WATERTOWN - FORT DRUM Mortgage Rates & Closing Costs

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  • Trends
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  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Watertown - Fort Drum averaged 6.88% for the week of 2023-03-23, compared to the national average of 6.42% for the same period.

    The average rate for the prior week (2023-03-16) was 6.76% and one month ago for the week of 2023-02-16, the average rate was 6.68%.

    Watertown - Fort Drum's average rate one year ago was 3.91%.

    For refis of the same type during the week of 2023-03-23, the average rate was 6.89%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-03-23 6.42%
    Watertown - Fort Drum 30 Year Fixed Rate 2023-03-23 6.88%
    Watertown - Fort Drum 30 Year Fixed Rate Refi 2023-03-23 6.89%
    Watertown - Fort Drum 15 Year Fixed Rate 2023-03-23 6.12%
    Watertown - Fort Drum 15 Year Fixed Rate Refi 2023-03-23 6.59%
    Watertown - Fort Drum 30 Year FHA 2023-03-23 6.43%
    Watertown - Fort Drum 30 Year FHA Refi 2023-03-23 6.16%
    Watertown - Fort Drum 30 Year USDA 2023-03-23 6.2%
    Watertown - Fort Drum 30 Year VA 2023-03-23 6.4%
    Watertown - Fort Drum 30 Year VA Refi 2023-03-23 5.89%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within WATERTOWN-FORT DRUM, NY.

    WATERTOWN - FORT DRUM 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 DRUM, NY 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.).

    Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    AMERICU Credit Union 134 4.80% $4,236
    Watertown Savings Bank 106 4.13% $2,497
    Community Bank 77 5.30% $665
    NORTHERN CREDIT UNION 51 4.75% $4,243
    MOVEMENT MORTGAGE, LLC 31 5.10% $5,859
    HOMESTEAD FUNDING CORP. 28 5.14% $4,898
    QUICKEN LOANS, LLC 25 4.65% $5,889
    GUARANTEED RATE, INC. 22 5.32% $5,725
    KeyBank 21 5.01% $4,104
    Genesee Regional Bank 13 4.95% $5,215
    Wells Fargo Bank 12 5.28% $4,286
    Gouverneur Savings and Loan Association 10 4.85% $1,340
    Farm Credit East, ACA 9 5.63% $7,756
    NAVY FEDERAL CREDIT UNION 8 5.52% $3,967
    1ST PRIORITY MORTGAGE, INC. 7 5.27% $4,153
    SEFCU SERVICES, LLC 5 4.03% $3,401
    LOANDEPOT.COM, LLC 4 5.59% $5,153
    CROSSCOUNTRY MORTGAGE, LLC 4 6.00% $6,902
    JPMorgan Chase Bank 4 4.75% $3,999
    Citizens Bank 3 4.54% $6,210
    Empower Federal Credit Union 3 3.75% $4,245
    Mr. Cooper ( Nationstar Mortgage ) 3 4.37% $6,968
    M&T Bank 3 4.67% $8,503
    NBT Bank 3 3.71% $4,408
    NEWREZ LLC 3 4.83% $4,525
    Premium Mortgage Corporation 3 5.08% $3,480
    Mortgage Research Center, LLC 2 6.38% $7,426
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 4.38% $5,525
    Morgan Stanley Private Bank 2 4.05% $5,681
    Flagstar Bank, FSB 2 5.79% $8,958
    Bank of America 2 4.25% $5,033
    VISIONS 1 4.25% $2,916
    Adirondack Bank 1 5.63% $2,960
    City National Bank 1 5.58% $4,776
    PENTAGON FEDERAL CREDIT UNION 1 4.75% $3,862
    PNC Bank 1 6.38% $5,871
    21ST MORTGAGE CORPORATION 1 7.25% $6,719
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 4.38% $4,611
    RELIANT COMMUNITY FEDERAL CREDIT UNION 1 5.25% $2,407
    ROYAL UNITED MORTGAGE LLC 1 7.00% $10,046
    TD Bank 1 4.75% $5,237
    The Lyons National Bank 1 5.88% $6,034
    THRIVENT Federal Credit Union 1 3.75% $3,344
    TOTAL MORTGAGE SERVICES, LLC 1 6.50% $4,759
    Ulster Savings Bank 1 4.25% $4,701
    United Nations Federal Credit Union 1 4.13% $2,307
    GREENWAY MORTGAGE FUNDING CORP. 1 5.88% $8,106
    FREEDOM MORTGAGE CORPORATION 1 5.00% $6,242
    Evolve Bank & Trust 1 5.25% $4,760
    FIRST SOURCE 1 4.38% $3,212
    Evans Bank 1 3.50% $2,219
    Univest Bank and Trust Co. 1 6.50% $6,572
    USAA Federal Savings Bank 1 5.63% $3,049
    CLIFFCO, INC. 1 6.13% $12,303

