City

WATERTOWN, SD

Watertown, SD

Median home value: $297K (+1.7% YoY). Part of Watertown, SD.

Limited Data

Basic Zillow data only. For stress scores, AI analysis, and trends, Watertown, SD metro page.

Home Value$297,053
+1.7%
AFFORDABILITY

Enter your income for Watertown.

$59,411 on $297,053
Stretch — 30.9% of income

Above 28% but manageable with cuts.

PITI$1,932
P/I30.9%
Afford$269K
Gap-$28K
P&I $1,425Tax $324Ins $183
6.00% 30yr, 20% down, county tax + SD ins. 28% per HUD.
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Watertown Housing Market | CrashWatch