The median home in Watertown, South Dakota is valued at $297,053, up 1.7% year over year. Watertown is part of the Watertown, SD metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$297,053

+1.7%

Prices rising — worse for buyers.

Affordability

Enter your income for Watertown.

Income (annual)

Down Payment

$59,411 on $297,053

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

Stretch32.2% of income

Above 28% but manageable with cuts.

PITI$2,010

P/I32.2%

Afford$259K

Gap-$38K

P&I $1,502Tax $324Ins $183

6.50% 30yr, 20% down, county tax + SD ins. 28% per HUD.

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

Other cities in South Dakota

Compare Watertown with other housing markets across South Dakota.

Keystone$615K South Shore$546K Hermosa$513K Florence$493K Henry$492K Wentworth$476K Renner$462K Custer$460K

Full Watertown, SD analysis

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

View Watertown, SD metro

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