Watertown - Fort Atkinson Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Watertown - Fort Atkinson averaged
7.05%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.01% and
one month ago for the week of 2026-10-01, the
average rate was 7.05%.
Watertown - Fort Atkinson's average rate one year ago was 6.34%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.26%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Watertown - Fort Atkinson 30 Year Fixed Rate | 2026-11-05 | 7.05% |
| Watertown - Fort Atkinson 30 Year Fixed Rate Refi | 2026-11-05 | 7.26% |
| Watertown - Fort Atkinson 15 Year Fixed Rate | 2026-11-05 | 6.57% |
| Watertown - Fort Atkinson 15 Year Fixed Rate Refi | 2026-11-05 | 7.07% |
| Watertown - Fort Atkinson 30 Year FHA | 2026-11-05 | 7.44% |
| Watertown - Fort Atkinson 30 Year FHA Refi | 2026-11-05 | 6.93% |
| Watertown - Fort Atkinson 30 Year USDA | 2026-11-05 | 7.2% |
| Watertown - Fort Atkinson 30 Year USDA Refi | 2026-11-05 | 6.8% |
| Watertown - Fort Atkinson 30 Year VA | 2026-11-05 | 6.56% |
| Watertown - Fort Atkinson 30 Year VA Refi | 2026-11-05 | 6.56% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Watertown-Fort Atkinson, WI.
Watertown - Fort Atkinson Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Watertown-Fort Atkinson, WI market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Watertown - Fort Atkinson Average Closing Costs & Other Stats
Watertown-Fort Atkinson, WI's 110 lenders originated 2,189
loans during 2025. The total origination value was $523,285,000, with an average loan value of
$239,052.
Watertown - Fort Atkinson's average closing costs are $3,722.
The top Watertown - Fort Atkinson lender as defined by loan originations is Summit Credit Union, with
111 loans originated. Their average total fees are
$2,855, which is $691
lower than the next largest lender,
FAIRWAY INDEPENDENT MORTGAGE CORPORATION.
The lowest fee Watertown - Fort Atkinson lenders (with over 10 loans originated) are
JPMorgan Chase Bank ($2,121), U.S. Bank ($2,425), Landmark Credit Union ($2,558), Johnson Bank ($2,664) and Associated Bank ($2,718).
The lowest rate Watertown - Fort Atkinson lenders (with over 10 loans originated) are
Barrington Bank & Trust Company, N.A. (6.37%), JPMorgan Chase Bank (6.37%), University of Wisconsin Credit Union (6.39%), Landmark Credit Union (6.40%) and Summit Credit Union (6.43%).
Watertown-Fort Atkinson, WI Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| Summit Credit Union | $47,035,000 | $79,560,000 | 69.2% | 15.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $18,985,000 | $23,040,000 | 21.4% | 4.4% |
| Landmark Credit Union | $13,905,000 | $22,475,000 | 61.6% | 4.3% |
| Associated Bank | $6,870,000 | $20,960,000 | 205.1% | 4.0% |
| QUICKEN LOANS, LLC | $14,000,000 | $20,795,000 | 48.5% | 4.0% |
| University of Wisconsin Credit Union | $18,100,000 | $20,290,000 | 12.1% | 3.9% |
| Johnson Bank | $14,720,000 | $19,495,000 | 32.4% | 3.7% |
| North Shore Bank FSB | $25,565,000 | $12,915,000 | -49.5% | 2.5% |
| Badger Bank | $5,505,000 | $12,550,000 | 128.0% | 2.4% |
| ORIX REAL ESTATE CAPITAL, LLC | $12,505,000 | n/a | 2.4% | |
| PremierBank | $19,170,000 | $12,280,000 | -35.9% | 2.3% |
| CARDINAL FINANCIAL | $10,400,000 | $10,760,000 | 3.5% | 2.1% |
| GUILD MORTGAGE COMPANY | $7,470,000 | $9,195,000 | 23.1% | 1.8% |
| Fortifi Bank | $235,000 | $8,890,000 | 3,683.0% | 1.7% |
| THOMPSON KANE & COMPANY, LLC | $8,940,000 | $8,745,000 | -2.2% | 1.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $6,950,000 | $8,155,000 | 17.3% | 1.6% |
| Barrington Bank & Trust Company, N.A. | $5,400,000 | $7,025,000 | 30.1% | 1.3% |
| Mortgage Research Center, LLC | $6,580,000 | $6,485,000 | -1.4% | 1.2% |
| NEWREZ LLC | $8,200,000 | $6,425,000 | -21.6% | 1.2% |
| Farmers & Merchants State Bank | $5,665,000 | $5,930,000 | 4.7% | 1.1% |
