The median home in Watertown, Tennessee is valued at $407,979, up 3.9% year over year. Watertown is part of the Nashville-Davidson--Murfreesboro--Franklin, TN metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$407,979

+3.9%

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$81,596 on $407,979

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

Out of reach39.5% of income

Need $105,900/yr to afford.

PITI$2,471

P/I39.5%

Afford$289K

Gap-$119K

P&I $2,063Tax $241Ins $167

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

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

Other cities in Tennessee

Compare Watertown with other housing markets across Tennessee.

Brentwood$1.39M College Grove$1.23M Arrington$1.13M Lookout Mountain$977K Franklin$904K Nolensville$819K Thompsons Station$728K Eads$681K

Full Nashville-Davidson--Murfreesboro--Franklin, TN analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Nashville-Davidson--Murfreesboro--Franklin, TN metro.

View Nashville-Davidson--Murfreesboro--Franklin, TN metro

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Watertown, TN