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Watertown city, WI

ZIP 53098 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 53098

Median Home Value
$239,700
Median Rent
$897
Affordability Snapshot
$66,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,540/mo PITI).

15%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

22.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 53098 in Watertown city, WI, a household would need roughly $66,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,540. That is roughly in line with the local median household income ($73,147). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
67.8%+4% vs US avg
x
Vacancy Rate
4.9%-53% vs US avg
x
Broadband Access
87.4%+1% vs US avg
x
4+ Bedrooms
4.1%-72% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
17.9%-64% vs US avg
x
Mortgage-Free
44.3%+16% vs US avg
x
$239,700
Home Value
$897
Rent
1979
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached69.3%
  • 1-unit attached6.0%
  • 2-9 units11.9%
  • 10+ units10.7%
  • Mobile home & other2.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$239,700
Median rent$897
Owner-occupied67.8%
Vacant4.9%
Price-to-income3.3x
Est. income to buy$66,000