Cost of Living in Watertown, NY
Overall index: 66 (100 = US national average). Data source: US Census ACS 2023 & BLS OEWS 2025, 2025.
Overall Cost of Living Index
Cost Breakdown by Category
| Category | Index | vs US avg | Sample cost |
|---|---|---|---|
| Housing | 43 | -57% | $653 |
| Transportation | 105 | +5% | $3.50 |
| Food | 67 | -33% | $275 |
| Utilities | 72 | -28% | $77 |
| Healthcare | 72 | -28% | $56 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in Watertown?
A single adult living comfortably in Watertown, NY needs approximately $23,100 / year after taxes.
Already earning a salary somewhere else? Compare it directly:
Frequently Asked Questions
What is the cost of living in Watertown, NY?
The overall cost of living in Watertown, NY is 34% lower than the US national average (index: 66 where 100 = national average).
How much is rent in Watertown, NY?
Average rent for a 1-bedroom apartment in Watertown, NY is about $653/month.
Is Watertown, NY expensive to live in?
No, Watertown, NY is affordable (below national average).
What salary do I need to live in Watertown, NY?
A single adult needs roughly $23,100/year to cover basic living costs in Watertown, NY.