Watertown, NY (Metro) - Trend of Total Monthly 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 Total Monthly Payments with 20% down for all homes in the Watertown, NY Metro in January 2026 was $1,663.229. The month over month percentage change (MoM) was -0.39%, and the year over year percentage change (YoY) was -4.57%.
The chart below shows the trend of the total monthly payments with 20% down for all homes in the Watertown, NY metro. The table below shows the trend of the the total monthly payments with 20% down, and the MoM and YoY percentage changes for all homes in the Watertown, NY metro.
You can see similar information for other US metros, and for the United States.
Note: The Total Monthly Payment value is an estimate of the total monthly payment on a new home purchase with current interest rates. The total monthly payment includes the mortgage payment, homeowner’s insurance, property taxes, and maintenance costs worth 0.5% of the home’s value. The home value is estimated using smoothed and seasonally adjusted ZHVI. If the down payment is less than 20%, the monthly mortgage payment includes 1% mortgage insurance. Homeowners insurance rates and property tax rate estimates vary by region.
Related Topics: Watertown, NY (Metro) - Zillow House Inventory Topic List
Data Source: Zillow.
Watertown, NY (Metro) - Trend of Total Monthly Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted ($)
Watertown, NY (Metro) - Trend of Total Monthly Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted
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| Month | Total Monthly Payment ($) | MoM Perc. Change (%) | YoY Perc. Change (%) |
|---|---|---|---|
| Jan 2012 | 844.3243009791686 | NaN | NaN |
| Feb 2012 | 855.2018143019532 | 1.29 | NaN |
| Mar 2012 | 872.8570929235538 | 2.06 | NaN |
| Apr 2012 | 878.7811480291173 | 0.68 | NaN |
| May 2012 | 877.096957379621 | -0.19 | NaN |
| Jun 2012 | 873.9587370961387 | -0.36 | NaN |
| Jul 2012 | 870.9902995982484 | -0.34 | NaN |
| Aug 2012 | 875.4436482672811 | 0.51 | NaN |
| Sep 2012 | 866.497937311497 | -1.02 | NaN |
| Oct 2012 | 855.6664702096272 | -1.25 | NaN |
| Nov 2012 | 850.5699501494481 | -0.60 | NaN |
| Dec 2012 | 849.02226859194 | -0.18 | NaN |
| Jan 2013 | 854.9985138020384 | 0.70 | 1.26 |
| Feb 2013 | 867.5714102571324 | 1.47 | 1.45 |
| Mar 2013 | 875.1154345540872 | 0.87 | 0.26 |
| Apr 2013 | 873.1564798848137 | -0.22 | -0.64 |
| May 2013 | 885.1056262192609 | 1.37 | 0.91 |
| Jun 2013 | 927.4637697695421 | 4.79 | 6.12 |
| Jul 2013 | 952.2726469165376 | 2.68 | 9.33 |
| Aug 2013 | 958.0911775235907 | 0.61 | 9.44 |
| Sep 2013 | 955.2523193688025 | -0.30 | 10.24 |
| Oct 2013 | 929.8084507824753 | -2.66 | 8.66 |
| Nov 2013 | 928.2372487388634 | -0.17 | 9.13 |
| Dec 2013 | 938.7286007705948 | 1.13 | 10.57 |
| Jan 2014 | 936.9957431478309 | -0.18 | 9.59 |
| Feb 2014 | 932.5465631271679 | -0.47 | 7.49 |
| Mar 2014 | 938.9846482817188 | 0.69 | 7.30 |
| Apr 2014 | 941.1497203612041 | 0.23 | 7.79 |
| May 2014 | 933.9164747461468 | -0.77 | 5.52 |
| Jun 2014 | 934.7000509415202 | 0.08 | 0.78 |
| Jul 2014 | 933.8006269090375 | -0.10 | -1.94 |
| Aug 2014 | 929.8335123038427 | -0.42 | -2.95 |
| Sep 2014 | 927.139606558058 | -0.29 | -2.94 |
| Oct 2014 | 910.7874044649102 | -1.76 | -2.05 |
