The median home in Watervliet, New York is valued at $299,422, up 2.6% year over year. Typical monthly rent is $1,455, producing a price-to-rent ratio of 17.1x — near the national average of 18x. Watervliet is part of the Albany-Schenectady-Troy, NY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Albany-Schenectady-Troy, NY stress score, crash risk, and 12-month forecast →

Home Value$299,422

+2.6%

Rent$1,455/mo

AFFORDABILITY

Enter your income for Watervliet.

Income (annual)

Down Payment

$59,884 on $299,422

Stretch — 33.5% of income

Above 28% but manageable with cuts.

PITI$2,093

P/I33.5%

Afford$250K

Gap-$49K

P&I $1,514Tax $429Ins $150

Renting $638/mo cheaper ($1,455 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 Watervliet 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 Albany-Schenectady-Troy, NY analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Albany-Schenectady-Troy, NY metro.

View Albany-Schenectady-Troy, NY metro →

WATERVLIET, NY