The median home in Watertown, Massachusetts is valued at $811,725, up 2.9% year over year. Typical monthly rent is $2,945, producing a price-to-rent ratio of 23x — well above the national average of 18x. Watertown is part of the Boston-Cambridge-Newton, MA-NH metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$811,725

+2.9%

Rent$2,945/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Watertown.

Income (annual)

Down Payment

$162,345 on $811,725

Example: $75,000 household income. Change it above to see your own.

Out of reach81.1% of income

Need $217,114/yr to afford.

PITI$5,066

P/I81.1%

Afford$280K

Gap-$531K

P&I $4,105Tax $812Ins $150

Renting $2,121/mo cheaper ($2,945 rent)6.50% 30yr, 20% down, county tax + MA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Massachusetts

Compare Watertown with other housing markets across Massachusetts.

Nantucket$2.97M Chilmark$2.28M Weston$2.18M Wellesley$1.95M Edgartown$1.77M Aquinnah$1.73M Dover$1.72M West Tisbury$1.6M

Full Boston-Cambridge-Newton, MA-NH analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Boston-Cambridge-Newton, MA-NH metro.

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Watertown, MA