| FREEDOM MORTGAGE CORPORATION | $3,595,000 | $5,650,000 | 57.2% | 1.1% |
| PENNYMAC LOAN SERVICES, LLC | $1,945,000 | $5,520,000 | 183.8% | 1.1% |
| Bank Five Nine | $5,075,000 | $5,285,000 | 4.1% | 1.0% |
| U.S. Bank | $3,025,000 | $5,125,000 | 69.4% | 1.0% |
| JPMorgan Chase Bank | $2,215,000 | $4,630,000 | 109.0% | 0.9% |
| COMPEER FINANCIAL, FLCA | $3,170,000 | $4,225,000 | 33.3% | 0.8% |
| Oregon Community Bank | $1,845,000 | $4,095,000 | 122.0% | 0.8% |
| Bank of Sun Prairie | $1,135,000 | $3,970,000 | 249.8% | 0.8% |
| Ixonia Bank | $2,580,000 | $3,910,000 | 51.6% | 0.7% |
| MOVEMENT MORTGAGE, LLC | $2,420,000 | $3,910,000 | 61.6% | 0.7% |
| Bell Bank | $2,640,000 | $3,870,000 | 46.6% | 0.7% |
| The Huntington National Bank | $2,190,000 | $3,845,000 | 75.6% | 0.7% |
| Bank First, N.A. | $4,185,000 | $3,380,000 | -19.2% | 0.6% |
| Bank of Deerfield | $2,200,000 | $3,350,000 | 52.3% | 0.6% |
| Town Bank, N.A. | $2,810,000 | $3,260,000 | 16.0% | 0.6% |
| Flagstar Bank, FSB | $1,225,000 | $3,055,000 | 149.4% | 0.6% |
| Prosperity Home Mortgage, LLC | $3,370,000 | $3,055,000 | -9.3% | 0.6% |
| Waukesha State Bank | $3,540,000 | $2,925,000 | -17.4% | 0.6% |
| Century Mortgage Company DBA Century Lending Company | $1,220,000 | $2,805,000 | 129.9% | 0.5% |
| BMO Harris Bank | $6,410,000 | $2,755,000 | -57.0% | 0.5% |
| WISCONSIN MORTGAGE CORPORATION | $2,400,000 | $2,705,000 | 12.7% | 0.5% |
| A + MORTGAGE SERVICES, INC. | $3,580,000 | $2,595,000 | -27.5% | 0.5% |
| First Community Bank | $1,005,000 | $2,555,000 | 154.2% | 0.5% |
| PLANET HOME LENDING, LLC | $1,085,000 | $2,460,000 | 126.7% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,710,000 | $2,260,000 | 32.2% | 0.4% |
| Nations Lending Corporation | $1,495,000 | $2,195,000 | 46.8% | 0.4% |
| FIRST COLONY MORTGAGE CORPORATION | $3,750,000 | $2,060,000 | -45.1% | 0.4% |
| The Greenwood's State Bank | $3,495,000 | $2,055,000 | -41.2% | 0.4% |
| GUARANTEED RATE AFFINITY, LLC | $470,000 | $1,920,000 | 308.5% | 0.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,275,000 | $1,915,000 | 50.2% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $75,000 | $1,890,000 | 2,420.0% | 0.4% |
| NBKC BANK | $175,000 | $1,820,000 | 940.0% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $620,000 | $1,815,000 | 192.7% | 0.3% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,130,000 | $1,760,000 | 55.8% | 0.3% |
| BROKER SOLUTIONS, INC. | $910,000 | $1,735,000 | 90.7% | 0.3% |
| MARINE | $960,000 | $1,670,000 | 74.0% | 0.3% |
| BETTER MORTGAGE CORPORATION | $1,655,000 | n/a | 0.3% | |
| EDUCATORS CREDIT UNION | $1,715,000 | $1,640,000 | -4.4% | 0.3% |
| AmeriHome Mortgage Company, LLC | $3,130,000 | $1,635,000 | -47.8% | 0.3% |
| GUARANTEED RATE, INC. | $3,670,000 | $1,600,000 | -56.4% | 0.3% |
| USAA Federal Savings Bank | $1,510,000 | $1,600,000 | 6.0% | 0.3% |
| First Federal Bank | $860,000 | $1,590,000 | 84.9% | 0.3% |
| CMG MORTGAGE, INC. | $1,350,000 | $1,455,000 | 7.8% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $1,495,000 | $1,440,000 | -3.7% | 0.3% |
| HOMESIDE FINANCIAL, LLC | $1,405,000 | n/a | 0.3% | |
| Blackhawk Community Credit Union | $405,000 | $1,360,000 | 235.8% | 0.3% |
| 21ST MORTGAGE CORPORATION | $355,000 | $1,305,000 | 267.6% | 0.2% |
| Citizens Bank | $785,000 | $1,245,000 | 58.6% | 0.2% |
| FIRST STATE MORTGAGE SERVICES, LLC | $1,125,000 | $1,200,000 | 6.7% | 0.2% |
| Carrington Mortgage Services, LLC | $750,000 | $1,125,000 | 50.0% | 0.2% |
| Great Midwest Bank, S.S.B. | $1,460,000 | $1,125,000 | -22.9% | 0.2% |
| The Bank of New Glarus | $2,130,000 | $1,100,000 | -48.4% | 0.2% |
| VERIDIAN CREDIT UNION | $1,090,000 | n/a | 0.2% | |
| GENEVA FINANCIAL, LLC | $790,000 | $1,085,000 | 37.3% | 0.2% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $1,085,000 | n/a | 0.2% | |
