Median home value in zip code 13480 (Waterville, NY) is $210,985, up 9.8% year over year. Part of the Utica-Rome, NY metropolitan area.

Home Value$210,985

YoY Change

+9.8%

Prices rising — worse for buyers.

Affordability

Enter your income for 13480 (Waterville).

Income (annual)

Down Payment

$42,197 on $210,985

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

Affordable24.3% of income

Under the 28% guideline.

PITI$1,519

P/I24.3%

Afford$243K

Room+$32K

P&I $1,067Tax $302Ins $150

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

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

Metro Analysis

13480 is part of the Utica-Rome, NY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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