    WATERTOWN - FORT DRUM Average Closing Costs & Other Stats

    WATERTOWN-FORT DRUM, NY's 54 lenders originated 2,540 loans during 2022. The total origination value was $458,190,000, with an average loan value of $180,390.

    WATERTOWN - FORT DRUM's average closing costs are $4,465.

    The top WATERTOWN - FORT DRUM lender as defined by loan originations is AMERICU Credit Union, with 134 loans originated. Their average total fees are $4,236, which is $1,739 higher than the next largest lender, Watertown Savings Bank.

    The lowest fee WATERTOWN - FORT DRUM lenders (with over 10 loans originated) are Community Bank ($665), Gouverneur Savings and Loan Association ($1,340), Watertown Savings Bank ($2,497), KeyBank ($4,104) and AMERICU Credit Union ($4,236).

    The lowest rate WATERTOWN - FORT DRUM lenders (with over 10 loans originated) are Watertown Savings Bank (4.13%), QUICKEN LOANS, LLC (4.65%), NORTHERN CREDIT UNION (4.75%), AMERICU Credit Union (4.80%) and Gouverneur Savings and Loan Association (4.85%).

    WATERTOWN-FORT DRUM, NY 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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    AMERICU Credit Union $43,535,000 $47,025,000 8.0% 10.3%
    Watertown Savings Bank $65,085,000 $38,275,000 -41.2% 8.4%
    MOVEMENT MORTGAGE, LLC $49,300,000 $37,275,000 -24.4% 8.1%
    Carthage Federal Savings and Loan Association $40,155,000 $36,295,000 -9.6% 7.9%
    NORTHERN CREDIT UNION $56,320,000 $33,125,000 -41.2% 7.2%
    Community Bank $44,820,000 $27,990,000 -37.6% 6.1%
    Mortgage Research Center, LLC $17,680,000 $21,885,000 23.8% 4.8%
    HOMESTEAD FUNDING CORP. $43,200,000 $21,120,000 -51.1% 4.6%
    GUARANTEED RATE, INC. $21,880,000 $20,835,000 -4.8% 4.5%
    QUICKEN LOANS, LLC $46,050,000 $19,940,000 -56.7% 4.4%
    PLAZA HOME MORTGAGE, INC. $25,280,000 $13,915,000 -45.0% 3.0%
    NAVY FEDERAL CREDIT UNION $9,230,000 $13,090,000 41.8% 2.9%
    Flagstar Bank, FSB $895,000 $12,695,000 1,318.4% 2.8%
    KeyBank $19,780,000 $10,465,000 -47.1% 2.3%
    The Canandaigua National Bank and Trust Company $8,005,000 n/a 1.7%
    Empower Federal Credit Union $2,340,000 $7,995,000 241.7% 1.7%
    CROSSCOUNTRY MORTGAGE, LLC $520,000 $7,115,000 1,268.3% 1.6%
    Gouverneur Savings and Loan Association $7,820,000 $5,660,000 -27.6% 1.2%
    USAA Federal Savings Bank $9,775,000 $5,560,000 -43.1% 1.2%
    Wells Fargo Bank $5,125,000 $4,660,000 -9.1% 1.0%
    Genesee Regional Bank $5,005,000 $4,205,000 -16.0% 0.9%
    NORTHMARQ CAPITAL FINANCE, L.L.C. $3,945,000 n/a 0.9%
    Farm Credit East, ACA $2,285,000 $3,455,000 51.2% 0.8%
    LOANDEPOT.COM, LLC $2,590,000 $3,190,000 23.2% 0.7%
    M&T Bank $2,720,000 $2,860,000 5.1% 0.6%
    GREYSTONE SERVICING COMPANY LLC $2,610,000 n/a 0.6%
    TD Bank $300,000 $2,100,000 600.0% 0.5%
    Barrington Bank & Trust Company, N.A. $2,585,000 $1,980,000 -23.4% 0.4%
    Citizens Bank $910,000 $1,870,000 105.5% 0.4%
    UNITED WHOLESALE MORTGAGE, LLC $1,065,000 $1,785,000 67.6% 0.4%
    Mr. Cooper ( Nationstar Mortgage ) $5,815,000 $1,725,000 -70.3% 0.4%
    21ST MORTGAGE CORPORATION $490,000 $1,520,000 210.2% 0.3%
    LENDINGHOME FUNDING CORPORATION $1,520,000 n/a 0.3%
    JPMorgan Chase Bank $2,055,000 $1,480,000 -28.0% 0.3%
    PENTAGON FEDERAL CREDIT UNION $1,630,000 $1,440,000 -11.7% 0.3%
    SEFCU SERVICES, LLC $370,000 $1,415,000 282.4% 0.3%
    Carrington Mortgage Services, LLC $1,305,000 $1,400,000 7.3% 0.3%
    NEWREZ LLC $3,595,000 $1,395,000 -61.2% 0.3%
    The Upstate National Bank $755,000 $1,295,000 71.5% 0.3%
    Premium Mortgage Corporation $1,125,000 $1,165,000 3.6% 0.3%
    LIMA ONE CAPITAL, LLC $875,000 $1,140,000 30.3% 0.2%
