Español

Este sitio también está en español. Leer en español

City · 16,065 residents · Jefferson County, New York

Fort Drum , New York

In Fort Drum, typical rent is $1,622 a month. Compared with all of Jefferson County, typical rent is 34% higher and typical household income is 6% lower.

WhatsApp

  • Typical rent

    $1,622a month

    34% above the county

    About the same as New York

    • Fort Drum
    • Jefferson
    • New York

  • Typical household income

    $62,291a year

    6% below the county

    28% below New York

    • Fort Drum
    • Jefferson
    • New York

Source: U.S. Census Bureau, Average 2020–2024

Fort Drum is in Jefferson County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Jefferson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fort Drum apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Ogdensburg, the typical rent is $778: 52% less than in Fort Drum ($1,622).

  2. The typical rent in Fort Drum is $1,622 a month, 34% more than in Jefferson County as a whole ($1,213).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Fort Drum

What homes there are in Fort Drum, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Homes here are varied: attached houses (townhouses) are 46% of them, more than in Jefferson County (7%), and no kind reaches half.

Year built

Homes in Fort Drum are newer: the typical year built is 2004; in Jefferson County, 1972.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

Without a mortgage

$356 a month

Jefferson County: $591 a month

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical rent in Fort Drum rose 16% over the same time; in Jefferson County, it rose 23%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureFort DrumJefferson CountyNew YorkUnited States
Rental vacancy Unreliable estimate4.4%3.8%5.5%
Homeowner vacancy Unreliable estimate1.9%1.1%0.9%
More than one person per room Unreliable estimate1.9%5.3%3.4%
People per household 2.762.322.492.53
Drive alone 65%78%49%69%
Carpool 11%8%6%9%
Public transit Unreliable estimateUnreliable estimate22%3%
Walk or bike 8%4%6%3%
Work from home 13%8%15%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Fort Drum are bigger: 2.76 people on average; in Jefferson County, 2.32.

Many people here do not commute at all: 13% work from home; in Jefferson County, 8%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Fort Drum?

The Census Bureau publishes no typical home value or typical household income for Fort Drum, so we don't measure how heavy the payment is. Enter your own numbers in the calculator. The Census Bureau publishes no typical home value for Fort Drum, so the calculator starts with the one for Jefferson County: $188,200. The rate is Freddie Mac’s weekly average (7.18%, November 5, 2026); yours may be different. The FHA and conventional loan limits are those of all of Jefferson County. Change the price, the down payment or the loan type and see how your payment changes.

The calculator's FHA and conventional loan limits are those of all of Jefferson County.

Your numbers

Local data
$

Starts at the typical home value in Fort Drum. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $6,587 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,655

at 7.18% · 30 years

Loan amount
$184,791
Total interest
$265,871
Paid off in
November 2056

Includes $3,178 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,453 a month

  • Tight

    $1,453 to $1,869 a month

    Your payment · 32%

  • Hard

    more than $1,869 a month

Compared with the typical household income in Fort Drum ($62,291 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,655
Principal & interest$1,252
Property tax$242
Home insurance$78
FHA mortgage insurance (MIP)$83

You need at least $6,587 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Fort Drum and Jefferson County

Fort Drum is in Jefferson County, New York. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Fort Drum's own numbers

Typical monthly rent
$1,622
Typical yearly household income
$62,291

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Jefferson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,453
Price change over 5 years (FHFA)
+34%
Homes in a high flood-risk zone
0%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Jefferson County.

Everything about Jefferson County

Buying

Buying a home in Fort Drum

The Census Bureau publishes no typical home value for Fort Drum. Below are the numbers for Jefferson County.

How prices have changed in Jefferson County

According to FHFA’s house price index, home prices in Jefferson County rose 42% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Jefferson County.

Period County New York U.S.
Last year (2025) +4.0% +6.0% +2.9%
5 years (2020–2025) +34% +52% +47%
10 years (2015–2025) +42% +86% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Fort Drum next to Jefferson County, New York and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical monthly rent
  • Fort Drum $1,622
  • Jefferson $1,213
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Fort Drum $62,291
  • Jefferson $66,301
  • New York $85,974
  • United States $80,734
See the full table
Fort Drum next to Jefferson County and New York
Measure Fort Drum Jefferson County New York U.S.
Typical monthly rent $1,622 $1,213 $1,621 $1,413
Typical yearly household income $62,291 $66,301 $85,974 $80,734
Renters with high rent for their income 56% 48% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Jefferson County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Fort Drum

The Census Bureau publishes no typical home value for Fort Drum, so we don't build this table. You can enter the price you're looking for in the calculator above.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Fort Drum and for Jefferson County.

Property tax

Data not available for this place

What New York publishes Basic STAR school tax relief (New York State Department of Taxation and Finance)

Exemptions and deadlines in New York

Flood risk in Jefferson County

FEMA does not publish these numbers by city: they are for all of Jefferson County.

Homes in the high-risk zone
0%
3
Of those, with NFIP insurance
—
County New York U.S.
Homes in the high-risk zone 0% 2% 3.5%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fort Drum

Typical rent in Fort Drum is $1,622 a month: 34% above the county. In Fort Drum, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Jefferson County, by unit size. To pay the 2-bedroom one ($1,453 a month) without spending more than 30% of your income, you would need to earn $27.94 an hour working full time.

HUD fair market rent for all of Jefferson County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,012 $19.46 $40,480
1 bedroom $1,111 $21.37 $44,440
2 bedrooms $1,453 $27.94 $58,120
3 bedrooms $1,995 $38.37 $79,800
4 bedrooms $2,376 $45.69 $95,040

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Fort Drum

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fort Drum has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,600 in 13602 to $1,800 in 13603.

2 of the 2 are above the fair market rent for Jefferson County ($1,453).

  • 13602 $1,600$2,190
  • 13603 $1,800$2,470

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fort Drum when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Fort Drum

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Jefferson County; none says it serves in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Fort Drum

No down payment, repair or rent-help program on our list is for Fort Drum or Jefferson County. The ones below are statewide in New York: they work in Fort Drum the same as in the rest of the state.

Which programs do I qualify for? All programs in New York

Housing counselors near Fort Drum

The HUD-approved agencies closest to the center of Fort Drum, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Neighbors of Watertown, Inc.

    112 Franklin St, Watertown · 10 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (315) 782-8497

  • City of Fulton Community Development Agency

    125 W Broadway, Fulton · 59 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (315) 593-7166

  • Syracuse Cooperative Federal Credit Union

    1816 Erie Blvd E, Syracuse · 71 miles away · Spanish

    Also serves in Swahili.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (315) 476-5290

Every agency in Jefferson County All counseling agencies in New York

Help in Spanish near Fort Drum

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Fort Drum

In HUD’s record, no housing authority with an office in Jefferson County is named for Fort Drum or Jefferson County.

2 other authorities have an office in Jefferson County: see the list Source: HUD

Cities

Other cities in Jefferson County

These cities are also in Jefferson County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Jefferson County Housing in New York

Nearby cities

The cities closest to Fort Drum, with the typical home value.

Neighboring counties

If Jefferson County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Fort Drum.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Fort Drum

Short answers with the numbers for Fort Drum and all of Jefferson County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does it cost to rent in Fort Drum?

Typical rent in Fort Drum is $1,622 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jefferson County is $1,453.

What is the FHA loan limit in Fort Drum?

Fort Drum uses the FHA limit for all of Jefferson County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

Where can I find free help to buy or rent in Fort Drum?

There is 1 HUD-approved counseling agency with an office in Jefferson County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).