WATERTOWN - FORT DRUM Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Watertown - Fort Drum averaged 6.57% for the week of 2025-03-13, compared to the national average of 6.65% for the same period.

    The average rate for the prior week (2025-03-06) was 6.35% and one month ago for the week of 2025-02-06, the average rate was 6.81%.

    Watertown - Fort Drum's average rate one year ago was 6.8%.

    For refis of the same type during the week of 2025-03-13, the average rate was 7.25%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-03-13 6.65%
    Watertown - Fort Drum 30 Year Fixed Rate 2025-03-13 6.57%
    Watertown - Fort Drum 30 Year Fixed Rate Refi 2025-03-13 7.25%
    Watertown - Fort Drum 15 Year Fixed Rate 2025-03-13 5.6%
    Watertown - Fort Drum 15 Year Fixed Rate Refi 2025-03-13 6%
    Watertown - Fort Drum 30 Year FHA 2025-03-13 6.35%
    Watertown - Fort Drum 30 Year FHA Refi 2025-03-13 6.25%
    Watertown - Fort Drum 30 Year USDA 2025-03-13 6.3%
    Watertown - Fort Drum 30 Year USDA Refi 2025-03-13 6.3%
    Watertown - Fort Drum 30 Year VA 2025-03-13 6.34%
    Watertown - Fort Drum 30 Year VA Refi 2025-03-13 6.17%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Watertown Savings Bank 73 6.13% $2,641
    Community Bank 57 6.87% $696
    MOVEMENT MORTGAGE, LLC 37 6.73% $5,959
    NORTHERN CREDIT UNION 36 6.55% $4,409
    AMERICU Credit Union 24 5.60% $4,821
    HOMESTEAD FUNDING CORP. 21 6.45% $4,387
    QUICKEN LOANS, LLC 18 7.03% $7,766
    Genesee Regional Bank 15 6.61% $4,595
    Gouverneur Savings and Loan Association 13 6.02% $1,307
    KeyBank 9 6.58% $4,741
    CROSSCOUNTRY MORTGAGE, LLC 6 7.06% $5,329
    JPMorgan Chase Bank 5 6.92% $5,214
    SEFCU SERVICES, LLC 5 5.50% $3,667
    Farm Credit East, ACA 3 7.57% $7,159
    M&T Bank 3 6.71% $5,456
    USAA Federal Savings Bank 3 6.67% $4,448
    Empower Federal Credit Union 3 6.21% $2,747
    PLAZA HOME MORTGAGE, INC. 3 6.16% $8,243
    PENNYMAC LOAN SERVICES, LLC 3 6.08% $7,403
    Mortgage Research Center, LLC 2 6.75% $2,060
    HUNT MORTGAGE CORPORATION 2 6.63% $6,806
    Wells Fargo Bank 2 5.94% $4,269
    Bank of America 2 7.63% $5,319
    CMG MORTGAGE, INC. 2 7.24% $7,500
    THE SUMMIT Federal Credit Union 1 5.75% $2,610
    Ally Bank 1 5.00% $18,101
    Barrington Bank & Trust Company, N.A. 1 7.63% $8,044
    BETTER MORTGAGE CORPORATION 1 6.63% $7,561
    CFCU Community Credit Union 1 6.13% $0
    CONTOUR MORTGAGE CORPORATION 1 7.50% $8,557
    EASTMAN 1 6.50% $6,604
    First-Citizens Bank & Trust Company 1 5.50% $11,216
    HOME TOWN FUNDING, INC. 1 7.75% $4,000
    LOANDEPOT.COM, LLC 1 7.25% $11,254
    NBT Bank 1 6.50% $2,764
    PARAGON HOME LOANS INC. 1 6.75% $4,819
    PNC Bank 1 5.63% $3,672
    PREMIA MORTGAGE, LLC 1 6.13% $60
    Premium Mortgage Corporation 1 6.63% $7,694
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.63% $8,232
    RELIANCE FIRST CAPITAL, LLC 1 7.50% $6,545
    ROYAL UNITED MORTGAGE LLC 1 7.63% $10,713
    Adirondack Bank 1 6.38% $5,179
    UBS Bank USA 1 7.13% $7,362
    UNITED WHOLESALE MORTGAGE, LLC 1 6.50% $5,090

    WATERTOWN - FORT DRUM Average Closing Costs & Other Stats

    WATERTOWN-FORT DRUM, NY's 45 lenders originated 1,823 loans during 2023. The total origination value was $363,215,000, with an average loan value of $199,240.

