Median home value in zip code 13685 (Sackets Harbor, NY) is $279K, up 7.2% year over year. Part of the Watertown-Fort Drum, NY metropolitan area.

Full stress scores, AI analysis, and 12-month forecast: Watertown-Fort Drum, NY metro →

Home Value$279,216

YoY Change

+7.2%

AFFORDABILITY

Enter your income for 13685 (Sackets Harbor).

Income (annual)

Down Payment

$55,843 on $279,216

Stretch — 31.4% of income

Above 28% but manageable with cuts.

PITI$1,962

P/I31.4%

Afford$249K

Gap-$30K

P&I $1,412Tax $400Ins $150

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

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

Metro Analysis

13685 is part of the Watertown-Fort Drum, NY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Watertown-Fort Drum, NY analysis

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