Saratoga County, NY Average Home Price (2026)
The average home price in Saratoga County, New York is about $421,500 (the 2026 median across 22 ZIP codes, at ~$259/sq ft) — 27% more expensive than the New York median and 46% more expensive than the typical U.S. home.
How Saratoga County compares
Saratoga County is relatively expensive for housing nationally: its typical home costs $421,500 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $218,000 to $658,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Saratoga County | $421,500 | $259 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Saratoga County home prices by ZIP code
The 15 most valuable ZIP codes in Saratoga County (of 22 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 12866 Saratoga Springs | $658,000 | $435 | +56% |
| 12148 Rexford | $564,000 | $243 | +34% |
| 12019 Ballston Lake | $503,000 | $265 | +19% |
| 12065 Clifton Park | $490,000 | $270 | +16% |
| 12863 Rock City Falls | $485,000 | $338 | +15% |
| 12831 Gansevoort | $479,000 | $314 | +14% |
| 12118 Mechanicville | $474,000 | $288 | +12% |
| 12833 Greenfield Center | $452,000 | $298 | +7% |
| 12027 Burnt Hills | $438,000 | $239 | +4% |
| 12020 Ballston Spa | $435,000 | $294 | +3% |
| 12151 Round Lake | $434,000 | $298 | +3% |
| 12170 Stillwater | $409,000 | $285 | -3% |
| 12859 Porter Corners | $402,000 | $246 | -5% |
| 12188 Waterford | $387,000 | $253 | -8% |
| 12850 Middle Grove | $356,000 | $234 | -16% |
Home value appreciation in Saratoga County
Home prices in Saratoga County have risen about 73% over the last 10 years (≈5.7% a year) and +88.0% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +6.7% — still rising. A home worth $421,500 today was worth roughly $243,080 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, New York is +85.6% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Saratoga County
Run the numbers for Saratoga County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Saratoga County
To buy the typical $421,500 home in Saratoga County with 20% down, you need a household income of roughly $115,000 a year (about $2,680 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $136,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $21,100 | $3,330/mo | $143,000/yr |
| 10% (+PMI) | $42,200 | $3,180/mo | $136,000/yr |
| 20% | $84,300 | $2,680/mo | $115,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Saratoga County
At about $259 per square foot, here is roughly how much home different budgets get you in Saratoga County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 770 sq ft | below the local median — condos, smaller or older homes |
| $250k | 970 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1160 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1540 sq ft | around the typical home here |
| $500k | 1930 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to New York.
Estimate a specific home in Saratoga County
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Saratoga County home prices: frequently asked
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Browse all New York cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.