WATERTOWN - FORT DRUM Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Watertown - Fort Drum averaged 6.75% for the week of 2024-02-22, compared to the national average of 6.9% for the same period.

The average rate for the prior week (2024-02-15) was 6.52% and one month ago for the week of 2024-01-18, the average rate was 6.45%.

Watertown - Fort Drum's average rate one year ago was 6.3%.

For refis of the same type during the week of 2024-02-22, the average rate was 7.2%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-02-22 6.9%
Watertown - Fort Drum 30 Year Fixed Rate 2024-02-22 6.75%
Watertown - Fort Drum 30 Year Fixed Rate Refi 2024-02-22 7.2%
Watertown - Fort Drum 15 Year Fixed Rate 2024-02-22 6.49%
Watertown - Fort Drum 15 Year Fixed Rate Refi 2024-02-22 5.77%
Watertown - Fort Drum 30 Year FHA 2024-02-22 -0.26%
Watertown - Fort Drum 30 Year FHA Refi 2024-02-22 0.2%
Watertown - Fort Drum 30 Year USDA 2024-02-22 0.2%
Watertown - Fort Drum 30 Year USDA Refi 2024-02-22 0%
Watertown - Fort Drum 30 Year VA 2024-02-22 -0.24%
Watertown - Fort Drum 30 Year VA Refi 2024-02-22 0.1%
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 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 $146,500 (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
WATERTOWN - FORT DRUM's median listing price for 2023-12-01 was $220,000, a difference of $35,000 (18.9%) versus the prior year and $-4,475 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 2023-12-01 was $331,943, a difference of $40,377 (13.9%) versus the prior year and $-4,604 versus the prior month.

For the 2023-12-01 period, WATERTOWN - FORT DRUM had 206 MLS listings, a difference of -37 listings (-15%) versus the prior month and -28 listings (-12%) 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 1,685 sqft
2023-06-01 0 days 1,795 sqft
2023-07-01 0 days 1,766 sqft
2023-08-01 0 days 1,744 sqft
2023-09-01 0 days 1,702 sqft
2023-10-01 0 days 1,780 sqft
2023-11-01 0 days 1,708 sqft
2023-12-01 0 days 1,694 sqft
WATERTOWN - FORT DRUM's median listing age (time on market) for 2023-12-01 was 0 days.

WATERTOWN - FORT DRUM's median square footage for active listings during the 2023-12-01 period was 1,694 sqft. One year prior, the average listing was 1,652 sqft.

WATERTOWN-FORT DRUM, NY Average Rent (2023)

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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.