    1ST PRIORITY MORTGAGE, INC. $1,635,000 $1,085,000 -33.6% 0.2%
    NBT Bank $1,155,000 $1,025,000 -11.3% 0.2%
    Univest Bank and Trust Co. $925,000 n/a 0.2%
    Morgan Stanley Private Bank $655,000 $880,000 34.4% 0.2%
    FREEDOM MORTGAGE CORPORATION $6,160,000 $865,000 -86.0% 0.2%
    RELIANCE FIRST CAPITAL, LLC $380,000 $850,000 123.7% 0.2%
    NETWORK CAPITAL FUNDING CORPORATION $755,000 n/a 0.2%
    HOME TOWN FUNDING, INC. $420,000 $710,000 69.0% 0.2%
    Northpointe Bank $630,000 n/a 0.1%
    Paramount Bank $735,000 $530,000 -27.9% 0.1%
    Bank of America $4,305,000 $500,000 -88.4% 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $380,000 $490,000 28.9% 0.1%
    LONGBRIDGE FINANCIAL, LLC $490,000 n/a 0.1%
    City National Bank $465,000 n/a 0.1%
    CALIBER HOME LOANS, INC. $885,000 $455,000 -48.6% 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $1,225,000 $410,000 -66.5% 0.1%
    FIRST ALLIANCE HOME MORTGAGE, LLC $400,000 n/a 0.1%
    VISIONS $495,000 $395,000 -20.2% 0.1%
    ROYAL UNITED MORTGAGE LLC $710,000 $390,000 -45.1% 0.1%
    The Federal Savings Bank $2,500,000 $385,000 -84.6% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $25,000 $360,000 1,340.0% 0.1%
    VELOCITY COMMERCIAL CAPITAL, LLC $360,000 n/a 0.1%
    The Lyons National Bank $565,000 $350,000 -38.1% 0.1%
    EMBRACE HOME LOANS, INC. $300,000 n/a 0.1%
    CLIFFCO, INC. $295,000 n/a 0.1%
    First Federal Bank $295,000 n/a 0.1%
    STAR ONE CREDIT UNION $295,000 n/a 0.1%
    PENNYMAC LOAN SERVICES, LLC $285,000 n/a 0.1%
    PNC Bank $25,000 $285,000 1,040.0% 0.1%
    Geddes Federal Savings and Loan Association $670,000 $280,000 -58.2% 0.1%
    HOME POINT FINANCIAL CORPORATION $735,000 $265,000 -63.9% 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $215,000 $260,000 20.9% 0.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $960,000 $260,000 -72.9% 0.1%
    NATIONWIDE MORTGAGE BANKERS, INC. $255,000 n/a 0.1%
    NBH Bank $255,000 n/a 0.1%
    Tompkins Trust Company $245,000 n/a 0.1%
    TOTAL MORTGAGE SERVICES, LLC $230,000 n/a 0.1%
    North American Savings Bank, F.S.B. $795,000 $220,000 -72.3% 0.0%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $195,000 n/a 0.0%
    Ulster Savings Bank $195,000 n/a 0.0%
    Citizens & Northern Bank $185,000 n/a 0.0%
    OSWEGO COUNTY $175,000 n/a 0.0%
    Solvay Bank $175,000 n/a 0.0%
    Adirondack Bank $155,000 n/a 0.0%
    Bank of England $155,000 n/a 0.0%
    Evans Bank $135,000 $155,000 14.8% 0.0%
    NBKC BANK $1,210,000 $155,000 -87.2% 0.0%
    RELIANT COMMUNITY FEDERAL CREDIT UNION $460,000 $155,000 -66.3% 0.0%
    FIRST SOURCE $640,000 $145,000 -77.3% 0.0%
    SILVER HILL FUNDING, LLC $155,000 $145,000 -6.5% 0.0%
    HUNT MORTGAGE CORPORATION $95,000 $135,000 42.1% 0.0%
    Pathfinder Bank $2,135,000 $135,000 -93.7% 0.0%
    Armed Forces Bank $570,000 $125,000 -78.1% 0.0%
    Evolve Bank & Trust $125,000 n/a 0.0%
    GREENWAY MORTGAGE FUNDING CORP. $125,000 n/a 0.0%
    Northwest Federal Credit Union $125,000 n/a 0.0%
    THE SUMMIT Federal Credit Union $590,000 $105,000 -82.2% 0.0%
    United Nations Federal Credit Union $105,000 n/a 0.0%
    A&D Mortgage LLC $85,000 n/a 0.0%
    Citibank $75,000 n/a 0.0%
    THRIVENT Federal Credit Union $75,000 n/a 0.0%
    HUDSON VALLEY CREDIT UNION $65,000 n/a 0.0%
    Manasquan Bank $65,000 n/a 0.0%
    AMERICAN ADVISORS GROUP $195,000 $55,000 -71.8% 0.0%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $410,000 $55,000 -86.6% 0.0%
    Advantage Federal Credit Union $45,000 n/a 0.0%
    AFFINITY $275,000 $45,000 -83.6% 0.0%
    Discover Bank $55,000 $35,000 -36.4% 0.0%
    Home Loan Investment Bank, F.S.B. $15,000 n/a 0.0%