| UNION HOME MORTGAGE CORP. | $435,000 | $1,040,000 | 139.1% | 0.2% |
| Old National Bank | $855,000 | $1,005,000 | 17.5% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $550,000 | $1,005,000 | 82.7% | 0.2% |
| ZILLOW HOME LOANS, LLC | $510,000 | $975,000 | 91.2% | 0.2% |
| Figure Lending LLC | $320,000 | $970,000 | 203.1% | 0.2% |
| The Bank of Brodhead | $340,000 | $970,000 | 185.3% | 0.2% |
| State Bank of Cross Plains | $730,000 | $955,000 | 30.8% | 0.2% |
| Bank of America | $240,000 | $930,000 | 287.5% | 0.2% |
| Bank of Milton | $35,000 | $915,000 | 2,514.3% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,310,000 | $880,000 | -32.8% | 0.2% |
| Morgan Stanley Private Bank | $325,000 | $845,000 | 160.0% | 0.2% |
| The Park Bank | $210,000 | $810,000 | 285.7% | 0.2% |
| Horicon Bank | $115,000 | $795,000 | 591.3% | 0.2% |
| Wells Fargo Bank | $330,000 | $795,000 | 140.9% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,085,000 | $740,000 | -31.8% | 0.1% |
| Deere Employees Credit Union | $575,000 | $730,000 | 27.0% | 0.1% |
| HOMESTEAD FUNDING CORP. | $720,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $715,000 | n/a | 0.1% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $570,000 | $700,000 | 22.8% | 0.1% |
| Royal Credit Union | $255,000 | $670,000 | 162.7% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $650,000 | n/a | 0.1% | |
| Plains Commerce Bank | $640,000 | n/a | 0.1% | |
| LOANDEPOT.COM, LLC | $1,980,000 | $615,000 | -68.9% | 0.1% |
| The First National Bank of Ottawa | $615,000 | n/a | 0.1% | |
| VILLAGE CAPITAL MORTGAGE | $605,000 | n/a | 0.1% | |
| NexBank | $610,000 | $600,000 | -1.6% | 0.1% |
| UNITEDONE Credit Union | $585,000 | n/a | 0.1% | |
| Equity Prime Mortgage LLC | $580,000 | n/a | 0.1% | |
| Heartland Credit Union (Madison) | $375,000 | $575,000 | 53.3% | 0.1% |
| DUPACO COMMUNITY | $565,000 | n/a | 0.1% | |
| OCMBC, INC. | $560,000 | n/a | 0.1% | |
| First Community Credit Union | $605,000 | $550,000 | -9.1% | 0.1% |
| Capitol Bank | $545,000 | n/a | 0.1% | |
| 212 LOANS, LLC. | $535,000 | n/a | 0.1% | |
| S1L, Inc. | $840,000 | $515,000 | -38.7% | 0.1% |
| MLD MORTGAGE INC. | $510,000 | n/a | 0.1% | |
| ENVOY MORTGAGE, LTD | $500,000 | n/a | 0.1% | |
| Tri City National Bank | $500,000 | n/a | 0.1% | |
| Coastal Community Bank | $200,000 | $495,000 | 147.5% | 0.1% |
| Starion Bank | $450,000 | n/a | 0.1% | |
| FNB Moose Lake | $445,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $265,000 | $440,000 | 66.0% | 0.1% |
| GSF Mortgage Corporation | $425,000 | n/a | 0.1% | |
| Holcomb Bank | $405,000 | n/a | 0.1% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $395,000 | n/a | 0.1% | |
| VERITAS FUNDING, LLC | $305,000 | $395,000 | 29.5% | 0.1% |
| First Mid Bank & Trust | $205,000 | $385,000 | 87.8% | 0.1% |
| The Equitable Bank, S.S.B. | $1,100,000 | $380,000 | -65.5% | 0.1% |
| COMPASS MORTGAGE, INC. | $375,000 | n/a | 0.1% | |
| GREENSTATE CREDIT UNION | $265,000 | $375,000 | 41.5% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $375,000 | n/a | 0.1% | |
| TOWNE MORTGAGE COMPANY | $520,000 | $375,000 | -27.9% | 0.1% |
| FirstBank | $365,000 | n/a | 0.1% | |
| TruHome Solutions, LLC | $365,000 | n/a | 0.1% | |
| Tradition Mortgage, LLC | $355,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $125,000 | $345,000 | 176.0% | 0.1% |
| Community State Bank | $345,000 | n/a | 0.1% | |
| Granite Community Bank | $605,000 | $345,000 | -43.0% | 0.1% |
| National Exchange Bank and Trust | $275,000 | $340,000 | 23.6% | 0.1% |
| The Federal Savings Bank | $915,000 | $340,000 | -62.8% | 0.1% |
| Community First Credit Union | $325,000 | n/a | 0.1% | |
| LOANPAL, LLC | $320,000 | n/a | 0.1% | |
| PNC Bank | $955,000 | $320,000 | -66.5% | 0.1% |