| Nov 2014 | 901.8799654345403 | -0.98 | -2.84 |
| Dec 2014 | 890.5186128326252 | -1.26 | -5.14 |
| Jan 2015 | 878.9038953490367 | -1.30 | -6.20 |
| Feb 2015 | 883.0436742512043 | 0.47 | -5.31 |
| Mar 2015 | 887.2666828308597 | 0.48 | -5.51 |
| Apr 2015 | 881.8990164423049 | -0.60 | -6.30 |
| May 2015 | 894.2722210156644 | 1.40 | -4.24 |
| Jun 2015 | 906.7183949041055 | 1.39 | -2.99 |
| Jul 2015 | 914.6795184330751 | 0.88 | -2.05 |
| Aug 2015 | 909.2021846202862 | -0.60 | -2.22 |
| Sep 2015 | 908.8733147611449 | -0.04 | -1.97 |
| Oct 2015 | 900.9483145195184 | -0.87 | -1.08 |
| Nov 2015 | 905.1731345328736 | 0.47 | 0.37 |
| Dec 2015 | 903.7220571952797 | -0.16 | 1.48 |
| Jan 2016 | 897.263812250764 | -0.71 | 2.09 |
| Feb 2016 | 885.9869278977606 | -1.26 | 0.33 |
| Mar 2016 | 887.8450610539446 | 0.21 | 0.07 |
| Apr 2016 | 880.4329763341328 | -0.83 | -0.17 |
| May 2016 | 878.1448461987195 | -0.26 | -1.80 |
| Jun 2016 | 876.3207059125291 | -0.21 | -3.35 |
| Jul 2016 | 868.2078085782225 | -0.93 | -5.08 |
| Aug 2016 | 866.7848039171195 | -0.16 | -4.66 |
| Sep 2016 | 866.1610846163351 | -0.07 | -4.70 |
| Oct 2016 | 865.5279003316948 | -0.07 | -3.93 |
| Nov 2016 | 884.0706435355553 | 2.14 | -2.33 |
| Dec 2016 | 913.1420399483119 | 3.29 | 1.04 |
| Jan 2017 | 920.6669480902169 | 0.82 | 2.61 |
| Feb 2017 | 920.4471227727402 | -0.02 | 3.89 |
| Mar 2017 | 919.3849886370585 | -0.11 | 3.55 |
| Apr 2017 | 908.1465954296377 | -1.22 | 3.15 |
| May 2017 | 905.4108367631004 | -0.30 | 3.11 |
| Jun 2017 | 897.4071207206895 | -0.88 | 2.41 |
| Jul 2017 | 902.1415291956577 | 0.53 | 3.91 |
| Aug 2017 | 899.1279245269848 | -0.33 | 3.73 |
| Sep 2017 | 898.4440810362383 | -0.08 | 3.73 |
| Oct 2017 | 906.8833390575508 | 0.94 | 4.78 |
| Nov 2017 | 911.6577675783469 | 0.53 | 3.12 |
| Dec 2017 | 916.2786613468171 | 0.51 | 0.34 |
| Jan 2018 | 955.5998086856746 | 4.29 | 3.79 |
| Feb 2018 | 974.1775717995663 | 1.94 | 5.84 |
| Mar 2018 | 981.8988251771455 | 0.79 | 6.80 |
| Apr 2018 | 985.4086330412816 | 0.36 | 8.51 |
| May 2018 | 998.6550799435023 | 1.34 | 10.30 |
| Jun 2018 | 1003.2998253689157 | 0.47 | 11.80 |
| Jul 2018 | 1007.0581180837769 | 0.38 | 11.63 |
| Aug 2018 | 1013.4746780196036 | 0.64 | 12.72 |
| Sep 2018 | 1022.350270443013 | 0.88 | 13.79 |
| Oct 2018 | 1034.9409415106447 | 1.23 | 14.12 |
| Nov 2018 | 1035.380347336035 | 0.04 | 13.57 |
| Dec 2018 | 1016.8615262240704 | -1.79 | 10.98 |
| Jan 2019 | 1005.1088524099521 | -1.16 | 5.18 |
| Feb 2019 | 1000.4026902361038 | -0.47 | 2.69 |
| Mar 2019 | 997.1644532091209 | -0.32 | 1.56 |
| Apr 2019 | 992.0887218183 | -0.51 | 0.68 |
| May 2019 | 989.6376569626302 | -0.25 | -0.90 |
| Jun 2019 | 973.5739912835262 | -1.62 | -2.96 |
| Jul 2019 | 974.6720522362762 | 0.11 | -3.22 |
| Aug 2019 | 969.6840091403913 | -0.51 | -4.32 |
| Sep 2019 | 973.876803619471 | 0.43 | -4.74 |
| Oct 2019 | 984.0464697111911 | 1.04 | -4.92 |
| Nov 2019 | 988.6821637910878 | 0.47 | -4.51 |
| Dec 2019 | 994.3109406866992 | 0.57 | -2.22 |
| Jan 2020 | 990.7935322094597 | -0.35 | -1.42 |
| Feb 2020 | 983.7084939812933 | -0.71 | -1.67 |
| Mar 2020 | 985.8551251564325 | 0.22 | -1.13 |
| Apr 2020 | 980.0221503597709 | -0.59 | -1.22 |
| May 2020 | 977.5625404184232 | -0.25 | -1.22 |
| Jun 2020 | 974.6665331204917 | -0.30 | 0.11 |