    WATERTOWN - FORT DRUM's top lender by overall market share is AMERICU Credit Union, with 10.3% market share. In second place, with 8.4%, is Watertown Savings Bank, having originated $38,275,000 in loans. In third place, with 8.1%, is MOVEMENT MORTGAGE, LLC, having originated $37,275,000 in loans. In fourth place, with 7.9%, is Carthage Federal Savings and Loan Association, having originated $36,295,000 in loans. In fifth place, with 7.2%, is NORTHERN CREDIT UNION, having originated $33,125,000 in loans.

    WATERTOWN - FORT DRUM Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - WATERTOWN - FORT DRUM (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 $146,625 (1.2%) $217,785 (4.7%) 0.00 711
    2018-02-01 $148,225 (2.5%) $213,583 (2.6%) 0.00 696
    2018-03-01 $149,900 (2.7%) $219,630 (3.8%) 0.00 705
    2018-04-01 $152,400 (1.7%) $221,835 (0.3%) 0.00 722
    2018-05-01 $164,500 (3.5%) $225,294 (0.6%) 0.00 801
    2018-06-01 $168,235 (5.0%) $222,956 (-0.5%) 0.00 929
    2018-07-01 $169,600 (6.0%) $233,524 (2.5%) 0.00 988
    2018-08-01 $168,900 (8.3%) $235,636 (4.3%) 0.00 997
    2018-09-01 $169,900 (9.6%) $241,492 (6.0%) 0.00 988
    2018-10-01 $168,250 (8.6%) $242,059 (5.2%) 0.00 967
    2018-11-01 $165,000 (6.5%) $237,260 (-19.9%) 0.00 885
    2018-12-01 $164,320 (8.5%) $230,764 (2.5%) 0.00 789
    2019-01-01 $163,500 (11.5%) $228,408 (4.9%) 0.00 720
    2019-02-01 $162,900 (9.9%) $230,992 (8.2%) 0.00 691
    2019-03-01 $168,529 (12.4%) $247,876 (12.9%) 0.00 680
    2019-04-01 $179,925 (18.1%) $273,470 (23.3%) 0.00 680
    2019-05-01 $180,625 (9.8%) $267,501 (18.7%) 0.00 740
    2019-06-01 $182,750 (8.6%) $255,479 (14.6%) 0.00 814
    2019-07-01 $184,900 (9.0%) $259,200 (11.0%) 0.00 847
    2019-08-01 $179,973 (6.6%) $254,346 (7.9%) 0.00 826
    2019-09-01 $175,432 (3.3%) $249,605 (3.4%) 0.00 804
    2019-10-01 $172,405 (2.5%) $246,800 (2.0%) 0.00 777
    2019-11-01 $169,000 (2.4%) $239,497 (0.9%) 0.00 718
    2019-12-01 $162,875 (-0.9%) $224,931 (-2.5%) 0.00 664
    2020-01-01 $159,900 (-2.2%) $215,023 (-5.9%) 0.00 589
    2020-02-01 $164,000 (0.7%) $221,770 (-4.0%) 0.00 561
    2020-03-01 $167,450 (-0.6%) $226,349 (-8.7%) 0.00 549