    WATERTOWN - FORT DRUM's average closing costs are $4,735.

    The top WATERTOWN - FORT DRUM lender as defined by loan originations is Watertown Savings Bank, with 73 loans originated. Their average total fees are $2,641, which is $1,945 higher than the next largest lender, Community Bank.

    The lowest fee WATERTOWN - FORT DRUM lenders (with over 10 loans originated) are Community Bank ($696), Gouverneur Savings and Loan Association ($1,307), Watertown Savings Bank ($2,641), HOMESTEAD FUNDING CORP. ($4,387) and NORTHERN CREDIT UNION ($4,409).

    The lowest rate WATERTOWN - FORT DRUM lenders (with over 10 loans originated) are AMERICU Credit Union (5.60%), Gouverneur Savings and Loan Association (6.02%), Watertown Savings Bank (6.13%), HOMESTEAD FUNDING CORP. (6.45%) and NORTHERN CREDIT UNION (6.55%).

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    FIRST TECHNOLOGY $51,505,000 n/a 14.2%
    MOVEMENT MORTGAGE, LLC $37,275,000 $40,685,000 9.1% 11.2%
    Community Bank $27,990,000 $39,420,000 40.8% 10.9%
    Watertown Savings Bank $38,275,000 $28,905,000 -24.5% 8.0%
    NORTHERN CREDIT UNION $33,125,000 $21,185,000 -36.0% 5.8%
    AMERICU Credit Union $47,025,000 $20,145,000 -57.2% 5.5%
    Mortgage Research Center, LLC $21,885,000 $19,775,000 -9.6% 5.4%
    HOMESTEAD FUNDING CORP. $21,120,000 $18,765,000 -11.2% 5.2%
    Carthage Federal Savings and Loan Association $36,295,000 $15,475,000 -57.4% 4.3%
    QUICKEN LOANS, LLC $19,940,000 $13,095,000 -34.3% 3.6%
    PLAZA HOME MORTGAGE, INC. $13,915,000 $10,560,000 -24.1% 2.9%
    NAVY FEDERAL CREDIT UNION $13,090,000 $9,740,000 -25.6% 2.7%
    CROSSCOUNTRY MORTGAGE, LLC $7,115,000 $7,405,000 4.1% 2.0%
    Gouverneur Savings and Loan Association $5,660,000 $6,935,000 22.5% 1.9%
    Genesee Regional Bank $4,205,000 $5,735,000 36.4% 1.6%
    USAA Federal Savings Bank $5,560,000 $3,665,000 -34.1% 1.0%
    KeyBank $10,465,000 $3,560,000 -66.0% 1.0%
    UNITED WHOLESALE MORTGAGE, LLC $1,785,000 $2,705,000 51.5% 0.7%
    First-Citizens Bank & Trust Company $1,995,000 n/a 0.5%
    LOANDEPOT.COM, LLC $3,190,000 $1,935,000 -39.3% 0.5%
    GUARANTEED RATE, INC. $20,835,000 $1,910,000 -90.8% 0.5%
    Empower Federal Credit Union $7,995,000 $1,820,000 -77.2% 0.5%
    NEWREZ LLC $1,395,000 $1,545,000 10.8% 0.4%
    SEFCU SERVICES, LLC $1,415,000 $1,450,000 2.5% 0.4%
    Farm Credit East, ACA $3,455,000 $1,385,000 -59.9% 0.4%
    M&T Bank $2,860,000 $1,310,000 -54.2% 0.4%
    Wells Fargo Bank $4,660,000 $1,220,000 -73.8% 0.3%
    PENNYMAC LOAN SERVICES, LLC $285,000 $1,115,000 291.2% 0.3%
    HOME TOWN FUNDING, INC. $710,000 $1,005,000 41.5% 0.3%
    NBKC BANK $155,000 $1,005,000 548.4% 0.3%
    PNC Bank $285,000 $985,000 245.6% 0.3%
    FREEDOM MORTGAGE CORPORATION $865,000 $965,000 11.6% 0.3%
    JPMorgan Chase Bank $1,480,000 $940,000 -36.5% 0.3%
    PENTAGON FEDERAL CREDIT UNION $1,440,000 $930,000 -35.4% 0.3%
    NBT Bank $1,025,000 $910,000 -11.2% 0.3%
    CMG MORTGAGE, INC. $865,000 n/a 0.2%
