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.
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Home Value$811,725
+2.9%
Rent$2,945/mo
AFFORDABILITYRenting $2,121/mo cheaper ($2,945 rent)6.50% 30yr, 20% down, county tax + MA ins. 28% per HUD.
Enter your income for Watertown.
$162,345 on $811,725
Out of reach — 81.1% of income
Need $217,114/yr to afford.
PITI$5,066
P/I81.1%
Afford$280K
Gap-$531K
P&I $4,105Tax $812Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Massachusetts
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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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