    2020-04-01 $174,950 (-2.8%) $250,641 (-8.4%) 0.00 547
    2020-05-01 $179,000 (-0.9%) $263,664 (-1.4%) 0.00 541
    2020-06-01 $186,950 (2.3%) $271,572 (6.3%) 0.00 540
    2020-07-01 $192,450 (4.1%) $274,801 (6.0%) 0.00 559
    2020-08-01 $189,000 (5.0%) $278,214 (9.4%) 0.00 535
    2020-09-01 $173,975 (-0.8%) $277,923 (11.4%) 0.00 504
    2020-10-01 $169,900 (-1.5%) $279,410 (13.2%) 0.00 471
    2020-11-01 $169,900 (0.5%) $272,921 (14.0%) 0.00 415
    2020-12-01 $168,500 (3.5%) $268,911 (19.6%) 0.00 369
    2021-01-01 $160,000 (0.1%) $234,586 (9.1%) 0.00 299
    2021-02-01 $168,400 (2.7%) $236,036 (6.4%) 0.00 251
    2021-03-01 $172,000 (2.7%) $250,000 (10.5%) 0.00 214
    2021-04-01 $181,675 (3.8%) $267,671 (6.8%) 0.00 206
    2021-05-01 $199,000 (11.2%) $283,268 (7.4%) 0.00 234
    2021-06-01 $192,425 (2.9%) $273,960 (0.9%) 0.00 294
    2021-07-01 $189,900 (-1.3%) $264,882 (-3.6%) 0.00 348
    2021-08-01 $186,000 (-1.6%) $273,483 (-1.7%) 0.00 350
    2021-09-01 $188,975 (8.6%) $277,452 (-0.2%) 0.00 344
    2021-10-01 $174,450 (2.7%) $256,188 (-8.3%) 0.00 304
    2021-11-01 $162,400 (-4.4%) $254,084 (-6.9%) 0.00 254
    2021-12-01 $166,875 (-1.0%) $255,280 (-5.1%) 0.00 222
    2022-01-01 $159,950 (0.0%) $241,237 (2.8%) 0.00 181
    2022-02-01 $165,925 (-1.5%) $232,632 (-1.4%) 0.00 149
    2022-03-01 $170,650 (-0.8%) $241,073 (-3.6%) 0.00 141
    2022-04-01 $171,000 (-5.9%) $265,943 (-0.7%) 0.00 131
    2022-05-01 $203,274 (2.2%) $275,835 (-2.6%) 0.00 177
    2022-06-01 $210,000 (9.1%) $308,300 (12.5%) 0.00 232
    2022-07-01 $199,000 (4.8%) $300,400 (13.4%) 0.00 271
    2022-08-01 $199,000 (7.0%) $306,442 (12.1%) 0.00 286
    2022-09-01 $193,625 (2.5%) $301,151 (8.5%) 0.00 310
    2022-10-01 $198,900 (14.0%) $303,450 (18.5%) 0.00 292
    2022-11-01 $194,830 (20.0%) $302,090 (18.9%) 0.00 274
    2022-12-01 $185,000 (10.9%) $291,566 (14.2%) 0.00 234
    2023-01-01 $177,000 (10.7%) $242,423 (0.5%) 0.00 184
    2023-02-01 $173,700 (4.7%) $249,481 (7.2%) 0.00 155
    WATERTOWN - FORT DRUM's median listing price for 2023-02-01 was $173,700, a difference of $7,775 (4.7%) versus the prior year and $-3,300 versus the prior month.

