Watertown, NY (Metro) - Trend of Mortgage Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted (Zillow)
Updated on March 22, 2026.
According to data from Zillow.com, the smoothed and seasonally adjusted Mortgage Payments with 20% down for all homes in the Watertown, NY Metro in February 2026 was $1,032.294. The month over month percentage change (MoM) was -0.13%, and the year over year percentage change (YoY) was -7.15%.
The chart below shows the trend of the mortgage payments with 20% down for all homes in the Watertown, NY metro. The table below shows the trend of the the mortgage payments with 20% down, and the MoM and YoY percentage changes for all homes in the Watertown, NY metro.
You can see similar information for other US metros, and for the United States.
Note: The Mortgage Payment value is an estimate of the monthly mortgage payment on a new home purchase with the average interest rate of that month. The home value is estimated using smoothed and seasonally adjusted ZHVI. If the down payment is less than 20%, the monthly mortgage payment includes 1% mortgage insurance.
Related Topics: Watertown, NY (Metro) - Zillow House Inventory Topic List
Data Source: Zillow.
Watertown, NY (Metro) - Trend of Mortgage Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted ($)
Watertown, NY (Metro) - Trend of Mortgage Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted
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| Month | Mortgage Payment ($) | MoM Perc. Change (%) | YoY Perc. Change (%) |
|---|---|---|---|
| Jan 2015 | 512.1141502295757 | -2.27 | -10.23 |
| Feb 2015 | 515.7197082516673 | 0.70 | -8.59 |
| Mar 2015 | 519.8104502975083 | 0.79 | -8.64 |
| Apr 2015 | 514.1279333103737 | -1.09 | -9.77 |
| May 2015 | 525.9808338396178 | 2.31 | -6.28 |
| Jun 2015 | 537.3955133204328 | 2.17 | -4.15 |
| Jul 2015 | 544.0990166623158 | 1.25 | -2.68 |
| Aug 2015 | 537.2939406303382 | -1.25 | -3.37 |
| Sep 2015 | 536.6688191274006 | -0.12 | -3.34 |
| Oct 2015 | 529.2343399905511 | -1.38 | -2.24 |
| Nov 2015 | 535.1304537161194 | 1.11 | 0.12 |
| Dec 2015 | 534.5242805691308 | -0.11 | 2.01 |
| Jan 2016 | 528.1425901620468 | -1.19 | 3.13 |
| Feb 2016 | 515.9772187605665 | -2.30 | 0.05 |
| Mar 2016 | 517.8653418034039 | 0.37 | -0.37 |
| Apr 2016 | 510.9394023955556 | -1.34 | -0.62 |
| May 2016 | 509.22777134307967 | -0.33 | -3.18 |
| Jun 2016 | 507.25319001729247 | -0.39 | -5.61 |
| Jul 2016 | 499.0041685191628 | -1.63 | -8.29 |
| Aug 2016 | 497.74125348256143 | -0.25 | -7.36 |
| Sep 2016 | 497.6466719468778 | -0.02 | -7.27 |
| Oct 2016 | 497.2268092838829 | -0.08 | -6.05 |
| Nov 2016 | 515.6983766481915 | 3.72 | -3.63 |
| Dec 2016 | 544.121407646644 | 5.51 | 1.80 |