    The Upstate National Bank $1,295,000 $855,000 -34.0% 0.2%
    Mr. Cooper ( Nationstar Mortgage ) $1,725,000 $835,000 -51.6% 0.2%
    21ST MORTGAGE CORPORATION $1,520,000 $820,000 -46.1% 0.2%
    Wilmington Savings Fund Society, FSB $805,000 n/a 0.2%
    HUNT MORTGAGE CORPORATION $135,000 $795,000 488.9% 0.2%
    LENDINGHOME FUNDING CORPORATION $1,520,000 $755,000 -50.3% 0.2%
    CARDINAL FINANCIAL $55,000 $705,000 1,181.8% 0.2%
    PREMIA MORTGAGE, LLC $705,000 n/a 0.2%
    UBS Bank USA $705,000 n/a 0.2%
    Barrington Bank & Trust Company, N.A. $1,980,000 $590,000 -70.2% 0.2%
    The Federal Savings Bank $385,000 $585,000 51.9% 0.2%
    EASTMAN $580,000 n/a 0.2%
    CONTOUR MORTGAGE CORPORATION $550,000 n/a 0.2%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $410,000 $510,000 24.4% 0.1%
    Flagstar Bank, FSB $12,695,000 $495,000 -96.1% 0.1%
    THE SUMMIT Federal Credit Union $105,000 $495,000 371.4% 0.1%
    PARAGON HOME LOANS INC. $480,000 n/a 0.1%
    Ukrainian Selfreliance Federal Credit Union $465,000 n/a 0.1%
    Bank of America $500,000 $445,000 -11.0% 0.1%
    A&D Mortgage LLC $85,000 $420,000 394.1% 0.1%
    Pathfinder Bank $135,000 $405,000 200.0% 0.1%
    Carrington Mortgage Services, LLC $1,400,000 $385,000 -72.5% 0.1%
    Adirondack Bank $155,000 $370,000 138.7% 0.1%
    Premium Mortgage Corporation $1,165,000 $365,000 -68.7% 0.1%
    LIMA ONE CAPITAL, LLC $1,140,000 $355,000 -68.9% 0.1%
    Ally Bank $345,000 n/a 0.1%
    Solvay Bank $175,000 $335,000 91.4% 0.1%
    Citizens Bank $1,870,000 $315,000 -83.2% 0.1%
    NJ LENDERS CORP. $315,000 n/a 0.1%
    1ST PRIORITY MORTGAGE, INC. $1,085,000 $310,000 -71.4% 0.1%
    ALLIED MORTGAGE GROUP, INC. $305,000 n/a 0.1%
    RELIANCE FIRST CAPITAL, LLC $850,000 $290,000 -65.9% 0.1%
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. $245,000 n/a 0.1%
    RELIANT COMMUNITY FEDERAL CREDIT UNION $155,000 $235,000 51.6% 0.1%
    U.S. Bank $230,000 n/a 0.1%
    BETTER MORTGAGE CORPORATION $225,000 n/a 0.1%
    CFCU Community Credit Union $205,000 n/a 0.1%
    TRIAD FINANCIAL SERVICES, INC. $360,000 $200,000 -44.4% 0.1%
    Citizens & Northern Bank $185,000 $185,000 0.0% 0.1%
    INB $185,000 n/a 0.1%
    North American Savings Bank, F.S.B. $220,000 $155,000 -29.5% 0.0%
    PHH Mortgage Corporation $155,000 n/a 0.0%
    ROYAL UNITED MORTGAGE LLC $390,000 $155,000 -60.3% 0.0%
    Community First National Bank $145,000 n/a 0.0%
    FINANCE OF AMERICA REVERSE LLC $105,000 n/a 0.0%
    Tompkins Trust Company $245,000 $105,000 -57.1% 0.0%
    VISIONS $395,000 $105,000 -73.4% 0.0%
    Plains Commerce Bank $95,000 n/a 0.0%
    The Huntington National Bank $95,000 n/a 0.0%
    FIRST SOURCE $145,000 $75,000 -48.3% 0.0%
    Discover Bank $35,000 $65,000 85.7% 0.0%
    Signature Federal Credit Union $65,000 n/a 0.0%
    STATE EMPLOYEES FEDERAL CREDIT UNION $60,000 n/a 0.0%
    Nicolet National Bank $55,000 n/a 0.0%
    Northwest Federal Credit Union $125,000 $55,000 -56.0% 0.0%
    THRIVENT Federal Credit Union $75,000 $35,000 -53.3% 0.0%