    WATERTOWN - FORT DRUM's median listing price comes in at 0% of the national average.

    WATERTOWN - FORT DRUM's average listing price for 2023-02-01 was $249,481, a difference of $16,849 (7.2%) versus the prior year and $7,058 versus the prior month.

    For the 2023-02-01 period, WATERTOWN - FORT DRUM had 155 MLS listings, a difference of -29 listings (-16%) versus the prior month and 6 listings (4%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - WATERTOWN - FORT DRUM (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,680 sqft
    2018-02-01 0 days 1,680 sqft
    2018-03-01 0 days 1,680 sqft
    2018-04-01 0 days 1,661 sqft
    2018-05-01 0 days 1,660 sqft
    2018-06-01 0 days 1,632 sqft
    2018-07-01 0 days 1,629 sqft
    2018-08-01 0 days 1,633 sqft
    2018-09-01 0 days 1,635 sqft
    2018-10-01 0 days 1,603 sqft
    2018-11-01 0 days 1,597 sqft
    2018-12-01 0 days 1,606 sqft
    2019-01-01 0 days 1,620 sqft
    2019-02-01 0 days 1,634 sqft
    2019-03-01 0 days 1,682 sqft
    2019-04-01 0 days 1,721 sqft
    2019-05-01 0 days 1,683 sqft
    2019-06-01 0 days 1,680 sqft
    2019-07-01 0 days 1,698 sqft
    2019-08-01 0 days 1,687 sqft
    2019-09-01 0 days 1,674 sqft
    2019-10-01 0 days 1,665 sqft
    2019-11-01 0 days 1,663 sqft
    2019-12-01 0 days 1,649 sqft
    2020-01-01 0 days 1,649 sqft
    2020-02-01 0 days 1,653 sqft
    2020-03-01 0 days 1,656 sqft
    2020-04-01 0 days 1,685 sqft
    2020-05-01 0 days 1,691 sqft
    2020-06-01 0 days 1,673 sqft
    2020-07-01 0 days 1,698 sqft
    2020-08-01 0 days 1,700 sqft
    2020-09-01 0 days 1,694 sqft
    2020-10-01 0 days 1,667 sqft
    2020-11-01 0 days 1,695 sqft
    2020-12-01 0 days 1,688 sqft
    2021-01-01 0 days 1,680 sqft
    2021-02-01 0 days 1,740 sqft
    2021-03-01 0 days 1,697 sqft
    2021-04-01 0 days 1,675 sqft
    2021-05-01 0 days 1,678 sqft
    2021-06-01 0 days 1,658 sqft
    2021-07-01 0 days 1,684 sqft
    2021-08-01 0 days 1,683 sqft
    2021-09-01 0 days 1,686 sqft
    2021-10-01 0 days 1,672 sqft
    2021-11-01 0 days 1,645 sqft
    2021-12-01 0 days 1,648 sqft
    2022-01-01 0 days 1,669 sqft
    2022-02-01 0 days 1,671 sqft
    2022-03-01 0 days 1,687 sqft
    2022-04-01 0 days 1,680 sqft
    2022-05-01 0 days 1,668 sqft
    2022-06-01 0 days 1,680 sqft
    2022-07-01 0 days 1,680 sqft
    2022-08-01 0 days 1,730 sqft
    2022-09-01 0 days 1,717 sqft
    2022-10-01 0 days 1,734 sqft
    2022-11-01 0 days 1,681 sqft
    2022-12-01 0 days 1,652 sqft
    2023-01-01 0 days 1,666 sqft
    2023-02-01 0 days 1,739 sqft
    WATERTOWN - FORT DRUM's median listing age (time on market) for 2023-02-01 was 0 days.

