Saratoga County, New York Housing Market
In Saratoga County, New York, the median home value is $348,600, with a median monthly rent of $1,394. This places Saratoga County at #424 nationally out of 3134 counties by median home value, and #14 within New York.
📈 Price Trend (2017 → 2024)
📊 Recent Market Momentum (FHFA HPI)
FHFA House Price Index — All-Transactions, Annual (2000 = 100) · Latest: 2025
📍 Economic Snapshot
Employment & Wages
- Avg weekly wage: $1,332
- Establishments: 6,273
- BLS QCEW, 2025
Housing Supply
- Single-family: 813
- Multi-family: 71
- U.S. Census Bureau, Building Permits Survey
Migration Patterns
- Inflow: 106,324 (avg $124,472)
- Outflow: 102,235 (avg $123,706)
- IRS Statistics of Income
📍 Sub-Market Activity
Top 10 active ZIP codes in Saratoga County · Latest: 2025
| # | ZIP Code | HPI | YoY Change | Latest Year |
|---|---|---|---|---|
| 1 | 12822 | 310.9 | +11.00% | 2025 |
| 2 | 12828 | 306.5 | +8.40% | 2025 |
| 3 | 12170 | 321.1 | +13.59% | 2025 |
| 4 | 12074 | 296.9 | +15.58% | 2025 |
| 5 | 12833 | 334.6 | +13.90% | 2025 |
| 6 | 12850 | 330.1 | +12.86% | 2025 |
| 7 | 12831 | 325.2 | +13.30% | 2025 |
| 8 | 12027 | 297.7 | +1.77% | 2025 |
| 9 | 12188 | 265.5 | -2.83% | 2025 |
| 10 | 12302 | 302.7 | +5.53% | 2025 |
Source: FHFA HPI for Five-Digit ZIP Codes (All-Transactions Index, 2000 = 100).
This product uses FHFA Data but is neither endorsed nor certified by FHFA.
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💰 Mortgage Guide → 🧾 Property Tax Data →How Saratoga County Compares
| Metric | Saratoga County | New York Average | U.S. Average |
|---|---|---|---|
| Median Home Value | $348,600 | $281,200 | $227,706 |
| Median Gross Rent | $1,394 | $1,168 | $968 |
| Owner Occupancy Rate | 72.3% | 69.3% | 73.3% |
| Price/Rent Ratio | 20.8 | 18.4 | 18.7 |
Market Analysis
The median home value in Saratoga County is 24.0% above the New York state average and 53.1% above the U.S. national average. The median rent of $1,394/month is 19.3% above the state average.
With a price-to-rent ratio of 20.8, renting is generally more cost-effective than buying in the short to medium term. The market favors buyers only for long-term holds.
Saratoga County has an owner-occupancy rate of 72.3%, compared to 69.3% in New York and 73.3% nationally. This indicates a more renter-heavy market than the U.S. average.
Similar Counties by Home Value
| County | State | Median Home Value | Median Rent |
|---|---|---|---|
| Ellis County | Texas | $348,600 | $1,594 |
| Inyo County | California | $348,700 | $1,189 |
| Laramie County | Wyoming | $348,700 | $1,160 |
| Warren County | Virginia | $348,400 | $1,199 |
| Lincoln County | South Dakota | $348,300 | $1,260 |
Other Counties in New York
| County | Median Home Value | Median Rent | Owner Occ. |
|---|---|---|---|
| Columbia County | $347,100 | $1,260 | 76.3% |
| Ulster County | $352,500 | $1,425 | 69.9% |
| Orange County | $387,900 | $1,680 | 67.8% |
| Dutchess County | $400,600 | $1,582 | 69.2% |
| Albany County | $294,600 | $1,313 | 56.6% |
Data Source: U.S. Census Bureau, American Community Survey (ACS) 2024 5-Year Estimates (2017–2024). Variables: B25077 (Median Home Value), B25064 (Median Gross Rent), B25003 (Tenure). Data collected on 2026-10-14. The price-to-rent ratio is calculated as Median Home Value ÷ (Median Monthly Rent × 12).