| Jan 2017 | 541.4862681941883 | -0.48 | 2.53 |
| Feb 2017 | 541.5048178389851 | 0.00 | 4.95 |
| Mar 2017 | 541.18857608543 | -0.06 | 4.50 |
| Apr 2017 | 530.2026567236092 | -2.03 | 3.77 |
| May 2017 | 527.4110009448826 | -0.53 | 3.57 |
| Jun 2017 | 519.5954579841577 | -1.48 | 2.43 |
| Jul 2017 | 523.9365301828328 | 0.84 | 5.00 |
| Aug 2017 | 519.9405060249555 | -0.76 | 4.46 |
| Sep 2017 | 517.7605785695735 | -0.42 | 4.04 |
| Oct 2017 | 525.1915756467324 | 1.44 | 5.62 |
| Nov 2017 | 528.8385213095435 | 0.69 | 2.55 |
| Dec 2017 | 532.4098166390252 | 0.68 | -2.15 |
| Jan 2018 | 538.9087025679192 | 1.22 | -0.48 |
| Feb 2018 | 557.7672781798765 | 3.50 | 3.00 |
| Mar 2018 | 565.3473487902237 | 1.36 | 4.46 |
| Apr 2018 | 568.0775229523862 | 0.48 | 7.14 |
| May 2018 | 579.4280206445806 | 2.00 | 9.86 |
| Jun 2018 | 581.998998396403 | 0.44 | 12.01 |
| Jul 2018 | 583.3868610999515 | 0.24 | 11.35 |
| Aug 2018 | 588.0906700052238 | 0.81 | 13.11 |
| Sep 2018 | 595.7348544902115 | 1.30 | 15.06 |
| Oct 2018 | 608.8386692669926 | 2.20 | 15.93 |
| Nov 2018 | 609.9300931448496 | 0.18 | 15.33 |
| Dec 2018 | 592.191360160865 | -2.91 | 11.23 |
| Jan 2019 | 580.2946163408341 | -2.01 | 7.68 |
| Feb 2019 | 574.9313675167743 | -0.92 | 3.08 |
| Mar 2019 | 570.2652951206786 | -0.81 | 0.87 |
| Apr 2019 | 563.9806118071549 | -1.10 | -0.72 |
| May 2019 | 560.6463414102029 | -0.59 | -3.24 |
| Jun 2019 | 543.7604526425575 | -3.01 | -6.57 |
| Jul 2019 | 543.2541552028038 | -0.09 | -6.88 |
| Aug 2019 | 535.8564216188742 | -1.36 | -8.88 |
| Sep 2019 | 537.6626100452859 | 0.34 | -9.75 |
| Oct 2019 | 545.5800197206186 | 1.47 | -10.39 |
| Nov 2019 | 548.1193515156559 | 0.47 | -10.13 |
| Dec 2019 | 551.7397351861857 | 0.66 | -6.83 |
| Jan 2020 | 546.5265009173041 | -0.94 | -5.82 |
| Feb 2020 | 537.5093325130665 | -1.65 | -6.51 |
| Mar 2020 | 537.9185704095913 | 0.08 | -5.67 |
| Apr 2020 | 530.0628494218382 | -1.46 | -6.01 |
| May 2020 | 526.1029545833028 | -0.75 | -6.16 |
| Jun 2020 | 521.9648604575593 | -0.79 | -4.01 |
| Jul 2020 | 512.5011186970302 | -1.81 | -5.66 |
| Aug 2020 | 508.09290432726834 | -0.86 | -5.18 |
| Sep 2020 | 508.9727463301781 | 0.17 | -5.34 |
| Oct 2020 | 512.1420521145263 | 0.62 | -6.13 |
| Nov 2020 | 516.5440027136261 | 0.86 | -5.76 |
| Dec 2020 | 518.8257814200547 | 0.44 | -5.96 |
| Jan 2021 | 528.0670275776841 | 1.78 | -3.38 |
| Feb 2021 | 537.6558222926895 | 1.82 | 0.03 |
| Mar 2021 | 561.3205498095347 | 4.40 | 4.35 |
| Apr 2021 | 564.1188132608922 | 0.50 | 6.43 |
| May 2021 | 563.2134407662455 | -0.16 | 7.05 |
| Jun 2021 | 570.5248731279182 | 1.30 | 9.30 |
| Jul 2021 | 568.0610555518085 | -0.43 | 10.84 |
| Aug 2021 | 567.8794550824629 | -0.03 | 11.77 |