    WATERTOWN - FORT DRUM's median square footage for active listings during the 2023-02-01 period was 1,739 sqft. One year prior, the average listing was 1,671 sqft.

    WATERTOWN-FORT DRUM, NY Average Rent (2023)

    Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

    For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
    Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
    13083 Watertown-Fort Drum, NY $630 $720 $950 $1,260 $1,450
    13145 Watertown-Fort Drum, NY $660 $740 $950 $1,260 $1,450
    13601 Watertown-Fort Drum, NY $750 $860 $1,130 $1,520 $1,780
    13602 Watertown-Fort Drum, NY $1,180 $1,350 $1,770 $2,370 $2,790
    13603 Watertown-Fort Drum, NY $1,050 $1,200 $1,580 $2,120 $2,490
    13605 Watertown-Fort Drum, NY $630 $720 $950 $1,270 $1,500
    13606 Watertown-Fort Drum, NY $800 $910 $1,200 $1,610 $1,890
    13607 Watertown-Fort Drum, NY $630 $720 $950 $1,260 $1,450
    13608 Watertown-Fort Drum, NY $630 $720 $950 $1,260 $1,450
    13611 Watertown-Fort Drum, NY $780 $900 $1,180 $1,580 $1,860
    13612 Watertown-Fort Drum, NY $700 $800 $1,050 $1,410 $1,650
    13615 Watertown-Fort Drum, NY $630 $720 $950 $1,260 $1,450
    13616 Watertown-Fort Drum, NY $850 $970 $1,280 $1,720 $2,020
    13618 Watertown-Fort Drum, NY $630 $720 $950 $1,260 $1,450
    13619 Watertown-Fort Drum, NY $680 $780 $1,020 $1,370 $1,610
    13622 Watertown-Fort Drum, NY $840 $960 $1,260 $1,690 $1,990
    13624 Watertown-Fort Drum, NY $730 $840 $1,100 $1,480 $1,730
    13626 Watertown-Fort Drum, NY $720 $830 $1,090 $1,460 $1,720
    13628 Watertown-Fort Drum, NY $810 $930 $1,220 $1,640 $1,920
    13631 Watertown-Fort Drum, NY $780 $900 $1,180 $1,580 $1,860
    13632 Watertown-Fort Drum, NY $780 $900 $1,180 $1,580 $1,860
    13634 Watertown-Fort Drum, NY $630 $720 $950 $1,260 $1,450
    13636 Watertown-Fort Drum, NY $660 $760 $1,000 $1,340 $1,580
    13637 Watertown-Fort Drum, NY $900 $1,030 $1,350 $1,810 $2,130
    13638 Watertown-Fort Drum, NY $910 $1,040 $1,370 $1,840 $2,160
    13640 Watertown-Fort Drum, NY $630 $720 $950 $1,260 $1,450
    13641 Watertown-Fort Drum, NY $670 $760 $1,000 $1,350 $1,580
    13642 Watertown-Fort Drum, NY $630 $720 $950 $1,260 $1,450
    13643 Watertown-Fort Drum, NY $680 $780 $1,020 $1,370 $1,610
    13646 Watertown-Fort Drum, NY $780 $900 $1,180 $1,580 $1,860
    13650 Watertown-Fort Drum, NY $670 $770 $1,010 $1,350 $1,590
    13651 Watertown-Fort Drum, NY $650 $740 $980 $1,300 $1,540
    13656 Watertown-Fort Drum, NY $740 $840 $1,110 $1,490 $1,750
    13659 Watertown-Fort Drum, NY $630 $720 $950 $1,260 $1,450
    13661 Watertown-Fort Drum, NY $660 $750 $990 $1,330 $1,560
    13665 Watertown-Fort Drum, NY $630 $720 $950 $1,260 $1,450
    13671 Watertown-Fort Drum, NY $780 $900 $1,180 $1,580 $1,860
    13673 Watertown-Fort Drum, NY $630 $720 $950 $1,260 $1,450
    13674 Watertown-Fort Drum, NY $640 $730 $970 $1,290 $1,520
    13675 Watertown-Fort Drum, NY $720 $830 $1,090 $1,460 $1,720
    13679 Watertown-Fort Drum, NY $700 $800 $1,050 $1,410 $1,650
    13682 Watertown-Fort Drum, NY $1,180 $1,350 $1,770 $2,370 $2,790
    13685 Watertown-Fort Drum, NY $890 $1,020 $1,340 $1,800 $2,110
    13691 Watertown-Fort Drum, NY $740 $850 $1,120 $1,500 $1,760
    13692 Watertown-Fort Drum, NY $780 $900 $1,180 $1,580 $1,860
    13693 Watertown-Fort Drum, NY $890 $1,020 $1,350 $1,750 $2,000

