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.

Home Value$3,991,120

+2.6%

Rent$4,460/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Saratoga.

Income (annual)

Down Payment

$798,224 on $3,991,120

Example: $75,000 household income. Change it above to see your own.

Out of reach363.1% of income

Need $972,557/yr to afford.

PITI$22,693

P/I363.1%

Afford$308K

Gap-$3.68M

P&I $20,181Tax $2,361Ins $150

Renting $18,233/mo cheaper ($4,460 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in California

Compare Saratoga with other housing markets across California.

Atherton$7.52M Los Altos Hills$5.8M Montecito$5.25M Hidden Hills$4.99M Hillsborough$4.95M Los Altos$4.45M Belvedere$4.42M Rancho Santa Fe$4.19M

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

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Saratoga, CA