| Index | Watertown | Florida | National |
| Cost of living | 84 | 98 | 100 |
| Goods & Services | 95 | 98 | 100 |
| Groceries | 99 | 99 | 100 |
| Health care | 86 | 96 | 100 |
| Housing | 60 | 96 | 100 |
| Transportation | 87 | 99 | 100 |
| Utilities | 101 | 97 | 100 |


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| Cost of living index | |
| Goods & Services index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $31,595 | $2,633 | $737 | $948 |
| Renters | $28,816 | $2,401 | $672 | $865 |
| State | General Sales Tax | With Max Surtax |
| Florida | 6% | 7.5% |
| State | Income Tax (Low) | Income Tax (High) |
| Florida | 0% | 0% |
| Item | Watertown | National avg. | Difference |
| Haircut | $20.91 | $24.26 | 13.8% |
| Beauty Salon | $70.33 | $45.56 | 54.4% |
| Toothpaste | $3.69 | $3.70 | 0.3% |
| Shampoo | $1.43 | $1.28 | 11.7% |
| Movie | $12.86 | $12.13 | 6.0% |
| Bowling | $20.93 | $18.00 | 16.3% |
| Item | Watertown | National avg. | Difference |
| Ground Beef | $5.34 | $5.84 | 8.6% |
| Fried Chicken | $1.47 | $1.57 | 6.3% |
| Milk | $4.57 | $4.67 | 2.3% |
| Potatoes | $5.44 | $4.93 | 10.3% |
| Pizza | $10.39 | $12.09 | 14.0% |
| Beer | $11.31 | $10.41 | 8.6% |
| Item | Watertown | National avg. | Difference |
| Optometrist | $86.60 | $125.68 | 31.1% |
| Doctor | $100.93 | $135.78 | 25.7% |
| Dentist | $102.03 | $113.29 | 9.9% |
| Ibuprofen | $10.61 | $10.65 | 0.4% |
| Lipitor | $447.41 | $468.60 | 4.5% |
| Item | Watertown | National avg. | Difference |
| Home Price | $97,800.00 | $184,700.00 | 47.0% |
| Avg. Mortgage Payment | $1,803.79 | $2,346.69 | 23.1% |
| Apartment Rent | $737.00 | $949.00 | 22.3% |
| Item | Watertown | National avg. | Difference |
| Gasoline | $3.44 | $3.46 | 0.5% |
| Tire Balancing | $34.43 | $59.92 | 42.5% |
| Item | Watertown | National avg. | Difference |
| All Electricity | $193.67 | $193.99 | 0.2% |
| Phone | $194.82 | $192.25 | 1.3% |
| City | Population | Cost of Living Index | National Avg. |
| White Springs, FL | 966 | 81 | 19.3% |
| Lake City, FL | 12,166 | 88 | 11.8% |
| Five Points, FL | 1,276 | 91 | 8.5% |
| Watertown, FL | 2,381 | 84 | 15.6% |
| City | Population | Cost of Living Index | National Avg. |
| Liberty, PA | 2,381 | 87 | 12.9% |
| Richwood, WV | 2,381 | 79 | 21.4% |
| Hayti, MO | 2,380 | 78 | 22.3% |
| Warsaw, MO | 2,380 | 80 | 20.1% |
| Mitchellville, IA | 2,382 | 88 | 11.7% |
| Watertown, FL | 2,381 | 84 | 15.6% |