The median home in Watertown, Wisconsin is valued at $308,670, up 6.2% year over year. Typical monthly rent is $1,395, producing a price-to-rent ratio of 18.4x — near the national average of 18x. Watertown is part of the Beaver Dam, WI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$308,670

+6.2%

Rent$1,395/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Watertown.

Income (annual)

Down Payment

$61,734 on $308,670

Example: $75,000 household income. Change it above to see your own.

Stretch34.2% of income

Above 28% but manageable with cuts.

PITI$2,137

P/I34.2%

Afford$253K

Gap-$56K

P&I $1,561Tax $476Ins $100

Renting $742/mo cheaper ($1,395 rent)6.50% 30yr, 20% down, county tax + WI ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Wisconsin

Compare Watertown with other housing markets across Wisconsin.

Oconomowoc Lake$1.99M Shorewood Hills$1.13M Maple Bluff$967K River Hills$895K Linn$733K Summit$730K Delafield$722K Nashotah$691K

Full Beaver Dam, WI analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Beaver Dam, WI metro.

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Watertown, WI