| GUIDANCE RESIDENTIAL, LLC | $315,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $315,000 | n/a | 0.1% | |
| The First National Bank and Trust Company | $315,000 | n/a | 0.1% | |
| FORTE BANK | $305,000 | n/a | 0.1% | |
| Loan Simple, Inc. | $275,000 | $305,000 | 10.9% | 0.1% |
| The Central Trust Bank | $305,000 | n/a | 0.1% | |
| The Northern Trust Company | $305,000 | n/a | 0.1% | |
| Bankers' Bank | $295,000 | n/a | 0.1% | |
| M&T Bank | $285,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $285,000 | n/a | 0.1% | |
| V.I.P. MORTGAGE, INC. | $355,000 | $285,000 | -19.7% | 0.1% |
| JMAC LENDING, INC. | $275,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $265,000 | n/a | 0.1% | |
| DOMINION FINANCIAL SERVICES, LLC | $265,000 | n/a | 0.1% | |
| Farmers Savings Bank | $265,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $265,000 | n/a | 0.1% | |
| OCEANSIDE MORTGAGE COMPANY | $265,000 | n/a | 0.1% | |
| State Bank of Chilton | $255,000 | n/a | 0.0% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $175,000 | $250,000 | 42.9% | 0.0% |
| AMERISAVE MORTGAGE CORPORATION | $45,000 | $250,000 | 455.6% | 0.0% |
| Cornerstone First Mortgage, Inc | $245,000 | $250,000 | 2.0% | 0.0% |
| A&D Mortgage LLC | $255,000 | $245,000 | -3.9% | 0.0% |
| Bank of Colorado | $245,000 | n/a | 0.0% | |
| LEADERONE FINANCIAL CORPORATION | $525,000 | $245,000 | -53.3% | 0.0% |
| The First National Bank of River Falls | $245,000 | n/a | 0.0% | |
| Forward Bank | $235,000 | n/a | 0.0% | |
| Servion, Inc. | $2,370,000 | $235,000 | -90.1% | 0.0% |
| The Loan Store, Inc. | $235,000 | n/a | 0.0% | |
| Republic Bank of Chicago | $280,000 | $230,000 | -17.9% | 0.0% |
| INTERNATIONAL CITY MORTGAGE, INC. | $225,000 | n/a | 0.0% | |
| North Shore Trust and Savings | $225,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $215,000 | n/a | 0.0% | |
| Peoples Bank | $215,000 | n/a | 0.0% | |
| Old Second National Bank | $205,000 | n/a | 0.0% | |
| LAKEVIEW LOAN SERVICING, LLC | $1,280,000 | $195,000 | -84.8% | 0.0% |
| Oak Bank | $195,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $195,000 | n/a | 0.0% | |
| Bay Bank | $185,000 | n/a | 0.0% | |
| Mound City Bank | $185,000 | n/a | 0.0% | |
| PyraMax Bank, FSB | $185,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $565,000 | $185,000 | -67.3% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $155,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $395,000 | $155,000 | -60.8% | 0.0% |
| IncredibleBank | $295,000 | $145,000 | -50.8% | 0.0% |
| SPRING EQ, LLC | $110,000 | $120,000 | 9.1% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $245,000 | $105,000 | -57.1% | 0.0% |
| NEW DAY FINANCIAL, LLC | $410,000 | $105,000 | -74.4% | 0.0% |
| CoVantage Credit Union | $225,000 | $90,000 | -60.0% | 0.0% |
| THRIVENT Federal Credit Union | $85,000 | n/a | 0.0% | |
| VERVE, A CREDIT UNION | $85,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $1,475,000 | $85,000 | -94.2% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $75,000 | n/a | 0.0% | |
| Discover Bank | $1,200,000 | $70,000 | -94.2% | 0.0% |
| Think Mutual Bank | $70,000 | n/a | 0.0% | |
| ADVIA | $105,000 | $55,000 | -47.6% | 0.0% |
| Liberty Savings Bank, F.S.B. | $45,000 | n/a | 0.0% | |
| TRUSTONE FINANCIAL FEDERAL CREDIT UNION | $200,000 | $45,000 | -77.5% | 0.0% |
| CO-OP Credit Union | $25,000 | n/a | 0.0% |
Watertown - Fort Atkinson's top lender by overall market share is Summit Credit Union, with 15.2% market share. In second place, with 4.4%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $23,040,000 in loans. In third place, with 4.3%, is Landmark Credit Union, having originated $22,475,000 in loans. In fourth place, with 4.0%, is Associated Bank, having originated $20,960,000 in loans. In fifth place, with 4.0%, is QUICKEN LOANS, LLC, having originated $20,795,000 in loans.
