| Metric | Latest | Detail |
|---|---|---|
| Median listing price | $269,900 | +3.8% YoY |
| Median price per sq ft | $156 | 1,738 sq ft median |
| Median days on market | 69 | +2% YoY |
| Active listings | 465 | +11% YoY |
| New listings this month | 92 | September 2026 |
| Listings with a price cut | 17% | Share of active |
| Median sale price (closed) | $268,500 | +6.9% YoY · closed sales, July 2026 |
| Sale-to-list ratio | 99.5% | Closed sales, July 2026, seasonally adjusted |
| Pending-to-active ratio | 53.4% | 249 pending |
| Inventory vs 2019 | 58% | Active listings vs same month in 2019 |
| Gross rental yield | 6.2% | 2BR fair market rent |
Metropolitan market · New York · September 2026 data
What is the Watertown, NY real estate market doing?
As of September 2026, the median home listed in Watertown, NY asks $269,900, up 3.8% year over year. Homes spend a median of 69 days on market, with 465 active listings and 17% carrying a price cut; pending contracts equal 53% of active listings, and inventory sits at 58% of the same month in 2019 — a balanced market. Estimated gross rental yield on the median listing is 6.2%. Figures come from public records and industry data, updated monthly.
Median listing price
$269,900
▲ 3.8% YoY
Median $ / sq ft
$156
1,738 sq ft median
Median days on market
69
September 2026
Active listings
465
For sale now
New listings
92
September 2026
Listings with price cuts
17%
Share of active
Inventory vs 2019
58%
Same month, 2019 = 100
Pending / active
53%
Contract activity
Median sale price (closed)
$268,500
▲ 6.9% YoY · closed sales · July 2026
Sale-to-list ratio
99.5%
Closed sales · July 2026, seasonally adjusted
Homes sold / month
112
Closed sales · July 2026, seasonally adjusted
What is the Watertown, NY housing market doing right now?
The Watertown, NY housing market lists at a $269,900 median as of September 2026, up 3.8% year over year, with a 69-day median market time and 465 homes for sale (17% with a price cut). Active inventory is 58% of the 2019 level, reading as a balanced market under WealthyBud's published buyer/seller rule. Gross rental yield is about 6.2%.
Watertown housing market statistics
The table summarizes Watertown's key housing figures for September 2026 — median listing and closed-sale prices, market pace, inventory and rental yield — each computed from public records and industry data. Closed-sale figures are Redfin's July 2026 data, the latest settled month Redfin reports for Watertown.
How have home prices changed in Watertown?
Watertown home prices are up 3.8% year over year and +1.9% month over month as of September 2026, at a $269,900 median listing price. The chart tracks the trailing eight-quarter trend in the metro's median asking price.
Median listing price, Watertown NY · trailing 8 quarters · source: public records and industry data.
The 10-year view
10-year median listing price, Watertown NY · June of each year, 2017–2026 · source: public records and industry data.
How much inventory is on the market in Watertown?
Watertown has 465 active listings, 92 new this month, 249 pending as of September 2026. About 17% of active listings have cut their price, and inventory sits at 58% of its 2019 level — a balanced market by pace.
Is Watertown a good real estate investment?
Watertown scores 79/100 on WealthyBud's composite Investor Score, ranking #24 of 933 covered U.S. metros as of September 2026. The score blends price momentum, value, rental yield, supply and market heat into one percentile. It is a research opinion, not advice.
Investor Score
79/100
#24 of 933 covered metros
Price volatility
Low
σ 5.2% · 20-yr price-index swings
Watertown scores 79/100 on our composite Investor Score (#24 of 933 covered metros), a percentile blend of momentum, value, rental yield, supply and market-heat readings; the metro's long-run house price index has it up 36% over five years and +57% over ten, leaving prices 2% above its own 2000–2019 trend; at the published FY2026 fair market rent of $1,405/mo for a two-bedroom, the gross rental yield on the median listing is about 6.2%; active inventory sits at 58% of its June 2019 level, so supply is still below pre-pandemic norms; listing prices are up 3.8% year over year; all against a national 30-year fixed mortgage rate of 7.28% (national weekly average, 2026-10-01).
Scores are percentile ranks (0–100) across all covered U.S. metros, computed from the public data cited on this page — formulas here. They are data-derived opinions, not investment advice. See how Watertown ranks on the trending markets index.
