Saratoga County, New York home prices
Typical home $468,194 · +5.5% in a year · property tax 1.4%
The typical home in Saratoga County is worth $468,194, 11% less than the New York typical home ($524,942). Values changed +5.5% in the past year and +31.7% over five years. Homeowners here pay a median 1.4% of their home's value in property tax each year ($6,547 on the typical home), versus 1.42% statewide.
Mortgage on the typical Saratoga County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $93,639 | $374,555 | $2,520 | $0 | $780 | $3,299 | $141,400 |
| 10% down | $46,819 | $421,375 | $2,835 | $176 | $780 | $3,790 | $162,400 |
| 5% down | $23,410 | $444,785 | $2,992 | $185 | $780 | $3,957 | $169,600 |
| 3.5% down (FHA) | $16,387 | $459,714 | $3,093 | $207 | $780 | $4,079 | $174,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.4% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in New York · part of the Albany metro area.
New York counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Orange County | $467,501 | +3.5% | 2.19% |
| Ulster County | $451,636 | +3.6% | 1.77% |
| Columbia County | $489,917 | +5.6% | 1.4% |
| Bronx County | $503,721 | +5.8% | 1.03% |
| Dutchess County | $504,887 | +5.7% | 1.89% |
| Warren County | $380,651 | +5.7% | 1.47% |
| Albany County | $372,401 | +4.1% | 1.77% |
| Greene County | $368,122 | +3.7% | 1.49% |
| Putnam County | $575,184 | +5.5% | 2.12% |
| Tompkins County | $350,432 | +3.5% | 2.24% |
Frequently asked questions
What is the average home price in Saratoga County, NY?
The typical home value in Saratoga County is $468,194 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Saratoga County?
About $141,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Saratoga County?
The median effective rate is 1.4% of home value a year (Census ACS 2024 5-year estimates).