Watertown - Fort Atkinson Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Watertown - Fort Atkinson (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $249,900 (4.6%) | $294,932 (5.1%) | 0.00 | 267 |
| 2018-02-01 | $260,000 (8.4%) | $311,271 (13.8%) | 0.00 | 267 |
| 2018-03-01 | $264,950 (8.4%) | $322,410 (17.4%) | 0.00 | 296 |
| 2018-04-01 | $260,000 (6.2%) | $322,261 (16.4%) | 0.00 | 317 |
| 2018-05-01 | $272,200 (12.4%) | $338,191 (22.8%) | 0.00 | 320 |
| 2018-06-01 | $269,900 (10.2%) | $338,170 (19.9%) | 0.00 | 317 |
| 2018-07-01 | $265,000 (9.1%) | $322,442 (14.8%) | 0.00 | 338 |
| 2018-08-01 | $265,000 (8.2%) | $321,228 (11.8%) | 0.00 | 364 |
| 2018-09-01 | $264,900 (6.0%) | $314,462 (8.0%) | 0.00 | 364 |
| 2018-10-01 | $265,000 (6.0%) | $321,649 (7.4%) | 0.00 | 346 |
| 2018-11-01 | $265,000 (6.0%) | $315,820 (5.9%) | 0.00 | 318 |
| 2018-12-01 | $265,000 (6.0%) | $313,684 (5.8%) | 0.00 | 291 |
| 2019-01-01 | $265,000 (6.0%) | $312,420 (5.9%) | 0.00 | 261 |
| 2019-02-01 | $265,000 (1.9%) | $316,327 (1.6%) | 0.00 | 249 |
| 2019-03-01 | $270,336 (2.0%) | $325,084 (0.8%) | 0.00 | 261 |
| 2019-04-01 | $278,725 (7.2%) | $344,634 (6.9%) | 0.00 | 291 |
| 2019-05-01 | $280,000 (2.9%) | $344,719 (1.9%) | 0.00 | 303 |
| 2019-06-01 | $279,900 (3.7%) | $345,268 (2.1%) | 0.00 | 323 |
| 2019-07-01 | $269,900 (1.9%) | $329,229 (2.1%) | 0.00 | 354 |
| 2019-08-01 | $269,927 (1.9%) | $331,249 (3.1%) | 0.00 | 357 |
| 2019-09-01 | $269,968 (1.9%) | $330,617 (5.1%) | 0.00 | 356 |
| 2019-10-01 | $270,000 (1.9%) | $331,016 (2.9%) | 0.00 | 348 |
| 2019-11-01 | $259,900 (-1.9%) | $315,689 (0.0%) | 0.00 | 314 |
| 2019-12-01 | $262,500 (-0.9%) | $310,831 (-0.9%) | 0.00 | 268 |
| 2020-01-01 | $265,000 (0.0%) | $317,417 (1.6%) | 0.00 | 231 |
| 2020-02-01 | $269,950 (1.9%) | $320,781 (1.4%) | 0.00 | 249 |
| 2020-03-01 | $279,675 (3.5%) | $319,828 (-1.6%) | 0.00 | 267 |
| 2020-04-01 | $280,000 (0.5%) | $316,304 (-8.2%) | 0.00 | 240 |
| 2020-05-01 | $280,000 (0.0%) | $313,973 (-8.9%) | 0.00 | 238 |
| 2020-06-01 | $280,000 (0.0%) | $306,961 (-11.1%) | 0.00 | 261 |
| 2020-07-01 | $280,000 (3.7%) | $327,187 (-0.6%) | 0.00 | 262 |
| 2020-08-01 | $279,000 (3.4%) | $331,048 (-0.1%) | 0.00 | 258 |
| 2020-09-01 | $270,000 (0.0%) | $337,667 (2.1%) | 0.00 | 240 |
| 2020-10-01 | $270,000 (0.0%) | $339,175 (2.5%) | 0.00 | 228 |
| 2020-11-01 | $269,975 (3.9%) | $336,388 (6.6%) | 0.00 | 209 |
| 2020-12-01 | $278,725 (6.2%) | $338,994 (9.1%) | 0.00 | 180 |
| 2021-01-01 | $289,900 (9.4%) | $350,807 (10.5%) | 0.00 | 127 |
| 2021-02-01 | $289,900 (7.4%) | $349,327 (8.9%) | 0.00 | 119 |
| 2021-03-01 | $298,850 (6.9%) | $348,832 (9.1%) | 0.00 | 131 |
| 2021-04-01 | $293,575 (4.9%) | $334,509 (5.8%) | 0.00 | 172 |
| 2021-05-01 | $325,000 (16.1%) | $349,587 (11.3%) | 0.00 | 167 |
| 2021-06-01 | $309,475 (10.5%) | $340,361 (10.9%) | 0.00 | 181 |
| 2021-07-01 | $299,900 (7.1%) | $337,149 (3.0%) | 0.00 | 201 |
| 2021-08-01 | $289,450 (3.8%) | $333,535 (0.8%) | 0.00 | 205 |
| 2021-09-01 | $295,800 (9.6%) | $338,682 (0.3%) | 0.00 | 215 |
| 2021-10-01 | $299,900 (11.1%) | $355,189 (4.7%) | 0.00 | 212 |
| 2021-11-01 | $281,950 (4.4%) | $334,277 (-0.6%) | 0.00 | 180 |
| 2021-12-01 | $278,725 (0.0%) | $339,312 (0.1%) | 0.00 | 148 |
| 2022-01-01 | $299,450 (3.3%) | $351,720 (0.3%) | 0.00 | 119 |
| 2022-02-01 | $335,000 (15.6%) | $369,940 (5.9%) | 0.00 | 115 |
| 2022-03-01 | $335,000 (12.1%) | $363,197 (4.1%) | 0.00 | 111 |
| 2022-04-01 | $332,450 (13.2%) | $352,429 (5.4%) | 0.00 | 132 |
| 2022-05-01 | $335,000 (3.1%) | $366,892 (5.0%) | 0.00 | 163 |
