What stands out worked out from the figures below

Waterbury has the most expensive homes ($447k median).

Jay has the most affordable homes ($234k median).

What matters to you?

Pick a few. We’ll pull those rows to the top and mark which town comes out ahead on each. There’s no overall score: what matters is up to you.

Raising kidsAffordabilityOwning a homeShort commuteWorking from homeYounger crowdSettled, older crowdGrowing town

Measure	Waterbury	Jay
People
Population	5,405Highest	471Lowest
Growth since 20102010 → 2020 census	+5.3%Lowest VT: +2.8%	+5.8%Highest VT: +2.8%
Median age	43.2±3.7Lowest about the VT average	52.1±10.5Highest 21% above VT
	Jay and Waterbury are within the Census margin of error here, so we can’t say which is really higher.
Kids under 18	21.9%±4.9Highest VT: 17.9%	14.2%±7.3Lowest VT: 17.9%
	Waterbury and Jay are within the Census margin of error here, so we can’t say which is really higher.
Age 65+	19.8%±4.4Highest VT: 21.4%	15.5%±6.3Lowest VT: 21.4%
	Waterbury and Jay are within the Census margin of error here, so we can’t say which is really higher.
Bachelor’s degree+adults 25+	54.2%Highest VT: 43.8%	45.1%Lowest VT: 43.8%
Enrolled in collegeshare of residents	3.4%±2.8Highest VT: 7%	1.9%±2.5Lowest VT: 7%
	Waterbury and Jay are within the Census margin of error here, so we can’t say which is really higher.
Cost of living
Household incomemedian	$103,917±$23kHighest 28% above VT	$74,792±$25kLowest 8% below VT
	Waterbury and Jay are within the Census margin of error here, so we can’t say which is really higher.
Home valuemedian, owner-occupied	$447,200±$40kHighest 41% above VT	$234,200±$45kLowest 26% below VT
Rentmedian gross, monthly	$1,027±$535 17% below VT	—
Property taxmedian, yearly	$6,435Highest 28% above VT	$3,588Lowest 29% below VT
Renters paying 30%+of income on rent	46.8%±21.7Highest VT: 48.4%	40%±100Lowest VT: 48.4%
	Waterbury and Jay are within the Census margin of error here, so we can’t say which is really higher.
Below poverty line	7.9%Lowest VT: 10.1%	8.7%Highest VT: 10.1%
Housing
Homeownersof occupied homes	70.6%Lowest VT: 73.2%	97%Highest VT: 73.2%
Typical home builtmedian year	1983Lowest 7 yrs newer than VT	2001Highest 25 yrs newer than VT
Getting to work
Average commuteone way	30 minLowest 28% above VT	40 minHighest 69% above VT
Work from home	28.3%±6.8Highest VT: 16.9%	27.3%±13.7Lowest VT: 16.9%
	Waterbury and Jay are within the Census margin of error here, so we can’t say which is really higher.
Schools
Public school scoresrank in state, math + reading	#20 of 70 in VT	—
School district	Harwood Unified Union School District #60	Jay/Westfield Joint Elementary School District
High school in town	None in town	None in town
On TownTapestry
Old photos in History	None yet	None yet

VT average · Sources: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024; 2010 & 2020 decennial census; NCES Common Core of Data. “±” is the Census margin of error. Property tax is top-coded by the Census at $10,000+. School rank compares math and reading proficiency against the state average.