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Watertown CDP, CT

ZIP 06795 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 06795

Median Home Value
$331,200
Median Rent
$1,148
Affordability Snapshot
$91,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,128/mo PITI).

13%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

24.0 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 06795 in Watertown CDP, CT, a household would need roughly $91,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,128. That sits below the local median household income ($102,800), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
84.8%+30% vs US avg
x
Vacancy Rate
8.4%-18% vs US avg
x
Broadband Access
93.1%+7% vs US avg
x
4+ Bedrooms
5.2%-65% vs US avg
x
Built Pre-1939
6.1%-52% vs US avg
x
Built Post-2014
1.3%-82% vs US avg
x
Rent Burden >30%
52.0%+5% vs US avg
x
Mortgage-Free
37.5%-2% vs US avg
x
$331,200
Home Value
$1,148
Rent
1972
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached80.0%
  • 1-unit attached5.4%
  • 2-9 units12.6%
  • 10+ units2.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$331,200
Median rent$1,148
Owner-occupied84.8%
Vacant8.4%
Price-to-income3.2x
Est. income to buy$91,000