The median home in Watertown, New York is valued at $188,797, down 0.2% year over year. Typical monthly rent is $1,373, producing a price-to-rent ratio of 11.5x — below the national average of 18x. Watertown is part of the Watertown-Fort Drum, NY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Watertown-Fort Drum, NY stress score, crash risk, and 12-month forecast →

Home Value$188,797

-0.2%

Rent$1,373/mo

AFFORDABILITY

Enter your income for Watertown.

Income (annual)

Down Payment

$37,759 on $188,797

Affordable — 22% of income

Under the 28% guideline.

PITI$1,375

P/I22%

Afford$240K

Room+$51K

P&I $955Tax $271Ins $150

Renting $2/mo cheaper ($1,373 rent)6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

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

Other cities in New York

Compare Watertown with other housing markets across New York.

Sagaponack$7210K Water Mill$4535K Bridgehampton$4439K Wainscott$3780K Sands Point$3176K Amagansett$2966K Old Westbury$2853K Quogue$2769K

Full Watertown-Fort Drum, NY analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Watertown-Fort Drum, NY metro.

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WATERTOWN, NY