The story of this market
The typical home in Saratoga County, New York sells for about $629,800, or $245 per square foot.
Prices are up +4.2% from a year ago, so sellers still have some momentum. Homes take about 58 days to sell. Over the long run, values in this county have grown 170% since 2000. Last year 41 of 57 neighborhoods saw prices rise, so the story isn't the same street to street. HUD's fair market rent for a two-bedroom is $1,711 a month.
HUD sets the fair market rent for a 2-bedroom at $1,711 a month. FEMA's National Risk Index rates overall hazard risk here as Very Low.
Price climate
Every year of price change, 2000–2025
+3.1%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2004 (+15.6%). Worst: 2009 (-1.6%). Hover to read a year.
Monthly price momentum
Home values since 2015
+5.5%
NY · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$2,039
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+3.1%
2025 change
FHFA repeat-sales index, median of 57 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
14
Very Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $52,968,586.
Mortgage activity
Home lending in this county
81.7%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 10366 | 6302 | 81.7% | 2.9% | $275,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Saratoga County, New York
Saratoga County's housing market remains competitive, characterized by low inventory and sustained demand, particularly in the Saratoga Springs area. While median listing prices have moderated slightly from their peak, the market continues to show resilience driven by regional economic growth and high quality of life. Buyers should expect a fast-paced environment with limited supply for well-priced properties.
1 distress filing(s) on the ARED verified county foreclosure ledger. Key-figure check: median price diverges 19.1% from the nearest retained anchor (published ten-year series (2026)) — beyond the 12.5% tolerance; an automated validation case is open and the value publishes pending its verdict.
Select a city to expand its ZIP intel reports beneath · 23 cities · 25 ZIP reports
Median prices moved up 13.7% year over year.
Homes spend a median of 56 days on market with 0.5 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 57.53% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.4% · poverty 5.2% — a stable, low-distress profile.
Deterministic aggregate of 23 researched ZIP reports of 25 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Saratoga County, New York — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 7.9%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 16
researched Sep 16
researched Sep 16
researched Sep 16
researched Sep 16
researched Sep 17
researched Sep 19
researched Sep 18
researched Sep 19
researched Sep 20
| 12019 | Charlton | $560,000 | $225 | 0% | 7 | 104.8% | — | — | 69 | $1,242 | researched Sep 16 |
| 12020 | Ballston Spa | $462,400 | $269 | +22% | 43 | 98.5% | 15% | 3.5 | 43 | $1,612 | researched Sep 16 |
| 12050 | — | $234,100 | $178 | +5.4% | 14 | — | — | — | 43 | $1,711 | researched Sep 16 |
| 12059 | East Berne | $358,000 | $226 | +5.1% | 47 | — | — | — | 22 | $985 | researched Sep 16 |
| 12065 | Clifton Park | $515,192 | $229 | +2.4% | 5 | 100% | — | 2.7 | 178 | $1,495 | researched Sep 16 |
| 12074 | Galway | $359,940 | $178 | +7% | 19 | 100% | — | 2.4 | 70 | $1,560 | researched Sep 17 |
| 12086 | Hagaman | $320,000 | $285 | +2.1% | 24 | 98.5% | 12% | 3.2 | 89 | $898 | researched Sep 19 |
| 12118 | Mechanicville | $315,100 | $165 | +3.2% | 42 | 98.5% | 18% | 4.1 | 115 | $1,122 | researched Sep 18 |
| 12134 | Edinburg | $328,000 | $185 | +4.2% | 55 | 98.5% | 12% | 4.8 | 42 | $891 | researched Sep 19 |
| 12151 | Round Lake | $329,236 | $197 | +6.2% | 35 | — | — | — | 956 | $1,615 | researched Sep 20 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Saratoga County maintains lower crime rates compared to the broader New York state average, with property and violent crime trends remaining stable in recent years.
The county is served by highly-regarded public school districts, including Saratoga Springs City School District and Shenendehowa Central School District, which consistently rank well for academic performance.
The region faces moderate risks from seasonal flooding in low-lying areas near the Hudson and Mohawk rivers, while wildfire risk remains low due to the temperate climate.
