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 5.94% for the week of 2024-10-10, compared to the national average of 6.32% for the same period.

The average rate for the prior week (2024-10-03) was 5.64% and one month ago for the week of 2024-09-05, the average rate was 6.17%.

Watertown - Fort Drum's average rate one year ago was 7.11%.

For refis of the same type during the week of 2024-10-10, the average rate was 6.72%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-10 6.32%
Watertown - Fort Drum 30 Year Fixed Rate 2024-10-10 5.94%
Watertown - Fort Drum 30 Year Fixed Rate Refi 2024-10-10 6.72%
Watertown - Fort Drum 15 Year Fixed Rate 2024-10-10 5.31%
Watertown - Fort Drum 15 Year Fixed Rate Refi 2024-10-10 5.41%
Watertown - Fort Drum 30 Year FHA 2024-10-10 6.2%
Watertown - Fort Drum 30 Year FHA Refi 2024-10-10 6.2%
Watertown - Fort Drum 30 Year USDA 2024-10-10 5.98%
Watertown - Fort Drum 30 Year USDA Refi 2024-10-10 5.88%
Watertown - Fort Drum 30 Year VA 2024-10-10 6.02%
Watertown - Fort Drum 30 Year VA Refi 2024-10-10 6.05%
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 $265,625 (22.2%) $378,075 (13.3%) 0.00 244
2024-06-01 $269,900 (6.9%) $373,792 (3.0%) 0.00 250
2024-07-01 $266,950 (7.0%) $378,788 (-0.9%) 0.00 290
2024-08-01 $260,000 (5.1%) $363,170 (-5.7%) 0.00 332
2024-09-01 $259,900 (6.1%) $357,044 (0.7%) 0.00 357
WATERTOWN - FORT DRUM's median listing price for 2024-09-01 was $259,900, a difference of $14,900 (6.1%) versus the prior year and $-100 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 2024-09-01 was $357,044, a difference of $2,578 (0.7%) versus the prior year and $-6,126 versus the prior month.

For the 2024-09-01 period, WATERTOWN - FORT DRUM had 357 MLS listings, a difference of 25 listings (8%) versus the prior month and 126 listings (55%) 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
2024-01-01 0 days 1,772 sqft
2024-02-01 0 days 1,699 sqft
2024-03-01 0 days 1,700 sqft
2024-04-01 0 days 1,736 sqft
2024-05-01 0 days 1,721 sqft
2024-06-01 0 days 1,737 sqft
2024-07-01 0 days 1,753 sqft
2024-08-01 0 days 1,740 sqft
2024-09-01 0 days 1,715 sqft
WATERTOWN - FORT DRUM's median listing age (time on market) for 2024-09-01 was 0 days.

WATERTOWN - FORT DRUM's median square footage for active listings during the 2024-09-01 period was 1,715 sqft. One year prior, the average listing was 1,702 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 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.