    WATERTOWN - FORT DRUM's top lender by overall market share is FIRST TECHNOLOGY, with 14.2% market share. In second place, with 11.2%, is MOVEMENT MORTGAGE, LLC, having originated $40,685,000 in loans. In third place, with 10.9%, is Community Bank, having originated $39,420,000 in loans. In fourth place, with 8.0%, is Watertown Savings Bank, having originated $28,905,000 in loans. In fifth place, with 5.8%, is NORTHERN CREDIT UNION, having originated $21,185,000 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 $146,500 (1.1%) $217,726 (4.5%) 0.00 710
    2018-02-01 $147,850 (2.0%) $213,542 (2.5%) 0.00 693
    2018-03-01 $149,900 (2.7%) $219,895 (3.9%) 0.00 701
    2018-04-01 $152,400 (1.7%) $222,225 (0.5%) 0.00 718
    2018-05-01 $163,825 (3.0%) $225,516 (0.7%) 0.00 799
    2018-06-01 $168,235 (5.0%) $223,015 (-0.4%) 0.00 927
    2018-07-01 $169,800 (6.2%) $233,747 (2.7%) 0.00 987
    2018-08-01 $168,900 (8.3%) $235,883 (4.4%) 0.00 995
    2018-09-01 $169,900 (9.6%) $241,448 (6.0%) 0.00 985
    2018-10-01 $168,350 (8.7%) $242,016 (5.2%) 0.00 964
    2018-11-01 $165,000 (6.5%) $237,195 (-20.0%) 0.00 882
    2018-12-01 $164,640 (8.7%) $230,495 (2.4%) 0.00 787
    2019-01-01 $163,500 (11.6%) $228,073 (4.8%) 0.00 718
    2019-02-01 $162,900 (10.2%) $230,658 (8.0%) 0.00 689
    2019-03-01 $168,529 (12.4%) $247,723 (12.7%) 0.00 677
    2019-04-01 $179,950 (18.1%) $273,574 (23.1%) 0.00 676
    2019-05-01 $181,250 (10.6%) $267,567 (18.7%) 0.00 737
    2019-06-01 $183,000 (8.8%) $255,261 (14.5%) 0.00 813
    2019-07-01 $184,900 (8.9%) $259,331 (11.0%) 0.00 846
    2019-08-01 $180,336 (6.8%) $254,500 (7.9%) 0.00 825
    2019-09-01 $175,591 (3.4%) $249,794 (3.5%) 0.00 802
    2019-10-01 $172,427 (2.4%) $247,017 (2.1%) 0.00 775
    2019-11-01 $169,000 (2.4%) $239,711 (1.1%) 0.00 716
    2019-12-01 $162,875 (-1.1%) $225,119 (-2.3%) 0.00 662
    2020-01-01 $159,900 (-2.2%) $215,208 (-5.6%) 0.00 587
    2020-02-01 $164,000 (0.7%) $221,996 (-3.8%) 0.00 559
    2020-03-01 $167,450 (-0.6%) $226,513 (-8.6%) 0.00 547
    2020-04-01 $175,700 (-2.4%) $250,879 (-8.3%) 0.00 546
    2020-05-01 $179,000 (-1.2%) $263,821 (-1.4%) 0.00 540
    2020-06-01 $186,950 (2.2%) $271,657 (6.4%) 0.00 539
    2020-07-01 $192,450 (4.1%) $274,801 (6.0%) 0.00 559
    2020-08-01 $189,000 (4.8%) $277,807 (9.2%) 0.00 535
    2020-09-01 $173,500 (-1.2%) $277,271 (11.0%) 0.00 501
    2020-10-01 $169,900 (-1.5%) $278,761 (12.9%) 0.00 468
    2020-11-01 $169,900 (0.5%) $272,295 (13.6%) 0.00 413
    2020-12-01 $168,500 (3.5%) $268,140 (19.1%) 0.00 367
    2021-01-01 $160,000 (0.1%) $233,408 (8.5%) 0.00 297
    2021-02-01 $167,950 (2.4%) $234,778 (5.8%) 0.00 248
