House Prices

House Prices & Home Values Watertown, NY 2026


Average Data

average house price$204,607
average size per house1893 ft²
average price per ft²109 $ / ft²

04/04/2026 - The value range (VR) for house prices in Watertown, NY is $153/ sqft to $169/ sqft. An average home with 1893 sqft costs approximately $289,629 to $319,917. Watertown, NY includes 2 ZIP codes and it is located in Jefferson county. The lowest prices are found in ZIP 13603, while the highest are in ZIP 13601. The average price per sqare feet is $109. Our analysis is based on 14 property listings.

Avergage prices by ZIP codes Watertown

13601174 $ / ft²
13603148 $ / ft²




Historical development of home values in Watertown

Year Estimated value (USD) Change vs. 2025
2010 $95,023 -53.6%
2011 $91,349 -55.4%
2012 $91,103 -55.5%
2013 $94,508 -53.8%
2014 $99,207 -51.5%
2015 $104,299 -49.0%
2016 $109,742 -46.4%
2017 $115,665 -43.5%
2018 $122,060 -40.3%
2019 $127,719 -37.6%
2020 $134,322 -34.4%
2021 $152,777 -25.3%
2022 $178,103 -13.0%
2023 $187,818 -8.2%
2024 $198,684 -2.9%
2025 $204,607 0.0%

Graph: estimated home values in Watertown over time (USD)



Example: 100% financing house in Watertown

Loan amount: $204,607

Interest rate: 6.00%

Fixed monthly payment: $1,226.72

Breakdown in the 1st month:
Interest portion: $1,023.04  –  Principal portion: $203.69

Yearly breakdown (100% financing)

Year Interest per year ($) Principal per year ($) Remaining balance at year-end ($)
1 $12,208.07 $2,512.60 $202,094.40
2 $12,053.10 $2,667.57 $199,426.83
3 $11,888.57 $2,832.10 $196,594.73
4 $11,713.89 $3,006.78 $193,587.96
5 $11,528.44 $3,192.23 $190,395.73
6 $11,331.55 $3,389.12 $187,006.61
7 $11,122.52 $3,598.15 $183,408.46
8 $10,900.59 $3,820.08 $179,588.38
9 $10,664.98 $4,055.69 $175,532.69
10 $10,414.83 $4,305.84 $171,226.85
11 $10,149.26 $4,571.41 $166,655.44
12 $9,867.30 $4,853.37 $161,802.07
13 $9,567.96 $5,152.71 $156,649.36
14 $9,250.15 $5,470.52 $151,178.84
15 $8,912.74 $5,807.93 $145,370.91
16 $8,554.52 $6,166.15 $139,204.76
17 $8,174.20 $6,546.47 $132,658.29
18 $7,770.43 $6,950.24 $125,708.06
19 $7,341.76 $7,378.91 $118,329.14
20 $6,886.64 $7,834.03 $110,495.12
21 $6,403.46 $8,317.21 $102,177.90
22 $5,890.47 $8,830.20 $93,347.70
23 $5,345.84 $9,374.83 $83,972.88
24 $4,767.62 $9,953.05 $74,019.83
25 $4,153.74 $10,566.93 $63,452.90
26 $3,501.99 $11,218.67 $52,234.23
27 $2,810.05 $11,910.62 $40,323.61
28 $2,075.43 $12,645.24 $27,678.37
29 $1,295.50 $13,425.17 $14,253.20
30 $467.46 $14,253.20 $0.00

Note: The calculation is based on a standard annuity mortgage with a fixed monthly payment over the entire term. Extra payments, interest rate changes, and additional purchase costs (e.g. taxes, notary fees) are not included.


How to sell in Watertown, NY


1500 sqft3900 sqft
Ø selling price$197,836$420,850
Ø fast selling$179,850$378,765
Ø high price sale$215,821$462,934

In 2026, houses in Watertown, NY will be offered at an average price of $109 per square foot. A 1,500 sqft home priced at $197,836 is 23.67% more expensive per square foot than a 3,900 sqft home priced at $420,850. Home prices in Watertown, NY vary significantly depending on the neighborhood and location. For a quick sale, a 2,700 sqft home should be listed at around $291,357. Sellers who can wait longer may achieve a higher price of up to $356,103.


Watertown, NY Travel and Living Guide

Overview

Located in Jefferson County, Watertown, NY is a historic city near the Thousand Islands and the eastern edge of Lake Ontario.
Known for the fast-flowing Black River, it offers world-class whitewater rafting and four-season outdoor recreation.

Attractions & Outdoor Recreation

Visitors enjoy downtown boutiques, local breweries, and family-friendly dining, along with the Thompson Park Zoo and scenic views designed by John C. Olmsted.
Day trips to the Thousand Islands and nearby Adirondacks make Watertown a convenient base for boating, hiking, and fishing.

Living & Real Estate

The city blends affordable housing and historic architecture with neighborhoods close to parks, schools, and healthcare.
Real estate in Watertown, New York ranges from classic brick homes to modern apartments, attracting military families stationed at Fort Drum.

Community & Seasons

A lively calendar of festivals, farmers markets, and arts events energizes the walkable downtown year-round.
Despite snowy winters?Watertown is part of New York?s lake-effect belt?the community embraces the season with skiing, snowmobiling, and ice-fishing.

Travel & Economy

Watertown International Airport, easy access to I-81, and proximity to the Canadian border support tourism and a diversified local economy.
Whether you?re planning a visit or a move, Watertown, NY delivers small-city charm, outdoor adventure, and strong value in Northern New York.



FAQ – Home Values in Watertown

What is the median home value in Watertown in 2026?

In 2026, the typical home value in Watertown is about $204,607 for an average home size of 1893 square feet. This corresponds to an average price of roughly $109 per square foot.

What is the average cost per square foot in Watertown?

In 2026, homes in Watertown sell for an average of around $109 per square foot, with a typical range between $153 and $169 per square foot, depending on the property’s location, condition, and lot size.

What is the average home size in ?

The average home size in Watertown is about 1893 square feet, with an estimated 2026 value around $204,607.



Locations close to Watertown, NY

Adams, NY177 $ / ft²
Adams Center, NY162 $ / ft²
Alexandria Bay, NY175 $ / ft²
Fort Drum, NY151 $ / ft²
Utica, NY162 $ / ft²
Yorkville, NY109 $ / ft²
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