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Watertown, Wisconsin Retirement Guide
established retirement community
55
Retirement Score
Watertown, Wisconsin at a Glance
- Median Home Price
- $194,500
- State Income Tax
- State income tax; Social Security fully exempt; pension income generally taxable.
- Avg January Low
- 12.5°F
- Cost of Living Index
- 92.4 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 55 / 100
Things to Consider
- higher state tax burden
Retirement Data
Affordability
Cost of Living Index
92.4 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$194,500High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$1,045High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
30 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security fully exempt; pension income generally taxable.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
51.2 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
59.8 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
51.2 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
82.6°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
12.5°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
33.4"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
267 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
100 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
44.1 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
0 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
22,978High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
39.3High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
18.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$67,189High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
59.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
8.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
19.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
8.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
90.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
0.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
11.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
0.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Watertown using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$421
Stress-case monthly carrying cost
$473
Median home price used: $194,500
Median rent reference: $1,045 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.