    2021-03-01 $172,000 (2.7%) $250,539 (10.6%) 0.00 212
    2021-04-01 $182,925 (4.1%) $268,210 (6.9%) 0.00 205
    2021-05-01 $199,000 (11.2%) $283,846 (7.6%) 0.00 233
    2021-06-01 $192,425 (2.9%) $274,267 (1.0%) 0.00 294
    2021-07-01 $189,900 (-1.3%) $264,882 (-3.6%) 0.00 347
    2021-08-01 $186,000 (-1.6%) $273,483 (-1.6%) 0.00 350
    2021-09-01 $188,975 (8.9%) $277,452 (0.1%) 0.00 344
    2021-10-01 $174,450 (2.7%) $256,188 (-8.1%) 0.00 304
    2021-11-01 $162,400 (-4.4%) $254,084 (-6.7%) 0.00 254
    2021-12-01 $166,875 (-1.0%) $255,280 (-4.8%) 0.00 222
    2022-01-01 $159,950 (0.0%) $241,237 (3.4%) 0.00 181
    2022-02-01 $165,925 (-1.2%) $232,632 (-0.9%) 0.00 149
    2022-03-01 $170,650 (-0.8%) $241,073 (-3.8%) 0.00 141
    2022-04-01 $171,000 (-6.5%) $265,943 (-0.9%) 0.00 131
    2022-05-01 $203,274 (2.2%) $275,835 (-2.8%) 0.00 177
    2022-06-01 $210,000 (9.1%) $308,300 (12.4%) 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
    2023-03-01 $179,800 (5.4%) $247,515 (2.7%) 0.00 139
    2023-04-01 $197,000 (15.2%) $314,598 (18.3%) 0.00 153
    2023-05-01 $217,450 (7.0%) $333,852 (21.0%) 0.00 167
    2023-06-01 $252,475 (20.2%) $362,904 (17.7%) 0.00 184
    2023-07-01 $249,450 (25.4%) $382,300 (27.3%) 0.00 187
    2023-08-01 $247,300 (24.3%) $385,042 (25.7%) 0.00 210
    2023-09-01 $245,000 (26.5%) $354,466 (17.7%) 0.00 231
    2023-10-01 $241,500 (21.4%) $351,910 (16.0%) 0.00 245
    2023-11-01 $224,475 (15.2%) $336,547 (11.4%) 0.00 243
    2023-12-01 $220,000 (18.9%) $331,943 (13.9%) 0.00 206
    2024-01-01 $229,500 (29.7%) $341,400 (40.8%) 0.00 188
    2024-02-01 $225,450 (29.8%) $343,015 (37.5%) 0.00 183
    2024-03-01 $235,000 (30.7%) $356,652 (44.1%) 0.00 190
    2024-04-01 $249,175 (26.5%) $367,536 (16.8%) 0.00 215
    2024-05-01 $265,000 (21.9%) $378,244 (13.3%) 0.00 244
    2024-06-01 $269,900 (6.9%) $373,341 (2.9%) 0.00 249
    2024-07-01 $264,500 (6.0%) $378,295 (-1.1%) 0.00 275
    2024-08-01 $255,000 (3.1%) $353,149 (-8.3%) 0.00 307
    2024-09-01 $257,450 (5.1%) $359,058 (1.3%) 0.00 320
    2024-10-01 $254,950 (5.6%) $356,408 (1.3%) 0.00 315
    2024-11-01 $252,000 (12.3%) $347,220 (3.2%) 0.00 314
    2024-12-01 $249,900 (13.6%) $336,285 (1.3%) 0.00 291
    2025-01-01 $244,900 (6.7%) $315,080 (-7.7%) 0.00 271
    2025-02-01 $249,250 (10.6%) $316,883 (-7.6%) 0.00 271
    WATERTOWN - FORT DRUM's median listing price for 2025-02-01 was $249,250, a difference of $23,800 (10.6%) versus the prior year and $4,350 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 2025-02-01 was $316,883, a difference of $-26,132 (-7.6%) versus the prior year and $1,803 versus the prior month.

