The median home in Waterville, New York is valued at $209,831, up 9.3% year over year. Waterville is part of the Utica-Rome, NY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$209,831

+9.3%

Prices rising — worse for buyers.

Affordability

Enter your income for Waterville.

Income (annual)

Down Payment

$41,966 on $209,831

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

Affordable24.2% of income

Under the 28% guideline.

PITI$1,512

P/I24.2%

Afford$243K

Room+$33K

P&I $1,061Tax $301Ins $150

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 Waterville with other housing markets across New York.

Sagaponack$7.21M Water Mill$4.54M Bridgehampton$4.44M Wainscott$3.78M Sands Point$3.18M Amagansett$2.97M Old Westbury$2.85M Quogue$2.77M

Full Utica-Rome, NY analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Utica-Rome, NY metro.

View Utica-Rome, NY metro

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Waterville, NY