How much is a monthly mortgage payment in Watertown?
A home at Watertown's $269,900 median listing runs about $1,477 a month in principal and interest — 20% down on a 30-year fixed loan at the current 7.28% national average rate. Taxes, insurance and HOA are extra.
If rates fall 1% · 6.28%
$1,334/mo
−$144/mo vs today
At today's rate · 7.28%
$1,477/mo
National weekly average
If rates rise 1% · 8.28%
$1,627/mo
+$149/mo vs today
Principal & interest on the $269,900 median listing with 20% down and a 30-year fixed loan — excludes taxes, insurance and HOA. Current rate: 7.28% (national weekly average, 2026-10-01). Model a full deal in the deal analyzer.
How much income do you need to buy a home in Watertown?
To buy Watertown’s $269,900 median listing with 20% down, a household needs about $79,000 a year in gross income, keeping principal, interest and property tax ($1,833/mo) at 28% of income. That is 1.2× the area’s $64,978 median household income, so a typical Watertown household cannot afford the median listing on these terms.
| Item | Amount | Basis |
|---|---|---|
| Median listing price | $269,900 | September 2026 |
| Down payment (20%) | $53,980 | Assumption |
| Principal & interest (7.28%, 30-yr fixed) | $1,477/mo | Rate as of 2026-10-01 |
| Property tax (1.58% effective rate) | $355/mo | Census ACS |
| Income needed (28% rule) | $79,000 | Gross household income / yr |
| Median household income | $64,978 | Census ACS 2023 ACS 5-year |
Excludes homeowners insurance, HOA dues and mortgage insurance, so the true income needed is higher. Compare every market in the income-needed ranking and the price-to-income ranking.
What is driving the Watertown housing market?
Longer-run demand in Watertown shows up in 225 homes permitted in 2025; net migration of -1,328 residents; 0.0% job growth. Natural-hazard risk rates Relatively Low. These federal supply-pipeline, migration and jobs signals shape where prices head next.
Building permits (2025)
225
▲ 14.8% vs 2024
1.9 per 1,000 residents
Net migration (2022–2023)
-1,328
▼ people, via tax-return records
net income flow −$33.0M/yr
Job growth (YoY)
0.0%
42.6k nonfarm jobs · August 2026
Natural-hazard risk
Relatively Low
National hazard index · top hazard: Riverine flooding
Based on public government records — building-permit, tax-return migration, employment and natural-hazard statistics, aggregated to the metro. Details on /methodology.
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ReadWatertown housing market FAQ
What is the median home price in Watertown?
As of September 2026, the median listing price in Watertown, NY is $269,900, up 3.8% year over year (source: public records and industry data). Figures cover the Watertown-Fort Drum, NY metro area.
How much does it cost to buy a home in Watertown?
The median home listed in Watertown asks $269,900 as of September 2026. With 20% down on a 30-year fixed loan at the current 7.28% national average rate, that runs about $1,477 a month in principal and interest, before taxes, insurance and HOA.
How fast are homes selling in Watertown?
The median property in Watertown spends 69 days on the market, with 465 homes actively listed and 17% of them carrying a price cut — a balanced market as of September 2026.
Is it a buyer's or seller's market in Watertown?
With a median 69 days on market and 17% of active listings carrying a price cut, pending contracts at 53% of active listings, Watertown reads as a balanced market as of September 2026. Labels use WealthyBud's published DOM / sale-to-list / price-cut / pending rule. Conditions shift monthly.
Is Watertown a good place to invest in real estate?
Watertown scores 79/100 on WealthyBud's Investor Score, ranking #24 of 933 covered U.S. metros as of September 2026. The score blends price momentum, value, rental yield, supply and market heat. It is a data-derived research opinion, not investment advice.
Who are the top real estate agents in Watertown?
See WealthyBud directories for the top-producing agents, teams and brokerages serving Watertown and the wider New York market, ranked by recent sales from public profile data.
Based on public records and industry data, September 2026 — see our methodology for how every figure is computed. Figures cover the Watertown-Fort Drum, NY metro area. Figures change monthly — verify current conditions with a local agent or MLS. Portions of market data courtesy of Realtor.com and Redfin; additional statistics from U.S. government sources.
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