    For the 2025-02-01 period, WATERTOWN - FORT DRUM had 271 MLS listings, a difference of 0 listings (0%) versus the prior month and 88 listings (48%) 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 1,629 sqft
    2018-07-01 0 days 1,626 sqft
    2018-08-01 0 days 1,633 sqft
    2018-09-01 0 days 1,636 sqft
    2018-10-01 0 days 1,603 sqft
    2018-11-01 0 days 1,598 sqft
    2018-12-01 0 days 1,607 sqft
    2019-01-01 0 days 1,620 sqft
    2019-02-01 0 days 1,634 sqft
    2019-03-01 0 days 1,684 sqft
    2019-04-01 0 days 1,724 sqft
    2019-05-01 0 days 1,687 sqft
    2019-06-01 0 days 1,680 sqft
    2019-07-01 0 days 1,701 sqft
    2019-08-01 0 days 1,689 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 1,646 sqft
    2020-02-01 0 days 1,653 sqft
    2020-03-01 0 days 1,656 sqft
    2020-04-01 0 days 1,684 sqft
    2020-05-01 0 days 1,689 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 1,695 sqft
    2020-10-01 0 days 1,666 sqft
    2020-11-01 0 days 1,695 sqft
    2020-12-01 0 days 1,687 sqft
    2021-01-01 0 days 1,678 sqft
    2021-02-01 0 days 1,744 sqft
    2021-03-01 0 days 1,699 sqft
    2021-04-01 0 days 1,674 sqft
    2021-05-01 0 days 1,676 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 1,648 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
    2023-03-01 0 days 1,675 sqft
    2023-04-01 0 days 1,759 sqft
    2023-05-01 0 days 1,688 sqft
    2023-06-01 0 days 1,801 sqft
    2023-07-01 0 days 1,785 sqft
    2023-08-01 0 days 1,747 sqft
    2023-09-01 0 days 1,704 sqft
    2023-10-01 0 days 1,786 sqft
    2023-11-01 0 days 1,711 sqft
    2023-12-01 0 days 1,700 sqft
    2024-01-01 0 days 1,784 sqft
    2024-02-01 0 days 1,708 sqft
    2024-03-01 0 days 1,706 sqft
    2024-04-01 0 days 1,741 sqft
    2024-05-01 0 days 1,722 sqft
    2024-06-01 0 days 1,737 sqft
    2024-07-01 0 days 1,762 sqft
    2024-08-01 0 days 1,734 sqft
    2024-09-01 0 days 1,705 sqft
    2024-10-01 0 days 1,705 sqft
    2024-11-01 0 days 1,705 sqft
    2024-12-01 0 days 1,721 sqft
    2025-01-01 0 days 1,698 sqft
    2025-02-01 0 days 1,657 sqft
    WATERTOWN - FORT DRUM's median listing age (time on market) for 2025-02-01 was 0 days.