| Sep 2021 | 570.8997576675108 | 0.53 | 12.17 |
| Oct 2021 | 582.5653212040803 | 2.04 | 13.75 |
| Nov 2021 | 583.4532721642039 | 0.15 | 12.95 |
| Dec 2021 | 588.4916606743567 | 0.86 | 13.43 |
| Jan 2022 | 621.155965505818 | 5.55 | 17.63 |
| Feb 2022 | 654.2814672054345 | 5.33 | 21.69 |
| Mar 2022 | 698.1211388445066 | 6.70 | 24.37 |
| Apr 2022 | 779.151910321339 | 11.61 | 38.12 |
| May 2022 | 813.7218643614175 | 4.44 | 44.48 |
| Jun 2022 | 855.9138597568253 | 5.19 | 50.02 |
| Jul 2022 | 856.2236619332524 | 0.04 | 50.73 |
| Aug 2022 | 843.6260655477838 | -1.47 | 48.56 |
| Sep 2022 | 928.3800930827089 | 10.05 | 62.62 |
| Oct 2022 | 1006.5801944389668 | 8.42 | 72.78 |
| Nov 2022 | 996.3384946784338 | -1.02 | 70.77 |
| Dec 2022 | 952.9362771357382 | -4.36 | 61.93 |
| Jan 2023 | 941.092470685118 | -1.24 | 51.51 |
| Feb 2023 | 936.5208426906313 | -0.49 | 43.14 |
| Mar 2023 | 961.277679017756 | 2.64 | 37.70 |
| Apr 2023 | 941.6634812291603 | -2.04 | 20.86 |
| May 2023 | 953.0389844177636 | 1.21 | 17.12 |
| Jun 2023 | 989.5350273218002 | 3.83 | 15.61 |
| Jul 2023 | 1011.5783085906482 | 2.23 | 18.14 |
| Aug 2023 | 1045.6801556645437 | 3.37 | 23.95 |
| Sep 2023 | 1067.6105625698942 | 2.10 | 15.00 |
| Oct 2023 | 1121.1483086723622 | 5.01 | 11.38 |
| Nov 2023 | 1110.832264769956 | -0.92 | 11.49 |
| Dec 2023 | 1047.7783049170982 | -5.68 | 9.95 |
| Jan 2024 | 1028.8024078024773 | -1.81 | 9.32 |
| Feb 2024 | 1041.1654868149292 | 1.20 | 11.17 |
| Mar 2024 | 1048.8312101006586 | 0.74 | 9.11 |
| Apr 2024 | 1076.099132846739 | 2.60 | 14.28 |
| May 2024 | 1095.2859501004523 | 1.78 | 14.93 |
| Jun 2024 | 1092.647318949834 | -0.24 | 10.42 |
| Jul 2024 | 1094.6266506796455 | 0.18 | 8.21 |
| Aug 2024 | 1063.178282850768 | -2.87 | 1.67 |
| Sep 2024 | 1031.0309624392933 | -3.02 | -3.43 |
| Oct 2024 | 1061.665821992788 | 2.97 | -5.30 |
| Nov 2024 | 1106.2503359278103 | 4.20 | -0.41 |
| Dec 2024 | 1099.237657046842 | -0.63 | 4.91 |
| Jan 2025 | 1126.1288572853218 | 2.45 | 9.46 |
| Feb 2025 | 1111.7718859302668 | -1.27 | 6.78 |
| Mar 2025 | 1085.3954879935004 | -2.37 | 3.49 |
| Apr 2025 | 1091.6595896631106 | 0.58 | 1.45 |
| May 2025 | 1100.2506637802562 | 0.79 | 0.45 |
| Jun 2025 | 1101.6525569882551 | 0.13 | 0.82 |
| Jul 2025 | 1093.6770924852838 | -0.72 | -0.09 |
| Aug 2025 | 1080.6321375055538 | -1.19 | 1.64 |
| Sep 2025 | 1055.8256672933846 | -2.30 | 2.40 |
| Oct 2025 | 1045.8317552425674 | -0.95 | -1.49 |
| Nov 2025 | 1044.9695826188627 | -0.08 | -5.54 |
| Dec 2025 | 1041.1157781718346 | -0.37 | -5.29 |
| Jan 2026 | 1033.644572111955 | -0.72 | -8.21 |
| Feb 2026 | 1032.2938845799886 | -0.13 | -7.15 |
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