| Jul 2020 | 965.6475495118937 | -0.92 | -0.93 |
| Aug 2020 | 961.4062444813712 | -0.44 | -0.85 |
| Sep 2020 | 964.3151739461882 | 0.30 | -0.98 |
| Oct 2020 | 971.4739519461501 | 0.74 | -1.28 |
| Nov 2020 | 981.2850669229613 | 1.01 | -0.75 |
| Dec 2020 | 988.2153349778123 | 0.71 | -0.61 |
| Jan 2021 | 1000.7783793468145 | 1.27 | 1.01 |
| Feb 2021 | 1012.7891695558786 | 1.20 | 2.96 |
| Mar 2021 | 1038.7604910645223 | 2.56 | 5.37 |
| Apr 2021 | 1043.8979933934702 | 0.50 | 6.52 |
| May 2021 | 1046.4559938436826 | 0.25 | 7.05 |
| Jun 2021 | 1057.3853310083755 | 1.04 | 8.49 |
| Jul 2021 | 1058.4193033757397 | 0.10 | 9.61 |
| Aug 2021 | 1059.9320755540869 | 0.14 | 10.25 |
| Sep 2021 | 1062.7585722876086 | 0.27 | 10.21 |
| Oct 2021 | 1074.5070692260708 | 1.11 | 10.61 |
| Nov 2021 | 1076.5437439456934 | 0.19 | 9.71 |
| Dec 2021 | 1083.8822106575353 | 0.68 | 9.68 |
| Jan 2022 | 1120.7855089274344 | 3.41 | 11.99 |
| Feb 2022 | 1159.0648166023766 | 3.42 | 14.44 |
| Mar 2022 | 1209.0476973889758 | 4.31 | 16.39 |
| Apr 2022 | 1296.0747864723576 | 7.20 | 24.16 |
| May 2022 | 1337.080886170294 | 3.16 | 27.77 |
| Jun 2022 | 1386.8156644085316 | 3.72 | 31.16 |
| Jul 2022 | 1393.007768537152 | 0.45 | 31.61 |
| Aug 2022 | 1384.2289254755665 | -0.63 | 30.60 |
| Sep 2022 | 1468.9674200924028 | 6.12 | 38.22 |
| Oct 2022 | 1547.392059770813 | 5.34 | 44.01 |
| Nov 2022 | 1538.0990250406608 | -0.60 | 42.87 |
| Dec 2022 | 1496.5134002445586 | -2.70 | 38.07 |
| Jan 2023 | 1484.694818040975 | -0.79 | 32.47 |
| Feb 2023 | 1479.8909594930117 | -0.32 | 27.68 |
| Mar 2023 | 1504.0061665079222 | 1.63 | 24.40 |
| Apr 2023 | 1485.7897035963706 | -1.21 | 14.64 |
| May 2023 | 1499.579760068674 | 0.93 | 12.15 |
| Jun 2023 | 1540.096829129037 | 2.70 | 11.05 |
| Jul 2023 | 1566.88785084665 | 1.74 | 12.48 |
| Aug 2023 | 1605.9443243891249 | 2.49 | 16.02 |
| Sep 2023 | 1632.1900720947165 | 1.63 | 11.11 |
| Oct 2023 | 1689.7345419556723 | 3.53 | 9.20 |
| Nov 2023 | 1684.0605770011327 | -0.34 | 9.49 |
| Dec 2023 | 1624.3493100745573 | -3.55 | 8.54 |
| Jan 2024 | 1605.2520825932093 | -1.18 | 8.12 |
| Feb 2024 | 1618.1099182908379 | 0.80 | 9.34 |
| Mar 2024 | 1628.2930772528607 | 0.63 | 8.26 |
| Apr 2024 | 1661.9019072093279 | 2.06 | 11.85 |
| May 2024 | 1686.3901030361733 | 1.47 | 12.46 |
| Jun 2024 | 1689.1977657861241 | 0.17 | 9.68 |
| Jul 2024 | 1695.555700612174 | 0.38 | 8.21 |
| Aug 2024 | 1667.2725135179792 | -1.67 | 3.82 |
| Sep 2024 | 1644.2140199770693 | -1.38 | 0.74 |
| Oct 2024 | 1676.2169774674803 | 1.95 | -0.80 |
| Nov 2024 | 1721.6330035412484 | 2.71 | 2.23 |
| Dec 2024 | 1716.3507456176567 | -0.31 | 5.66 |
| Jan 2025 | 1742.876345906749 | 1.55 | 8.57 |
| Feb 2025 | 1728.4332265649364 | -0.83 | 6.82 |
| Mar 2025 | 1701.4421536918067 | -1.56 | 4.49 |
| Apr 2025 | 1706.9594150948337 | 0.32 | 2.71 |
| May 2025 | 1715.091380918529 | 0.48 | 1.70 |
| Jun 2025 | 1717.1167127507192 | 0.12 | 1.65 |
| Jul 2025 | 1711.0165040941602 | -0.35 | 0.91 |
| Aug 2025 | 1699.1472815993243 | -0.69 | 1.91 |
| Sep 2025 | 1682.7231754664658 | -0.97 | 2.34 |
| Oct 2025 | 1673.2913707066016 | -0.56 | -0.17 |
| Nov 2025 | 1672.9280074313087 | -0.02 | -2.83 |
| Dec 2025 | 1669.7021595194235 | -0.19 | -2.72 |
| Jan 2026 | 1663.2287346447383 | -0.39 | -4.57 |
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