53098 ZIP Code — Watertown, WI

Dodge County, Wisconsin

ZIP code 53098 is located in Watertown, Wisconsin, within Dodge County. It covers approximately 101.63 square miles and serves a population of 11,586 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 920.

About ZIP code 53098

The housing stock consists of a mix of housing types. Most homes were built in the pre-1940, giving the area an established character. Median home value is $231,500. Owner-occupancy sits near the national average at 69%.

Median household income is $68,618. The poverty rate of 7% is below the national average. 37% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. The average commute of 23 minutes is near the national average.

College attainment at 18% is below the national average, consistent with a trades and production-oriented local economy.

Overall, ZIP code 53098 reflects a community defined by a trades-oriented workforce and a significant Social Security-dependent population.

11,586

population

101.63

sq mi land

Standard

ZIP type

Central (CT)

timezone

53098 ZIP code map

Cities in ZIP code 53098

Below are the cities the US Postal Service accepts for ZIP code 53098. Using any city not on this list may result in mail delivery delays.

City	Status
Watertown	Preferred

Nearby ZIP codes

53557 Lowell (6.3 mi) 53039 Juneau (7.6 mi) 53034 Hustisford (7.9 mi) 53579 Reeseville (8.5 mi) 53094 Watertown (8.9 mi) 53094 Watertown (8.9 mi) 53036 Ixonia (9.4 mi) 53059 Neosho (9.5 mi) 53038 Johnson Creek (12.1 mi) 53099 Woodland (12.6 mi) 53032 Horicon (12.7 mi) 53035 Iron Ridge (13 mi)

Demographics updated 05/2026

Population
Total population	11,586
Population density	114 / sq mi
State FIPS	55
County FIPS	027

Geography
Land area	101.63 sq mi
Water area	1.02 sq mi
Latitude	43.2616
Longitude	-88.7201
Timezone	Central (CT)
Area code	920

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.3%	39.7%	39.4%
$50k – $100k	31.7%	37.8%	33.0%
$100k – $200k	20.4%	20.0%	22.4%
Over $200k	3.5%	2.6%	5.2%

Demographics & statistics

11,586

Population

114

People per sq mi

44.0

Median age

$68,618

Median household income

$35,058

Per capita income

$231,500

Median home value

$1,103

Median monthly rent

69.1%

Home ownership

6.9%

Poverty rate

4.0%

Unemployment

3,274

Housing units

18.2%

Bachelor's or higher

Age distribution

Male Female

151

Under 5

177

169

5–9

199

424

10–14

498

415

15–19

487

434

20–24

508

514

25–34

603

622

35–44

730

743

45–54

871

382

55–59

448

377

60–64

442

498

65–74

583

382

75–84

447

222

85+

260

← Male

Female →

Age summary

Group	Count	%
Under 18	2,114	18.2%
18 and over	9,472	81.8%
65 and over	2,392	20.6%
Median age	44.0 years

Race & ethnicity

White 82.5%

Hispanic or Latino 7.9%

Two or more races 7.5%

Other race 1.4%

Black or African American 0.6%

American Indian / Alaska Native 0.1%

Group	Count	%
White	10,372	82.5%
Hispanic or Latino	991	7.9%
Two or more races	942	7.5%
Other race	176	1.4%
Black or African American	73	0.6%
American Indian / Alaska Native	18	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.3%	39.7%	39.4%
$50k – $100k	31.7%	37.8%	33.0%
$100k – $200k	20.4%	20.0%	22.4%
Over $200k	3.5%	2.6%	5.2%

Under $10k 4.3%

$10k–$15k 2.4%

$15k–$25k 5.6%

$25k–$35k 11.3%

$35k–$50k 13.1%

$50k–$75k 16.7%

$75k–$100k 14.2%

$100k–$150k 19.4%

$150k–$200k 7.0%

$200k+ 5.9%

Range	% of households
Under $10k	4.3%
$10k–$15k	2.4%
$15k–$25k	5.6%
$25k–$35k	11.3%
$35k–$50k	13.1%
$50k–$75k	16.7%
$75k–$100k	14.2%
$100k–$150k	19.4%
$150k–$200k	7.0%
$200k+	5.9%
Median income	$68,618

Housing

Home values

Under $50k 1.5%

$50k–$100k 3.4%

$100k–$150k 15.6%

$150k–$200k 17.0%

$200k–$300k 36.6%

$300k–$500k 21.2%

$500k–$1M 3.2%

$1M+ 1.5%

Housing overview

Metric	Value
Median home value	$231,500
Median rent / month	$1,103
Owner occupied	69.1%
Renter occupied	30.9%
Vacant	5.6%
Single-family detached	69.9%
Large apartment buildings	8.0%
Mobile homes	2.4%
Median rooms	5.9
Avg household size (owned)	2.77

Year built

Era	%
2020 or later	0.0%
2010–2019	5.1%
2000–2009	14.3%
1990–1999	13.4%
1980–1989	14.6%
1970–1979	14.3%
1960–1969	7.0%
1950–1959	4.8%
1940–1949	3.4%
1939 or earlier	23.1%

