678. For renters, the median monthly rent is $904. Fair market rent is $784 for a 1-bedroom and $990 for a 2-bedroom apartment. The homeownership rate is 62.7%. The average annual property tax is $5,165.
How are the schools in Watertown?
Schools in Watertown score 6.2 out of 10 on standardized testing, near the national average. 21.2% of adults in Watertown hold a bachelor's degree or higher, below the national average of 33.7%. 91.4% have completed high school. 6.5% hold a graduate or professional degree.
How healthy is Watertown?
The obesity rate in Watertown is 36.3% (above the national rate of 32.1%). 17.1% of adults are smokers. 25.3% are physically inactive. 22.7% of residents report depression. 9.2% lack health insurance. 84.3% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,053.
What is transportation like in Watertown?
The average commute in Watertown is 14 minutes, shorter than the national average of 28 minutes. 84.2% of workers drive alone to work, and 5.4% work from home.
What are the demographics of Watertown?
The racial and ethnic makeup of Watertown is 90.3% White, 1.2% Black or African American, 4% Hispanic or Latino. 97.2% of residents speak only English at home. 8.2% of the population are military veterans. 11.8% of residents have a disability. 92.2% have health insurance coverage.