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Example household · $83,730 · same pay · 1 adult

Watertown

Housing in Watertown, NY: Rent, Home Prices & Property Tax

$2,157 left/mo

$1,139/mo (1 bd) in Watertown. Median home $181,000. Property tax 1.58%.

Pick a home cityHow we figure this
Rent (1-bedroom)
$1,139
/mo
Buy
$1,391
Mortgage, tax, insurance
Buying costs more
$252
/mo

To buy

  • 20% down payment$36,200
  • Mortgage at 7.24%$987
  • Property tax (1.58% of value)$238/mo · $2,860/yr
  • Insurance and upkeep$166
  • Monthly total$1,391

Months to 20% down

$2,157 left each month. About 17 months (1.4 years) to save $36,200.

Rent is Zillow asking rent. The price is the Census median home value. The mortgage is a 30-year fixed at 7.24%, the Freddie Mac PMMS average for the week of Oct 29, 2026, with 20% down.

Guide: state tax and rent when you compare cities

Moving from Watertown

Take-home by job in Watertown

Pay and leftover for every job in Watertown

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