Market Overview
Home Prices in Watervliet, NY
The median home value in Watervliet, NY is $325,191 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.6% compared to a year ago and up 3.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Watervliet are priced21% below average. Watervliet is part of the Albany-Schenectady-Troy, NY metro area.
Over the past five years, Watervliet home values have risen by approximately32.9%, reflecting strong long-term appreciation in this market.
Price History
Watervliet Home Price Trend
City Comparison
Watervliet vs. National Median
At $325,191, homes in Watervliet cost 21% below the national median of $410,000. This makes Watervliet a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Watervliet?
20% Down Payment
$65,038
on $325,191
Monthly P&I
$1,696/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,154/mo
incl. taxes & insurance
Income Needed
$86,160
gross annual (30% rule)
10% Down Option
$32,519
+ PMI applies
Loan Amount (20% dn)
$260,153
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Watervliet, NY?
The median home value in Watervliet is $325,191 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.6% year-over-year.
How much have home prices changed in Watervliet?
Over the past year, home values in Watervliet have increased by 3.6%. Over five years, prices have risen approximately 32.9%.
How much do I need to earn to buy a home in Watervliet?
To comfortably afford the median home price of $325,191 with a 20% down payment ($65,038) at today's rates (6.8%), you'd need a gross annual income of approximately $86,160. This assumes keeping total housing costs at or below 30% of gross income.
How does Watervliet compare to the national average home price?
The national median home value is approximately $410,000. At $325,191, homes in Watervliet are 21% below the national average.
What metro area is Watervliet part of?
Watervliet is part of the Albany-Schenectady-Troy, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.