    2022 Average & Median Rent Data Statistics
    WATERTOWN-FORT DRUM, NY average 1BR rent: $854, median: $815
    WATERTOWN-FORT DRUM, NY average 2BR rent: $1,123, median: $1,070
    WATERTOWN-FORT DRUM, NY average 3BR rent: $1,500, median: $1,435

    WATERTOWN-FORT DRUM, NY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 1,516 $313,420,000 $206,741
    Refi 277 $45,965,000 $165,939
    Home Improvement 274 $18,570,000 $67,774
    Other 238 $18,720,000 $78,655
    Cash Out Refi 235 $61,515,000 $261,766

    Watertown - Fort Drum's most frequently cited loan purpose was Home Purchase, with 1,516 originations. The 2nd most popular reason was Refi, with 277 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    4-5% 594 $129,350,000 $217,761
    5-6% 575 $101,525,000 $176,565
    3-4% 563 $103,555,000 $183,934
    6-7% 225 $36,855,000 $163,800
    2.5-3% 168 $24,200,000 $144,048
    <2.5% 96 $12,740,000 $132,708
    7-8% 78 $8,620,000 $110,513
    Over 8% 46 $4,630,000 $100,652

    During 2022, Watertown - Fort Drum's most frequently originated rate bucket was 4-5%, with 594 originations.

    Loan Sizing (WATERTOWN-FORT DRUM, NY MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 1,060 $157,060,000 $148,170
    $100,000 or less 742 $42,440,000 $57,197
    $200k-400k 646 $171,700,000 $265,789
    $400k-600k 64 $30,260,000 $472,813
    $Over $1MM 15 $47,775,000 $3,185,000
    $600k-1000k 13 $8,955,000 $688,846

    WATERTOWN - FORT DRUM's loan sizing saw the bucket of loans from $100k-200k with 1,060 originations, totaling $157,060,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 1,004 $200,500,000 $199,701
    60-80% 520 $111,510,000 $214,442
    20-40% 259 $18,875,000 $72,876
    Under 20% 200 $8,400,000 $42,000
    40-60% 198 $43,380,000 $219,091
    Over 100% 154 $37,570,000 $243,961

    WATERTOWN - FORT DRUM's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,004 originations, totaling $200,500,000 in origination value.