    WATERTOWN - FORT DRUM's median square footage for active listings during the 2025-02-01 period was 1,657 sqft. One year prior, the average listing was 1,708 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 MSA $710 $810 $1,070 $1,430 $1,680
    13145 Watertown-Fort Drum, NY MSA $730 $820 $1,070 $1,430 $1,680
    13601 Watertown-Fort Drum, NY MSA $800 $900 $1,190 $1,610 $1,900
    13602 Watertown-Fort Drum, NY MSA $1,220 $1,390 $1,830 $2,470 $2,920
    13603 Watertown-Fort Drum, NY MSA $1,070 $1,220 $1,600 $2,160 $2,560
    13605 Watertown-Fort Drum, NY MSA $710 $810 $1,070 $1,430 $1,680
    13606 Watertown-Fort Drum, NY MSA $760 $870 $1,140 $1,540 $1,820
    13607 Watertown-Fort Drum, NY MSA $710 $810 $1,070 $1,430 $1,680
    13608 Watertown-Fort Drum, NY MSA $710 $810 $1,070 $1,430 $1,680
    13611 Watertown-Fort Drum, NY MSA $820 $930 $1,220 $1,650 $1,950
    13612 Watertown-Fort Drum, NY MSA $710 $810 $1,070 $1,430 $1,680
    13615 Watertown-Fort Drum, NY MSA $710 $810 $1,070 $1,430 $1,680
    13616 Watertown-Fort Drum, NY MSA $840 $960 $1,260 $1,700 $2,010
    13618 Watertown-Fort Drum, NY MSA $710 $810 $1,070 $1,430 $1,680
    13619 Watertown-Fort Drum, NY MSA $710 $810 $1,070 $1,430 $1,680
    13622 Watertown-Fort Drum, NY MSA $820 $930 $1,220 $1,650 $1,950
    13624 Watertown-Fort Drum, NY MSA $720 $810 $1,070 $1,450 $1,710
    13626 Watertown-Fort Drum, NY MSA $730 $830 $1,090 $1,470 $1,740
    13628 Watertown-Fort Drum, NY MSA $860 $970 $1,280 $1,730 $2,040
    13631 Watertown-Fort Drum, NY MSA $820 $930 $1,220 $1,650 $1,950
    13632 Watertown-Fort Drum, NY MSA $820 $930 $1,220 $1,650 $1,950
    13634 Watertown-Fort Drum, NY MSA $710 $810 $1,070 $1,430 $1,680
    13636 Watertown-Fort Drum, NY MSA $710 $810 $1,070 $1,430 $1,680
    13637 Watertown-Fort Drum, NY MSA $930 $1,060 $1,390 $1,880 $2,220
    13638 Watertown-Fort Drum, NY MSA $820 $940 $1,240 $1,660 $1,950
    13640 Watertown-Fort Drum, NY MSA $710 $810 $1,070 $1,430 $1,680
    13641 Watertown-Fort Drum, NY MSA $710 $810 $1,070 $1,430 $1,680
    13642 Watertown-Fort Drum, NY MSA $710 $810 $1,070 $1,430 $1,680
    13643 Watertown-Fort Drum, NY MSA $710 $810 $1,070 $1,430 $1,680
    13646 Watertown-Fort Drum, NY MSA $820 $930 $1,220 $1,650 $1,950
    13650 Watertown-Fort Drum, NY MSA $710 $810 $1,070 $1,430 $1,680
    13651 Watertown-Fort Drum, NY MSA $710 $810 $1,070 $1,430 $1,680
    13656 Watertown-Fort Drum, NY MSA $710 $810 $1,070 $1,430 $1,680
    13659 Watertown-Fort Drum, NY MSA $710 $810 $1,070 $1,430 $1,680
    13661 Watertown-Fort Drum, NY MSA $710 $810 $1,070 $1,430 $1,680
    13665 Watertown-Fort Drum, NY MSA $710 $810 $1,070 $1,430 $1,680
    13671 Watertown-Fort Drum, NY MSA $820 $930 $1,220 $1,650 $1,950
    13673 Watertown-Fort Drum, NY MSA $710 $810 $1,070 $1,430 $1,680
    13674 Watertown-Fort Drum, NY MSA $710 $810 $1,070 $1,430 $1,680
    13675 Watertown-Fort Drum, NY MSA $740 $840 $1,100 $1,490 $1,760
    13679 Watertown-Fort Drum, NY MSA $760 $860 $1,130 $1,530 $1,810
    13682 Watertown-Fort Drum, NY MSA $1,070 $1,220 $1,600 $2,140 $2,520
    13685 Watertown-Fort Drum, NY MSA $960 $1,090 $1,430 $1,930 $2,280
    13691 Watertown-Fort Drum, NY MSA $750 $850 $1,120 $1,510 $1,790
    13692 Watertown-Fort Drum, NY MSA $820 $930 $1,220 $1,650 $1,950
    13693 Watertown-Fort Drum, NY MSA $810 $920 $1,220 $1,580 $1,800

