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.
See the full metro analysis: Beaver Dam, WI stress score, crash risk, and 12-month forecast →
Home Value$308,670
+6.2%
Rent$1,395/mo
AFFORDABILITYRenting $742/mo cheaper ($1,395 rent)6.50% 30yr, 20% down, county tax + WI ins. 28% per HUD.
Enter your income for Watertown.
$61,734 on $308,670
Stretch — 34.2% of income
Above 28% but manageable with cuts.
PITI$2,137
P/I34.2%
Afford$253K
Gap-$56K
P&I $1,561Tax $476Ins $100
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Wisconsin
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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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