Neighbors of Watertown First Time Homebuyer Program
Assistance grant · Income limits
Down payment assistance · Jefferson County
Buying a home in Fort Drum, NY
1 county program and 3 statewide.Fort Drum has no program of its own, 1 across Jefferson County, and 3 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Fort Drum
No program of Fort Drum’s own yet
No program run for Fort Drum alone is listed. A home in Fort Drum can use Jefferson County’s programs below, plus the New York statewide and federal ones.
The closest city that runs its own program is Rome, about 60 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in JeffersonAnywhere in Jefferson County
1 county program1 county program a Fort Drum homebuyer can use
The Fort Drum marketThe Fort Drum housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Fort Drum
- 13.5% single-familysingle-family
- 45.7% townhousetownhouse
- 30.8% 2–4 units2–4 units
- 10% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
About condos. Fort Drum’s one local program does not list condos as eligible. Neighbors of Watertown First Time Homebuyer Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Fort Drum’s homes were built
pre-19401970s2020+
16.5%
of Fort Drum homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$86,600
County area median income, 4 people (HUD)HUD area median income, Jefferson County, 4-person household (2026)
$62,291
Fort Drum median household incomeMedian household income in Fort Drum (Census, 2024)
9 of the 66 programs here set their income limit as a share of Jefferson County’s area median income, adjusted for household size. See the published limits for Jefferson County
Free help nearbyFree help near Fort Drum
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Fort Drum’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Neighbors of Watertown First Time Homebuyer Program asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across New York and nationwide
65 statewide & federal programs3 statewide programs, plus federal options
Fort Drum questions
Does Fort Drum have its own down payment program?
No program run for Fort Drum alone is listed. A home in Fort Drum can use the 1 program that cover Jefferson County and the 3 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Fort Drum?
Fort Drum’s one local program does not list condos as eligible. Neighbors of Watertown First Time Homebuyer Program lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Jefferson County?
Each program sets its own. 9 of the programs here set theirs as a share of HUD’s area median income for Jefferson County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Fort Drum?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Fort Drum. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
13602
Nearby in Jefferson
Sources
Sources: agency sites (July–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.