Median home value in zip code 57201 (Watertown, SD) is $314,718, up 1.7% year over year. Part of the Watertown, SD metropolitan area.

Home Value$314,718

YoY Change

+1.7%

Prices rising — worse for buyers.

Affordability

Enter your income for 57201 (Watertown).

Income (annual)

Down Payment

$62,944 on $314,718

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

Stretch33.9% of income

Above 28% but manageable with cuts.

PITI$2,118

P/I33.9%

Afford$260K

Gap-$55K

P&I $1,591Tax $344Ins $183

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

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

Metro Analysis

57201 is part of the Watertown, SD metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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