    2022 Average & Median Rent Data Statistics
    WATERTOWN-FORT DRUM, NY average 1BR rent: $889, median: $815
    WATERTOWN-FORT DRUM, NY average 2BR rent: $1,170, median: $1,070
    WATERTOWN-FORT DRUM, NY average 3BR rent: $1,572, median: $1,440

    WATERTOWN-FORT DRUM, NY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 1,106 $285,500,000 $258,137
    Home Improvement 258 $15,390,000 $59,651
    Other 202 $14,500,000 $71,782
    Refi 140 $29,490,000 $210,643
    Cash Out Refi 117 $18,335,000 $156,709

    Watertown - Fort Drum's most frequently cited loan purpose was Home Purchase, with 1,106 originations. The 2nd most popular reason was Home Improvement, with 258 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 705 $138,995,000 $197,156
    5-6% 391 $73,225,000 $187,276
    7-8% 332 $103,610,000 $312,078
    Over 8% 145 $11,725,000 $80,862
    3-4% 56 $3,910,000 $69,821
    <2.5% 40 $4,930,000 $123,250
    4-5% 32 $9,810,000 $306,563
    2.5-3% 1 $135,000 $135,000

    During 2023, Watertown - Fort Drum's most frequently originated rate bucket was 6-7%, with 705 originations.

    Loan Sizing (WATERTOWN-FORT DRUM, NY MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 649 $34,665,000 $53,413
    $100k-200k 608 $90,730,000 $149,227
    $200k-400k 500 $134,670,000 $269,340
    $400k-600k 48 $21,940,000 $457,083
    $600k-1000k 13 $9,785,000 $752,692
    $Over $1MM 5 $71,425,000 $14,285,000

    WATERTOWN - FORT DRUM's loan sizing saw the bucket of loans from $100,000 or less with 649 originations, totaling $34,665,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 690 $141,640,000 $205,275
    60-80% 283 $109,985,000 $388,640
    20-40% 250 $18,950,000 $75,800
    Under 20% 204 $7,200,000 $35,294
    Over 100% 146 $38,800,000 $265,753
    40-60% 122 $28,980,000 $237,541

    WATERTOWN - FORT DRUM's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 690 originations, totaling $141,640,000 in origination value.