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Watervliet Real Estate Market Facts

  • $139,000Median home price
    51% lower than New York
  • $847Median rent asked
    27% lower than New York
  • 37.9%Home owners
    29% lower than New York
  • 2.3People per home
    12% lower than New York
A general overview of the Watervliet, NY real estate market is displayed above. The median home price for homes in Watervliet, NY is $139,000, which is 51% lower than the New York average. This means that real estate in the Watervliet, NY area is generally more affordable than the rest of New York. The median rent price in Watervliet, NY is $847 which is 27% lower than the New York average. In Watervliet, NY, 37.9% of people are home owners and an average of 2.3 people occupy each home. From luxury houses to affordable condos to urban townhomes, there are many different types of real estate in Watervliet, NY. We make it easy to find Watervliet, NY real estate listings and homes for sale by filtering location, price, bedrooms and bathrooms in the search area above.

Watervliet Home Affordability

  • $139,000Median home price
    51% lower than New York
  • $48,994Median home income
    19% lower than New York
  • 2.8xHome price to income ratio
    40% lower than New York
Home affordability can be a very important factor when determining where to purchase real estate in Watervliet, NY. One method that can be used to calculate home affordability is the home price to median household income ratio. The median home price in Watervliet, NY is $139,000 and the median household income is $48,994. This results in a home price to income ratio of 2.8x, which is 40% lower than the New York average. The home affordability ratio is calculated by dividing the median home price by the median home income. A lower than average home price to income ratio means that homes in Watervliet, NY are more affordable based on the median price of homes compared to home income. Of course, there are many other factors to consider when focusing on home affordability. Use the home affordability calculator below to see exactly how much you can afford to pay for real estate in Watervliet, NY.

Watervliet Affordability Calculator

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When searching for real estate in Watervliet, NY, it is important to find a home that fits comfortably within your budget. The home affordability calculator allows you to determine what price of home in Watervliet, NY you can afford based on your income, debts and down payment. For an even more complete picture, you can add in further details such as: length of mortgage term, mortgage rate, property taxes, home insurance and HOA dues. This will estimate the costs of home ownership and display the home price that would fit within that budget. Knowing the price of home that you can afford in Watervliet, NY before you begin the house hunting process will keep you from getting too emotionally invested in homes that you may not be able to afford. The home affordability calculator will also allow you to balance your budget, so you know exactly how much will be spent on housing and how much you will have left over for any other living expenses and savings.

Watervliet Mortgage Calculator

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What will my monthly costs be if I purchase Watervliet, NY real estate? There are many different variables that go into determining the monthly cost of a home. The biggest is obviously the home price. But after the actual price of the home you will also need to consider the down payment, loan term, interest rate, property taxes, home insurance, HOA dues and PMI (private mortgage insurance). PMI payments can be avoided for homeowners that are able to put 20% or more towards a down payment. The mortgage calculator has preset default values for these details, but they may be adjusted to give you a more accurate monthly payment estimate. Keep in mind that a good rule of thumb is to keep the DTI (debt-to-income) ratio to no more than 36 percent. This means that no more than 36 percent of gross monthly income should go to paying all debts.

Watervliet Demographics

  • 10,207Population
  • 7,586People / sq mile
  • 36.5Median age
  • 1.0:1Male/Female ratio

Nearby cities with low home prices

City, StatePopulationHome PriceNational Avg.
Schenectady, NY65,554$112,90039%
Green Island, NY2,613$118,20036%
Rensselaer, NY9,435$129,80030%
Scotia, NY7,732$137,40026%
Troy, NY49,881$144,30022%
Watervliet, NY10,207$139,00025%

Cities with similar population

City, StatePopulationHome PriceNational Avg.
Oil City, PA10,207$46,80075%
Sedona, AZ10,209$419,700127%
Bel Air, MD10,211$241,70031%
Little Canada, MN10,202$203,60010%
Alpena, MI10,213$76,50059%
Watervliet, NY10,207$139,00025%
Source: The Watervliet, NY housing data displayed above is derived from the 2016 United States Census Bureau American Community Survey (ACS).