Job Salary Guide · 2026
Surgeon Salary After Tax in Watertown
Based on BLS OEWS data · SD · Single filer
Surgeon Salary Range
25th Percentile
$290,000
Take-home:
$208,270
$17,356/mo
Entry to mid-level
Median
$352,000
Take-home:
$247,113
$20,593/mo
Typical salary
75th Percentile
$470,000
Take-home:
$321,040
$26,753/mo
Senior / specialist
Tax Breakdown
At median salary of $352,000
Cost of Living in Watertown
1BR Monthly Rent
$880/mo
2BR Monthly Rent
$1,100/mo
COL Index
0.82
Comfortable Rent Max
$5,148/mo
50 / 30 / 20 Budget Planner
Based on your monthly take-home of $20,593 ($247,116/yr)
$10,297
per month
- ›Rent / mortgage
- ›Groceries
- ›Utilities
- ›Insurance
- ›Minimum debt payments
- ›Transportation
$6,178
per month
- ›Dining out
- ›Streaming services
- ›Gym
- ›Hobbies
- ›Travel
- ›Shopping
$4,119
per month
- ›Emergency fund
- ›401(k) / IRA
- ›Investments
- ›Down payment fund
- ›Debt payoff (extra)
Needs / year
$123,558
Wants / year
$74,135
Savings / year
$49,423
Surgeon Salary in Other Cities
Frequently Asked Questions
What is the average Surgeon salary in Watertown?
The median Surgeon salary in Watertown (SD) is $352,000 per year based on BLS OEWS data. The 25th percentile is $290,000 and the 75th percentile is $470,000.
What is the take-home pay for a Surgeon in Watertown?
At the median salary of $352,000, a Surgeon in SD takes home approximately $247,113 per year ($20,593/month) after federal and state taxes. The effective tax rate is 29.8%.
Can a Surgeon afford rent in Watertown?
The average 1-bedroom rent in Watertown is $880/month. On the median Surgeon salary, your rent-to-income ratio is 4.3%, which is "Comfortable". Financial experts recommend keeping rent below 25–30% of take-home pay ($5,148/month at this salary).
How does cost of living affect Surgeon salaries in Watertown?
Watertown has a cost-of-living index of 0.82 (1.00 = national average). Watertown is 18% cheaper than the US average, so the Surgeon salary goes further here than in high-cost metros.