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Watertown 13601

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.New YorkBalanced market
Market temperatureA 0 to 100 score comparing this area with every similar area nationwide each month. 0 is the strongest buyer's market, 100 the strongest seller's market.Balanced market · 46
Buyer's marketBalancedSeller's market
$210K
Median sale priceThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.
-1.0%
1-yr changeHow much prices and sales counts changed since the same time last year, using a 3-month average to smooth out noise. Above the dashed line means growth.
509
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$182K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Aug 2026Counties take time to publish deeds, so the newest months can be incomplete and may shift as more records arrive.

Market Trends

Market temperature (0–100)How the 0 to 100 market score moved over time. It blends price growth, sales pace, how often homes change hands, and seller profits.Temperature
20162018201920212022202320252026
Sale pricesThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.MedianSales
20162018201920212022202320252026
Growth (year over year)How much prices and sales counts changed since the same time last year, using a 3-month average to smooth out noise. Above the dashed line means growth.PriceSales
20162018201920212022202320252026
Price per square footThe middle price per square foot, for sales where the size is known. It adjusts for homes being different sizes.$/ft²
20162018201920212022202320252026
Sale premium vs estimated valueHow sale prices compare with our estimated values at the time of sale. Above the dashed line, homes sold for more than the models expected — a sign of competitive bidding. Below it, buyers paid under model value.Premium
20162018201920212022202320252026
Annual turnover (share of homes sold)The share of all homes here that sold in the trailing 12 months. Higher turnover means a more liquid market where homes trade hands more often.Turnover
20162018201920212022202320252026
Buyer mixWho is buying. Cash means no mortgage was recorded, investor means the buyer looked like an investor, and flip means the home resold within a year.CashInvestorFlip resale
20162018201920212022202320252026
Financing (share of purchase price)For buyers who borrowed: the middle share of the price they financed, and the middle share they paid up front.Loan (LTV)Down payment
20162018201920212022202320252026
Sellers who sold at a gainThe share of sellers each month who sold for more than they originally paid.Sold at gain
20162018201920212022202320252026
Typical hold before sellingThe middle number of years sellers owned their home before selling.Median hold
20162018201920212022202320252026
Median annualized return at resaleThe middle yearly gain sellers earned, spread across the years they owned the home. Only counts homes held at least a year.Annualized gain
20162018201920212022202320252026
Preforeclosure filingsForeclosure notices filed each month. A rise can be an early sign that more owners are struggling. Auction stage counts the filings that reached a scheduled foreclosure auction.FilingsAuction stage
20162018201920212022202320252026

Housing Stock

HomesHow many homes we have records for in this area.10,614
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$182K
Median sizeThe middle home size here, measured in square feet.1,606 ft²
Median bedroomsThe middle bedroom count for homes here.3
Median year builtThe middle build year for homes here. A recent year means most housing is newer.1925
Single familyThe share of homes here that are single-family houses.76%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.52%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.1.6%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.71%
Company ownedThe share of homes owned by a company or trust instead of a person.10.0%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.47%
Typical ownership tenureHow long the typical owner here has held their home.7.9 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.108
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.57

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.16%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.35,771
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.269 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$60K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$77K
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.44 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

Market metrics are derived from recorded arms-length deeds and refreshed nightly. Temperature blends price momentum, sales velocity, turnover and resale outcomes, ranked against all ZIP codes nationally.

How Watertown 13601 compares

By median home value, Watertown 13601 is the 23rd most expensive of 31 ZIP codes in Jefferson County, and its typical home is worth more than 44% of all homes in Jefferson County.

Home values in Watertown 13601

Share of homes at each estimated value.

Median
$55K$487K
ZIP codes in Jefferson County ranked by median home value
#Jefferson CountyMedian valueHomes
1Wellesley Island 13640$454K795
2Henderson Harbor 13651$380K109
3Sackets Harbor 13685$288K1,338
4Clayton 13624$270K2,910
5Thousand Island Park 13692$243K481
6Rodman 13682$242K411
7Three Mile Bay 13693$239K1,207
8Fishers Landing 13641$237K164
9Evans Mills 13637$226K856
10Black River 13612$222K913
11Cape Vincent 13618$217K1,854
12Chaumont 13622$216K1,449
13Dexter 13634$205K2,209
14Lorraine 13659$197K457
15Philadelphia 13673$196K705
16Henderson 13650$195K1,577
17Adams Center 13606$194K925
18Mannsville 13661$193K874
19Carthage 13619$192K3,687
20Alexandria Bay 13607$187K1,445
21Brownville 13615$185K349
22Adams 13605$184K1,981
23Watertown 13601$182K10,614
24Felts Mills 13638$176K160

31 ZIP codes in Jefferson County are ranked; the most valuable are listed here.

About the Watertown 13601 market

What is the median home price in Watertown 13601, NY?

The median sale price in Watertown 13601, NY is $210,308 (data through August 2026), based on deeds recorded with the county. That is down 1.0% from a year earlier.

How many homes sell in Watertown 13601, NY each year?

509 homes sold in Watertown 13601, NY over the last 12 months (data through August 2026). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

Is Watertown 13601, NY a buyer's or seller's market?

Watertown 13601, NY is currently a balanced market, scoring 46 out of 100 on TopHap's market temperature index (data through August 2026). The score weighs sales velocity and price direction; above 60 favours sellers, below 40 favours buyers.

How many homes are there in Watertown 13601, NY?

Watertown 13601, NY contains 10,614 residential properties, with a median of 1,606 square feet, 3 bedrooms, built around 1925. The median TopHap Estimate is $182K.

How does Watertown 13601, NY compare to the rest of Jefferson County?

By median home value, Watertown 13601, NY is the 23rd most expensive of 31 ZIP codes in Jefferson County. Its typical home is worth more than 44% of all homes in Jefferson County. Adams 13605 ranks just above it and Felts Mills 13638 just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Watertown 13601, NY?

71% of homes in Watertown 13601, NY are owner-occupied. 10% are held by a company rather than an individual.

How much equity do owners in Watertown 13601, NY hold?

52% of mortgaged homes in Watertown 13601, NY are equity-rich, meaning the loan balance is under half the home's value. 1.6% owe more than the home is worth.

Nearby markets

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