| 2022-06-01 | $339,900 (9.8%) | $406,495 (19.4%) | 0.00 | 184 |
| 2022-07-01 | $336,600 (12.2%) | $402,975 (19.5%) | 0.00 | 189 |
| 2022-08-01 | $337,475 (16.6%) | $398,032 (19.3%) | 0.00 | 205 |
| 2022-09-01 | $340,000 (14.9%) | $394,525 (16.5%) | 0.00 | 179 |
| 2022-10-01 | $345,950 (15.4%) | $401,323 (13.0%) | 0.00 | 160 |
| 2022-11-01 | $336,375 (19.3%) | $390,125 (16.7%) | 0.00 | 140 |
| 2022-12-01 | $335,000 (20.2%) | $387,391 (14.2%) | 0.00 | 105 |
| 2023-01-01 | $337,450 (12.7%) | $394,230 (12.1%) | 0.00 | 107 |
| 2023-02-01 | $342,100 (2.1%) | $407,518 (10.2%) | 0.00 | 92 |
| 2023-03-01 | $352,475 (5.2%) | $406,758 (12.0%) | 0.00 | 99 |
| 2023-04-01 | $367,000 (10.4%) | $418,904 (18.9%) | 0.00 | 102 |
| 2023-05-01 | $365,000 (9.0%) | $411,911 (12.3%) | 0.00 | 110 |
| 2023-06-01 | $362,450 (6.6%) | $410,625 (1.0%) | 0.00 | 128 |
| 2023-07-01 | $360,000 (7.0%) | $412,727 (2.4%) | 0.00 | 132 |
| 2023-08-01 | $354,950 (5.2%) | $414,694 (4.2%) | 0.00 | 140 |
| 2023-09-01 | $360,000 (5.9%) | $426,256 (8.0%) | 0.00 | 148 |
| 2023-10-01 | $349,900 (1.1%) | $416,697 (3.8%) | 0.00 | 148 |
| 2023-11-01 | $349,950 (4.0%) | $429,813 (10.2%) | 0.00 | 145 |
| 2023-12-01 | $357,450 (6.7%) | $432,950 (11.8%) | 0.00 | 122 |
| 2024-01-01 | $362,475 (7.4%) | $444,766 (12.8%) | 0.00 | 99 |
| 2024-02-01 | $352,450 (3.0%) | $424,122 (4.1%) | 0.00 | 94 |
| 2024-03-01 | $369,450 (4.8%) | $440,854 (8.4%) | 0.00 | 105 |
| 2024-04-01 | $373,450 (1.8%) | $446,602 (6.6%) | 0.00 | 111 |
| 2024-05-01 | $397,450 (8.9%) | $466,421 (13.2%) | 0.00 | 135 |
| 2024-06-01 | $399,900 (10.3%) | $462,215 (12.6%) | 0.00 | 144 |
| 2024-07-01 | $380,000 (5.6%) | $460,838 (11.7%) | 0.00 | 137 |
| 2024-08-01 | $389,450 (9.7%) | $462,686 (11.6%) | 0.00 | 132 |
| 2024-09-01 | $379,938 (5.5%) | $472,533 (10.9%) | 0.00 | 162 |
| 2024-10-01 | $376,475 (7.6%) | $475,841 (14.2%) | 0.00 | 181 |
| 2024-11-01 | $349,900 (0.0%) | $446,779 (4.0%) | 0.00 | 158 |
| 2024-12-01 | $352,425 (-1.4%) | $427,193 (-1.3%) | 0.00 | 135 |
| 2025-01-01 | $362,650 (0.1%) | $441,047 (-0.8%) | 0.00 | 114 |
| 2025-02-01 | $359,900 (2.1%) | $429,993 (1.4%) | 0.00 | 116 |
| 2025-03-01 | $389,900 (5.5%) | $449,393 (1.9%) | 0.00 | 109 |
| 2025-04-01 | $399,600 (7.0%) | $463,776 (3.9%) | 0.00 | 129 |
| 2025-05-01 | $399,500 (0.5%) | $452,853 (-2.9%) | 0.00 | 138 |
| 2025-06-01 | $399,900 (0.0%) | $458,283 (-0.9%) | 0.00 | 143 |
| 2025-07-01 | $399,900 (5.2%) | $449,211 (-2.5%) | 0.00 | 155 |
| 2025-08-01 | $409,900 (5.3%) | $469,875 (1.6%) | 0.00 | 152 |
| 2025-09-01 | $414,950 (9.2%) | $465,897 (-1.4%) | 0.00 | 167 |
| 2025-10-01 | $399,900 (6.2%) | $448,619 (-5.7%) | 0.00 | 190 |
| 2025-11-01 | $399,900 (14.3%) | $439,396 (-1.7%) | 0.00 | 192 |
| 2025-12-01 | $397,900 (12.9%) | $425,533 (-0.4%) | 0.00 | 172 |
| 2026-01-01 | $398,900 (10.0%) | $434,958 (-1.4%) | 0.00 | 151 |
| 2026-02-01 | $396,400 (10.1%) | $426,527 (-0.8%) | 0.00 | 142 |
| 2026-03-01 | $399,800 (2.5%) | $434,059 (-3.4%) | 0.00 | 143 |
| 2026-04-01 | $399,900 (0.1%) | $457,950 (-1.3%) | 0.00 | 171 |
| 2026-05-01 | $402,900 (0.9%) | $458,613 (1.3%) | 0.00 | 174 |
| 2026-06-01 | $399,900 (0.0%) | $454,709 (-0.8%) | 0.00 | 209 |
| 2026-07-01 | $398,000 (-0.5%) | $461,377 (2.7%) | 0.00 | 216 |
| 2026-08-01 | $398,950 (-2.7%) | $465,464 (-0.9%) | 0.00 | 216 |
| 2026-09-01 | $398,950 (-3.9%) | $489,802 (5.1%) | 0.00 | 214 |
| 2026-10-01 | $415,000 (3.8%) | $498,041 (11.0%) | 0.00 | 235 |
Watertown - Fort Atkinson's median listing price for 2026-10-01 was $415,000, a difference of
$15,100
(3.8%) versus the prior year and
$16,050 versus the prior month.
