The median home in Saratoga, California is valued at $3,991,120, up 2.6% year over year. Typical monthly rent is $4,460, producing a price-to-rent ratio of 74.6x — well above the national average of 18x. Saratoga is part of the San Jose-Sunnyvale-Santa Clara, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$3,991,120
+2.6%
Rent$4,460/mo
AFFORDABILITYRenting $18,233/mo cheaper ($4,460 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.
Enter your income for Saratoga.
$798,224 on $3,991,120
Out of reach — 363.1% of income
Need $972,557/yr to afford.
PITI$22,693
P/I363.1%
Afford$308K
Gap-$3683K
P&I $20,181Tax $2,361Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in California
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Full San Jose-Sunnyvale-Santa Clara, CA analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the San Jose-Sunnyvale-Santa Clara, CA metro.
View San Jose-Sunnyvale-Santa Clara, CA metro →