The story of this market
The typical home in Jefferson County, New York sells for about $238,000, or $145 per square foot.
Prices are up +25.3% from a year ago, so sellers still have some momentum. Homes take about 120 days to sell, which is slow. Over the long run, values in this county have grown 116% since 2000. Last year 4 of 10 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is winter weather, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $1,453 a month.
HUD sets the fair market rent for a 2-bedroom at $1,453 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2000–2025
0%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2005 (+20.5%). Worst: 2014 (-4.6%). Hover to read a year.
Monthly price momentum
Home values since 2015
+5.5%
NY · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,995
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
0%
2025 change
FHFA repeat-sales index, median of 10 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
21
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $25,726,417.
Mortgage activity
Home lending in this county
79.8%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 3516 | 2027 | 79.8% | 3.9% | $165,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Jefferson County, New York
The Jefferson County housing market is experiencing significant price appreciation, driven by limited inventory and steady demand linked to the Fort Drum military installation. While sales volume remains modest, the market is currently favoring sellers due to the tight supply of available homes.
6 distress filing(s) on the ARED verified county foreclosure ledger. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 3 cities · 10 ZIP reports
Median prices moved up 11.2% year over year.
Homes spend a median of 85 days on market with 1.5 months of supply — a fast-moving market.
4% of listings have cut prices · homes sell at 28.31% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.2% · poverty 13.6% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Owned and leased federal assets with active or excess status, per the General Services Administration's Real Estate Across the United States inventory (read 2026-09-25). A federal footprint read on this county — not a market valuation, and never an attribute of any individual property or tenant.
Deterministic aggregate of 10 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 16
researched Sep 18
researched Sep 19
researched Sep 16
researched Sep 16
researched Sep 20
researched Sep 20
researched Sep 16
researched Sep 16
researched Sep 16
| 13601 | Watertown | $208,886 | $120 | +4.5% | 70 | — | — | — | 187 | $1,011 | researched Sep 16 |
| 13603 | — | $165,000 | $115 | +3.2% | 42 | 98.5% | 12% | 4.7 | 85 | $1,627 | researched Sep 18 |
| 13605 | Adams | — | — | +25.3% | 120 | — | — | — | 24 | $740 | researched Sep 19 |
| 13619 | Carthage | $185,000 | $112 | +2.4% | 48 | 97.5% | 12% | 5.5 | 22 | $959 | researched Sep 16 |
| 13624 | Clayton | $330,000 | $255 | +4.2% | 68 | 97.5% | 12% | 5.2 | 42 | $1,088 | researched Sep 16 |
| 13634 | Dexter | $207,100 | $115 | +3.2% | 90 | 97.5% | 12% | 5.6 | 45 | $764 | researched Sep 20 |
| 13637 | Evans Mills | $289,000 | $118 | +4.2% | 65 | 97.5% | 12% | 5.9 | 83 | $1,337 | researched Sep 20 |
| 13640 | Wellesley Island | $330,500 | $165 | +2.5% | 120 | 96% | 12% | 7.5 | 15 | $1,450 | researched Sep 16 |
| 13656 | La Fargeville | $165,000 | $118 | +3.1% | 42 | 97.2% | 12.5% | 3.5 | 14 | $868 | researched Sep 16 |
| 13693 | Three Mile Bay | $187,000 | $135 | +2.5% | 120 | 96% | 15% | 6 | 12 | $1,100 | researched Sep 16 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
The economy is anchored by Fort Drum, which serves as a major regional employer and driver of local housing demand.
Property taxes in Jefferson County are administered at the local level with assessments managed by individual towns and cities; effective rates are generally high relative to the state average.
The rental market is characterized by steady demand, with a median asking rent of approximately $1,200 per month.
The economy is heavily influenced by the presence of the U.S. Army's Fort Drum, which is the primary economic engine for the region.
The county is served by Interstate 81, which acts as the primary north-south corridor connecting the region to Syracuse and Canada.
Assessments are conducted by local municipal assessors, with the county providing oversight and equalization services.
The county is served by various school districts and special utility districts, including water and sewer districts in more densely populated areas.
Property insurance premiums are influenced by regional weather patterns, including significant lake-effect snow exposure.
- Improbable Escapes: HQ (Downtown)4.827.1 mi
- Culligan Water Park4.428 mi
- Alex Bay 500 Go-Karts4.616.7 mi
- The Escape Works Inc57.2 mi
- Escape the Mystery Room4.96.1 mi
- Downtown Kingston4.626.9 mi
- Boldt Castle & Boldt Yacht House4.819.9 mi
- Slush Puppie Place4.326.9 mi
- Kingston 1000 Islands Cruises4.226.8 mi
- Isabel Bader Centre for the Performing Arts4.827.8 mi
- Boldt Castle & Boldt Yacht House4.819.9 mi
- Salmon Run Mall46.1 mi
- Uncle Sam Boat Tours4.619.6 mi
- Westcott Beach State Park4.312.8 mi
- Cedar Point State Park4.713.9 mi
- Fort Henry National Historic Site4.626 mi
- Boldt Castle & Boldt Yacht House4.819.9 mi
- Kingston Pen Tours4.728 mi
- Gananoque 1000 Islands Visitor Centre4.620.3 mi
- Great Lakes Museum4.626.8 mi
- Thousand Islands National Park4.719.7 mi
- Wellesley Island State Park4.717.8 mi
- Westcott Beach State Park4.312.8 mi
- Cedar Point State Park4.713.9 mi
- Joel Stone Heritage Park4.719.9 mi
- Swan Bay Resort & Marina4.716.5 mi
- Sun Outdoors Association Island4.115.9 mi
- Confederation Basin Marina4.426.8 mi
- The Ivy Lea Club4.420.4 mi
- Hucks Marine & Resort4.522.4 mi
- Ives Hill Country Club4.37.3 mi
- Willowbrook Golf Club4.24.9 mi
- Adams Country Club4.516.5 mi
- L a Golf Club4.312.5 mi
- Salmon Run Mall46.1 mi
- Fort Drum Exchange4.39.3 mi
- Price Chopper4.216.5 mi
- T.J. Maxx4.36.3 mi
- Burlington4.36.4 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
A world-renowned archipelago along the St. Lawrence River offering boating, fishing, and tourism.
Provides extensive shoreline access for recreation, fishing, and seasonal tourism.
Data retrieved from Census Reporter and Point2Homes.
applies when — Applies to residential rental property where at least 20% of units are subject to an agreement restricting occupancy to income-qualified tenants.
The assessed valuation must be determined using the income approach based on actual net operating income, excluding subsidies, tax credits, or grants used for development costs.
N.Y. Real Property Tax Law Section 581-A
New York is a judicial foreclosure state, meaning the lender must file a lawsuit in court to foreclose on a property. The process typically takes approximately one year from the start of the case to the sale of the home.
New York Real Property Actions and Proceedings Law
applies when — Applies to the sale of residential real property (up to four units).
Sellers are required to provide a Property Condition Disclosure Statement to the buyer. Failure to provide the statement may result in a credit of $500 to the buyer at closing. Knowingly false or incomplete statements may subject the seller to legal claims.
New York Real Property Law Article 14, Section 462
Real property is assessed by local jurisdictions based on a uniform percentage of value. The tax liability is calculated as (Assessed Value * Tax Rate) - Exemptions. Owners of one, two, or three-family owner-occupied residential property have the right to Small Claims Assessment Review (SCAR) to challenge assessments.
New York Real Property Tax Law Article 3 and 7
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.