Watertown - Fort Atkinson's median listing price comes in at 0% of the national average.
Watertown - Fort Atkinson's average listing price for 2026-10-01 was $498,041, a difference of $49,422 (11.0%) versus the prior year and $8,239 versus the prior month.
For the 2026-10-01 period, Watertown - Fort Atkinson had 235 MLS listings, a difference of 21 listings (10%) versus the prior month and 45 listings (24%) versus the prior year.
Watertown - Fort Atkinson's median listing price comes in at 0% of the national average.
Watertown - Fort Atkinson's average listing price for 2026-10-01 was $498,041, a difference of $49,422 (11.0%) versus the prior year and $8,239 versus the prior month.
For the 2026-10-01 period, Watertown - Fort Atkinson had 235 MLS listings, a difference of 21 listings (10%) versus the prior month and 45 listings (24%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Watertown - Fort Atkinson (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,720 sqft |
| 2018-02-01 | 0 days | 1,808 sqft |
| 2018-03-01 | 0 days | 1,849 sqft |
| 2018-04-01 | 0 days | 1,853 sqft |
| 2018-05-01 | 0 days | 1,934 sqft |
| 2018-06-01 | 0 days | 1,932 sqft |
| 2018-07-01 | 0 days | 1,864 sqft |
| 2018-08-01 | 0 days | 1,872 sqft |
| 2018-09-01 | 0 days | 1,820 sqft |
| 2018-10-01 | 0 days | 1,871 sqft |
| 2018-11-01 | 0 days | 1,853 sqft |
| 2018-12-01 | 0 days | 1,802 sqft |
| 2019-01-01 | 0 days | 1,800 sqft |
| 2019-02-01 | 0 days | 1,800 sqft |
| 2019-03-01 | 0 days | 1,869 sqft |
| 2019-04-01 | 0 days | 1,940 sqft |
| 2019-05-01 | 0 days | 1,904 sqft |
| 2019-06-01 | 0 days | 1,945 sqft |
| 2019-07-01 | 0 days | 1,907 sqft |
| 2019-08-01 | 0 days | 1,923 sqft |
| 2019-09-01 | 0 days | 1,940 sqft |
| 2019-10-01 | 0 days | 1,972 sqft |
| 2019-11-01 | 0 days | 1,806 sqft |
| 2019-12-01 | 0 days | 1,807 sqft |
| 2020-01-01 | 0 days | 1,837 sqft |
| 2020-02-01 | 0 days | 1,835 sqft |
| 2020-03-01 | 0 days | 1,808 sqft |
| 2020-04-01 | 0 days | 1,886 sqft |
| 2020-05-01 | 0 days | 1,867 sqft |
| 2020-06-01 | 0 days | 1,858 sqft |
| 2020-07-01 | 0 days | 1,864 sqft |
| 2020-08-01 | 0 days | 1,806 sqft |
| 2020-09-01 | 0 days | 1,891 sqft |
| 2020-10-01 | 0 days | 1,803 sqft |
| 2020-11-01 | 0 days | 1,792 sqft |
| 2020-12-01 | 0 days | 1,755 sqft |
| 2021-01-01 | 0 days | 1,783 sqft |
| 2021-02-01 | 0 days | 1,754 sqft |
| 2021-03-01 | 0 days | 1,801 sqft |
| 2021-04-01 | 0 days | 1,804 sqft |
| 2021-05-01 | 0 days | 1,874 sqft |
| 2021-06-01 | 0 days | 1,894 sqft |
| 2021-07-01 | 0 days | 1,850 sqft |
| 2021-08-01 | 0 days | 1,805 sqft |
| 2021-09-01 | 0 days | 1,854 sqft |
| 2021-10-01 | 0 days | 1,827 sqft |
| 2021-11-01 | 0 days | 1,756 sqft |
| 2021-12-01 | 0 days | 1,830 sqft |
| 2022-01-01 | 0 days | 1,897 sqft |
| 2022-02-01 | 0 days | 1,926 sqft |
| 2022-03-01 | 0 days | 1,784 sqft |
| 2022-04-01 | 0 days | 1,800 sqft |
| 2022-05-01 | 0 days | 1,909 sqft |
| 2022-06-01 | 0 days | 1,894 sqft |
| 2022-07-01 | 0 days | 1,884 sqft |
| 2022-08-01 | 0 days | 1,883 sqft |
| 2022-09-01 | 0 days | 1,892 sqft |
| 2022-10-01 | 0 days | 1,971 sqft |
| 2022-11-01 | 0 days | 1,901 sqft |
| 2022-12-01 | 0 days | 1,862 sqft |
| 2023-01-01 | 0 days | 1,835 sqft |
| 2023-02-01 | 0 days | 1,805 sqft |
| 2023-03-01 | 0 days | 1,795 sqft |
| 2023-04-01 | 0 days | 1,806 sqft |
| 2023-05-01 | 0 days | 1,854 sqft |
| 2023-06-01 | 0 days | 1,899 sqft |
| 2023-07-01 | 0 days | 1,900 sqft |
| 2023-08-01 | 0 days | 1,951 sqft |
| 2023-09-01 | 0 days | 1,926 sqft |
| 2023-10-01 | 0 days | 1,936 sqft |
| 2023-11-01 | 0 days | 1,930 sqft |
