The median home in Saratoga Springs, New York is valued at $610,717, up 2.6% year over year. Typical monthly rent is $2,053, producing a price-to-rent ratio of 24.8x — well above the national average of 18x. Saratoga Springs is part of the Albany-Schenectady-Troy, NY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$610,717

+2.6%

Rent$2,053/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Saratoga Springs.

Income (annual)

Down Payment

$122,143 on $610,717

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

Out of reach65.8% of income

Need $176,271/yr to afford.

PITI$4,113

P/I65.8%

Afford$260K

Gap-$351K

P&I $3,088Tax $875Ins $150

Renting $2,060/mo cheaper ($2,053 rent)6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

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

Other cities in New York

Compare Saratoga Springs with other housing markets across New York.

Sagaponack$7.21M Water Mill$4.54M Bridgehampton$4.44M Wainscott$3.78M Sands Point$3.18M Amagansett$2.97M Old Westbury$2.85M Quogue$2.77M

Full Albany-Schenectady-Troy, NY analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Albany-Schenectady-Troy, NY metro.

View Albany-Schenectady-Troy, NY metro

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Saratoga Springs, NY