Housing affordability · NY · 2024
Saratoga Housing Affordability
46th cheapest of 62 NY counties by price-to-income ratio · 2212th of 3,216 nationally · tier rated on the national scale
Saratoga at a glance
Saratoga sits in the moderate range for housing costs — the price-to-income ratio of 3.5× is below the New York state median, and renters face below-average cost burden by state standards.
At Saratoga's median household income of $100,787, a renter paying the median monthly rent of $1,394 would commit 17% of gross annual income to housing — below the 30% threshold widely used to define cost burden.
39% of Saratoga renters spend more than 30% of their income on housing — the share of the renter population classified as cost-burdened.
For owner-occupied households, 12% spend more than 30% of their income on housing costs — below the NY rate of 19%.
Saratoga FAQ
What is the median home price in Saratoga?
The median home value in Saratoga, NY is $348,600 (2024 ACS 5-year estimate). This is 18% below the New York state median of $423,800.
Is Saratoga an affordable place to buy a home?
Saratoga is rated Moderate on the USInsights affordability scale. The price-to-income ratio is 3.5×, meaning the median home costs roughly 3.5 years of median household income ($100,787). 3.5×–5.0× indicates moderate pressure.
What is the average rent in Saratoga?
The median gross rent in Saratoga is $1,394 per month (2024 ACS 5-year estimate). 39% of renters spend more than 30% of their income on housing. The New York state median is $1,621.
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