| 2023-12-01 | 0 days | 1,916 sqft |
| 2024-01-01 | 0 days | 1,851 sqft |
| 2024-02-01 | 0 days | 1,850 sqft |
| 2024-03-01 | 0 days | 1,874 sqft |
| 2024-04-01 | 0 days | 1,792 sqft |
| 2024-05-01 | 0 days | 1,896 sqft |
| 2024-06-01 | 0 days | 1,930 sqft |
| 2024-07-01 | 0 days | 1,922 sqft |
| 2024-08-01 | 0 days | 1,943 sqft |
| 2024-09-01 | 0 days | 1,943 sqft |
| 2024-10-01 | 0 days | 1,961 sqft |
| 2024-11-01 | 0 days | 1,900 sqft |
| 2024-12-01 | 0 days | 1,775 sqft |
| 2025-01-01 | 0 days | 1,786 sqft |
| 2025-02-01 | 0 days | 1,634 sqft |
| 2025-03-01 | 0 days | 1,680 sqft |
| 2025-04-01 | 0 days | 1,774 sqft |
| 2025-05-01 | 0 days | 1,750 sqft |
| 2025-06-01 | 0 days | 1,794 sqft |
| 2025-07-01 | 0 days | 1,789 sqft |
| 2025-08-01 | 0 days | 1,792 sqft |
| 2025-09-01 | 0 days | 1,799 sqft |
| 2025-10-01 | 0 days | 1,802 sqft |
| 2025-11-01 | 0 days | 1,782 sqft |
| 2025-12-01 | 0 days | 1,648 sqft |
| 2026-01-01 | 0 days | 1,635 sqft |
| 2026-02-01 | 0 days | 1,636 sqft |
| 2026-03-01 | 0 days | 1,647 sqft |
| 2026-04-01 | 0 days | 1,713 sqft |
| 2026-05-01 | 0 days | 1,711 sqft |
| 2026-06-01 | 0 days | 1,723 sqft |
| 2026-07-01 | 0 days | 1,744 sqft |
| 2026-08-01 | 0 days | 1,785 sqft |
| 2026-09-01 | 0 days | 1,837 sqft |
| 2026-10-01 | 0 days | 1,856 sqft |
Watertown - Fort Atkinson's median listing age (time on market) for 2026-10-01 was 0 days.
Watertown - Fort Atkinson's median square footage for active listings during the 2026-10-01 period was 1,856 sqft. One year prior, the average listing was 1,802 sqft.
Watertown - Fort Atkinson's median square footage for active listings during the 2026-10-01 period was 1,856 sqft. One year prior, the average listing was 1,802 sqft.
Watertown-Fort Atkinson, WI Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 967 | $332,265,000 | $343,604 |
| Refi | 457 | $100,485,000 | $219,880 |
| Other | 268 | $19,390,000 | $72,351 |
| Cash Out Refi | 249 | $49,565,000 | $199,056 |
| Home Improvement | 246 | $21,230,000 | $86,301 |
| NA | 2 | $350,000 | $175,000 |
Watertown - Fort Atkinson's most frequently cited loan purpose was Home Purchase, with 967 originations. The 2nd most popular reason was Refi, with 457 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 903 | $276,345,000 | $306,030 |
| 7-8% | 335 | $63,815,000 | $190,493 |
| <2.5% | 263 | $22,245,000 | $84,582 |
| 5-6% | 238 | $65,710,000 | $276,092 |
| Over 8% | 207 | $16,765,000 | $80,990 |
| 4-5% | 15 | $16,145,000 | $1,076,333 |
| 3-4% | 7 | $745,000 | $106,429 |
| 2.5-3% | 2 | $230,000 | $115,000 |
During 2025, Watertown - Fort Atkinson's most frequently originated rate bucket was 6-7%, with 903 originations.
Loan Sizing (Watertown-Fort Atkinson, WI MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 849 | $240,685,000 | $283,492 |
| $100,000 or less | 635 | $32,815,000 | $51,677 |
| $100k-200k | 466 | $66,740,000 | $143,219 |
| $400k-600k | 186 | $87,300,000 | $469,355 |
| $600k-1000k | 38 | $28,300,000 | $744,737 |
| $Over $1MM | 15 | $67,445,000 | $4,496,333 |
Watertown - Fort Atkinson's loan sizing saw the bucket of loans from $200k-400k with 849 originations, totaling $240,685,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 614 | $202,150,000 | $329,235 |
| Under 20% | 454 | $23,530,000 | $51,828 |
| 20-40% | 350 | $40,860,000 | $116,743 |
| 60-80% | 331 | $120,645,000 | $364,486 |
| 40-60% | 172 | $46,590,000 | $270,872 |
| Over 100% | 21 | $18,785,000 | $894,524 |
Watertown - Fort Atkinson's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 614 originations, totaling $202,150,000 in origination value.