I live in an unincorporated community, so not in a town. The communities to the North, West, East and South are also unincorporated so other than the name, very little if any difference. County provides law enforcement, fire, sewer, schools, garbage pickup for all of us. Water districts are odd here. I think there are 4 different ones in just my community, 3 publicly owned, 1 a for profit company, and then there are the folks with no water district, every house has it's own domestic water well.