Bedrooms

Size	% of units
No bedroom (studio)	1.8%
1 bedroom	5.0%
2 bedrooms	28.9%
3 bedrooms	44.4%
4 bedrooms	16.1%
5+ bedrooms	3.9%

Vehicles per household

Vehicles	% of households
No vehicle	5.0%
1 vehicle	28.6%
2 vehicles	39.3%
3 or more	27.0%

Heating fuel

Fuel type	%
Utility gas	59.3%
Electricity	18.3%
Propane / LP gas	14.0%
Fuel oil	1.5%
Wood	4.6%
No fuel used	1.1%

Households & families

Household type	Count	%
Married-couple family	2,265	51.9%
Cohabiting couple	326	7.5%
Male householder, no spouse	628	14.4%
Female householder, no spouse	1,145	26.2%
Households with children under 18	1,125	25.8%
Households with seniors (65+)	1,657	38.0%
Average household size	2.58

Marital status

Status	Male	Female
Never married	32.6%	31.7%
Married	52.7%	45.8%
Separated	0.7%	0.4%
Widowed	3.2%	10.1%
Divorced	10.8%	12.0%

Education

Less than 9th grade 3.1%

Some HS, no diploma 5.5%

HS graduate 41.5%

Some college, no degree 21.0%

Associate's degree 10.7%

Bachelor's degree 12.5%

Graduate / professional 5.7%

Metric	%
HS diploma or higher	91.4%
Bachelor's or higher	18.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	95	3.6%
Kindergarten	54	2.0%
Elementary school	1,076	40.3%
High school	745	27.9%
College / grad school	702	26.3%

Employment

Industry of employment

Manufacturing 27.3%

Education & healthcare 20.4%

Retail trade 12.9%

Other services 6.9%

Construction 6.7%

Arts, food & hospitality 5.8%

Agriculture & mining 3.6%

Transportation & utilities 3.5%

Professional & management 3.5%

Wholesale trade 2.9%

Finance & real estate 2.9%

Public administration 2.6%

Information 1.1%

Occupation

Category	%
Management, business & arts	26.1%
Service	16.6%
Sales & office	23.3%
Natural resources & construction	10.8%
Production & transportation	23.1%

Employment type

Type	%
Private sector	86.5%
Government	8.5%
Self-employed	5.0%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	79.5%
Carpool	10.0%
Public transit	0.0%
Walk	4.3%
Work from home	5.1%
Other means	1.1%
Avg commute (minutes)	22.5

Poverty

All people 6.9%

Under 18 years 9.9%

18 and over 6.2%

Married-couple families 2.3%

Female-led households 17.9%

Income support

Source	% of households
Social Security	37.1%
Retirement income	24.8%
Supplemental Security	1.9%
Cash public assistance	1.8%
Food stamps / SNAP	10.8%

Health indicators

Condition	%
Obesity	36.1%
High blood pressure	32.5%
High cholesterol	34.6%
Diabetes	9.8%
Heart disease	7.2%
Stroke	3.3%
Asthma	9.6%
Arthritis	26.5%
Kidney disease	3.1%
Pulmonary disease	6.9%
Cancer	8.0%

Behavior / access	%
Smoking	17.2%
Binge drinking	22.7%
No physical activity	22.3%
Less than 7 hrs sleep	31.3%
Depression	19.3%
Fair or poor health	12.9%
Poor mental health	13.1%
Poor physical health	10.4%
No health insurance	10.8%
Visited doctor (checkup)	74.9%
Visited dentist	70.4%
Cholesterol screening	87.8%
Teeth loss	13.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	632	6.7%

Disability	%
Any disability	13.2%
Under 18	2.2%
18–64 years	11.5%
65 and over	29.1%

Health insurance coverage

Type	%
Private insurance	76.1%
Public insurance	36.7%
No insurance	4.1%
Uninsured under 19	4.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	11,258	97.2%
Spanish	411	3.7%
Other Indo-European	304	2.7%
Asian & Pacific Islander	31	0.3%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	11,219	96.8%
Born in same state	11,140	96.2%
Born in different state	9,427	81.4%
Foreign born	79	0.7%
Naturalized citizen	367	3.2%
Not a US citizen	275	74.9%

Ancestry

Ancestry	Count	%
Italian	1,713	14.8%
Polish	791	6.8%
French	731	6.3%
Arab	314	2.7%
Dutch	201	1.7%

Ancestry	Count	%
English	70	0.6%
German	37	0.3%
Irish	21	0.2%
Norwegian	19	0.2%

Technology access

Metric	% of households
Computer access	37.7%
Internet access	91.1%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 53098

What city is ZIP code 53098 in?

ZIP code 53098 is primarily assigned to Watertown, Wisconsin.

What county is ZIP code 53098 in?

ZIP code 53098 falls within Dodge County, Wisconsin.

Does ZIP code 53098 have a large retiree population?

37% of households in ZIP code 53098 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 53098?

ZIP code 53098 has an estimated population of 11,586 residents, with a density of 114 people per square mile.

What is the typical home value in ZIP code 53098?

The median home value in ZIP code 53098 is $231,500.

What is the median household income in ZIP code 53098?

The median household income in ZIP code 53098 is $68,618, below the national median of ~$75,000.

What timezone is ZIP code 53098 in?

ZIP code 53098 observes the CST timezone.