Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$468,194+5.5% YoY · prices are rising fast
Market right nowSeller's marketMore homes for sale than last year, 13% have cut their price
Income needed to buy, per year$101,495About 1.0× the local median income ($101,168): a stretch for a typical household
Days on market61 daysFaster than a year ago: sellers have the edge
Next 12 months+3.7%Zillow expects prices to rise slightly
The typical home in Saratoga County, NY is worth $468,194, up 5.5% from a year ago. That is well above what local incomes have historically supported: fair value is about $420,986, so the area is 11.2% overvalued. It is a seller's market: homes take about 61 days to sell, listings are up 8% from a year ago, 13% of listings have had a price cut. Zillow expects prices to rise about 3.7% over the next year. A household needs about $101,495 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $101,168. Typical rent is $1,846 a month, or $2,604 for a house. In the latest IRS figures, 388 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$468,194
Change in 1 year
+5.5%
Overvalued %
+11.2%
Show 7 more
Fair home value
$420,986
Change in 5 years
+31.7%
Zillow forecast, next 12 months
+3.7%
Home value to income
4.6×
Monthly mortgage payment (20% down)
$2,537
Income needed to afford it
$101,495
Property tax rate
1.40%
Rent and investing
Typical rent
$1,846
Typical rent for houses
$2,604
Price-to-rent ratio
21.1×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$1,711
Gross rental yield
4.73%
Cap rate (estimate)
3.07%
Market activity
Listings vs a year ago
+8.4%
Days on market
61
Listings with a price cut
13.3%
Show 3 more
Homes for sale
621
Pending sales per 100 listings
90
Asking price per sq ft
$300
People and jobs
Median household income
$101,168
Population change (1 year)
+0.6%
Unemployment rate
3.3%
Show 4 more
Population
241,343
Income adjusted for cost of living
$101,574
Net moves in (IRS)
+388
Cost of living (US = 100)
99.6
Schools, risk and environment
School rating (1 to 10)
7.7
FEMA hazard risk score (0 to 100)
73.0
Unhealthy air days a year
0
Show 4 more
Flood risk score
83.3
Wildfire risk score
37.4
Walkability (1 to 20)
7.4
Road, rail and air noise
54 dB
Questions people ask
Is Saratoga County, NY overvalued?
Home prices in Saratoga County, NY are well above what local incomes have historically supported: fair value is about $420,986, so the area is 11.2% overvalued.
Is Saratoga County, NY a buyer's or seller's market?
Saratoga County, NY is a seller's market: homes take about 61 days to sell, listings are up 8% from a year ago, 13% of listings have had a price cut.
Are home prices going down in Saratoga County, NY?
Home values in Saratoga County, NY are up 5.5% over the last year. Zillow's forecast for the next 12 months is +3.7%.
How much do you need to earn to buy a home in Saratoga County, NY?
A household needs about $101,495 a year to afford the typical home in Saratoga County, NY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $101,168.