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.

See the full metro analysis: Utica-Rome, NY stress score, crash risk, and 12-month forecast →

Home Value$209,831

+9.3%

AFFORDABILITY

Enter your income for Waterville.

Income (annual)

Down Payment

$41,966 on $209,831

Affordable — 24.2% 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$7210K Water Mill$4535K Bridgehampton$4439K Wainscott$3780K Sands Point$3176K Amagansett$2966K Old Westbury$2853K Quogue$2769K

Full Utica-Rome, NY analysis

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

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WATERVILLE, NY