Economic momentum is driven by the GlobalFoundries semiconductor manufacturing facility in Malta and a robust tourism sector centered on Saratoga Springs, fueling ongoing residential and commercial development.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (New York) — Income-Based Assessment for Affordable Rental Housing: The assessed valuation must be determined using the income approach based on actual net operating income, excluding subsidies, tax credits, or grants used for development costs. State (New York) — Real Property Tax Assessment: Real property is assessed by local jurisdictions based on a uniform percentage of value. The tax liability is calculated as (Assessed Value * Tax Rate) - Exemptions.
The economy is anchored by high-tech manufacturing, healthcare, and a strong tourism and hospitality sector centered on the Saratoga Springs area.
The county is served by I-87 (the Northway), providing a primary corridor for commuters traveling to Albany, with limited public transit options outside of the urban centers.
The Saratoga County Real Property Tax Service Agency oversees assessment standards, though individual towns and cities maintain their own local assessment rolls.
The county includes various special districts for fire protection, water, and sewer services, which are managed at the town or village level.
Property insurance premiums are stable, though homeowners in designated flood zones near major waterways face higher costs and mandatory coverage requirements.
- Great Escape Theme Park425.1 mi
- Great Escape Lodge & Indoor Waterpark3.925.1 mi
- Urban Air Trampoline and Adventure Park4.323.7 mi
- Liberty Ridge Farm4.316.7 mi
- Dave & Buster's Albany4.124 mi
- Crossgates Mall4.324.1 mi
- Saratoga Performing Arts Center (SPAC)4.56.8 mi
- Great Escape Theme Park425.1 mi
- MVP Arena4.328.1 mi
- Saratoga Race Course4.79 mi
- VIA Aquarium4.315.7 mi
- Proctors4.715.2 mi
- Saratoga Spa State Park4.87.1 mi
- Saratoga National Historical Park4.814.6 mi
- Moreau Lake State Park4.617.6 mi
- New York State Capitol4.627.8 mi
- New York State Museum4.728 mi
- Saratoga National Historical Park4.814.6 mi
- Saratoga Automobile Museum4.66.8 mi
- Children's Museum at Saratoga4.57.7 mi
- Saratoga Spa State Park4.87.1 mi
- Saratoga National Historical Park4.814.6 mi
- Moreau Lake State Park4.617.6 mi
- Wilton Town Gavin Park4.511.3 mi
- Central Park4.616.1 mi
- Lee's Park4.311.1 mi
- Town of Stillwater Brown's Beach4.310.3 mi
- Mohawk Harbor4.614.3 mi
- Albany Yacht Club4.528.9 mi
- Point Breeze Marine3.710.9 mi
- Saratoga National Golf Club4.59.9 mi
- Eagle Crest Golf Club4.410.6 mi
- Saratoga Spa Golf Course4.47.2 mi
- Saratoga Lake Golf Club4.111 mi
- Brookhaven Golf Course4.510.8 mi
- Wilton Mall3.911.1 mi
- Market 324.17.7 mi
- Marshalls & HomeGoods4.314.4 mi
- Bowman Orchards4.115.7 mi
- Fred the Butcher4.716.9 mi
- Albany International Airport4.120.8 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
A historic thoroughbred horse racing track that serves as a major regional anchor and summer destination.
Features mineral springs, golf courses, and extensive hiking trails, serving as a primary recreational hub.
Provides significant boating, fishing, and seasonal residential opportunities for the county.
Data retrieved from data.census.gov; figures reflect county-wide averages.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
applies when — Applies to residential rental property where at least 20% of units are subject to an agreement restricting occupancy to income-qualified tenants.
The assessed valuation must be determined using the income approach based on actual net operating income, excluding subsidies, tax credits, or grants used for development costs.
N.Y. Real Property Tax Law Section 581-A
New York is a judicial foreclosure state, meaning the lender must file a lawsuit in court to foreclose on a property. The process typically takes approximately one year from the start of the case to the sale of the home.
New York Real Property Actions and Proceedings Law
applies when — Applies to the sale of residential real property (up to four units).
Sellers are required to provide a Property Condition Disclosure Statement to the buyer. Failure to provide the statement may result in a credit of $500 to the buyer at closing. Knowingly false or incomplete statements may subject the seller to legal claims.
New York Real Property Law Article 14, Section 462
Real property is assessed by local jurisdictions based on a uniform percentage of value. The tax liability is calculated as (Assessed Value * Tax Rate) - Exemptions. Owners of one, two, or three-family owner-occupied residential property have the right to Small Claims Assessment Review (SCAR) to challenge assessments.
New York Real Property Tax Law Article 3 and 7
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.