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Featured local agent — Saratoga, AR
Sarah Mitchell
Compass Real Estate · Saratoga, AR
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Saratoga, AR Housing Market
The typical home in Saratoga, AR is worth $104,302, held roughly flat 0.5% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $35,900 (through May 2026). With homes going under contract in about 56 days, Saratoga is a leaning buyer's. At today's 6.66% 30-year fixed rate, 20% down on a $104,302 home is about $536/mo in principal and interest.
Key numbers for Saratoga, AR
Typical home value
$104,302
-0.5% in 12 months
Zillow, July 2026
Median sale price
$35,900
Last published period
Redfin, through July 2024
Days on market
56
Average pace
Redfin, through July 2024
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Zillow figures are as of July 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Saratoga a buyer's or seller's market?
Saratoga, AR is a leaning buyer's and homes selling in about 56 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Saratoga housing market data show?
Every row below is Redfin's final published month for Saratoga, AR. Redfin, through July 2024
| Metric | Value |
|---|---|
| Median sale price | $35,900 |
| Median price per sq ft | $21/sq ft |
| Median days on market | 56 days |
| Homes sold (that month) | 1 |
| Market condition | Leaning buyer's |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Saratoga is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Saratoga is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Saratoga home prices moved?
Across the 3 months we hold for Saratoga, AR, the median sale price fell 71.2%, from $124,600 in December 2021 to $35,900. The live Zillow value series has held roughly flat 0.5% in the last 12 months, which is the more current read now that Redfin's series has stopped.
Redfin, through July 2024 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Saratoga?
Priced off the typical home value of $104,302 at the current 6.66% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $20,860 | $83,441 | $536/mo |
| 5% | $5,215 | $99,086 | $637/mo |
Zillow, July 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $536, that implies roughly $22,981 a year before you add taxes and insurance. We do not hold a Census income figure for Saratoga, so we cannot compare that threshold to local earnings.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Saratoga in the next 12 months?
Tell us your timeline. We send the Saratoga market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Saratoga?
Zillow does not publish a rent index (ZORI) for Saratoga, AR, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Saratoga?
We hold fewer than two months of inventory readings for Saratoga, AR, so there is no trend to report yet.
How does Saratoga compare to Arkansas and the U.S.?
Saratoga homes sell for $35,900 — 87% below the Arkansas median of $275,500. Against the national median of $410,700, Saratoga runs 91% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Saratoga, AR | $35,900 | not published | 56 days |
| Arkansas statewide | $275,500 | +3.1% | 53 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through July 2024 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Saratoga
What buyers should watch
- The gap between 5% and 20% down here is $101 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $104,302 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Saratoga listing goes under contract in 56 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Your equity moved -0.5% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Saratoga varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Saratoga
Explore homes currently listed for sale in Saratoga, Arkansas across major real estate platforms.
How much do homes cost in Saratoga by property type?
How the Saratoga, AR market breaks down across single-family homes, condos and townhouses. Redfin, through July 2024
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $35,900 | $21/sq ft | 1 | 56 days |
Who lives in Saratoga?
American Community Survey estimates for Saratoga. U.S. Census ACS, 2023
Population
16
Households
7
Owner-occupied
100.0%
100.0% of occupied homes in Saratoga are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market.
Which cities are near Saratoga, AR?
Ordered by distance from Saratoga, not by size. Compare Saratoga side by side with any of them.
Saratoga housing market FAQ
Is Saratoga a buyer's or seller's market?
Saratoga, AR is currently a leaning buyer's based on the supply, pace-of-sale and sale-to-list data we hold for this city. Redfin's public market tracker last published in May 2026, so this classification will not move until a new source fills that gap.
How much do homes cost in Saratoga?
The typical home in Saratoga, AR is worth $104,302 (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $35,900, about $21 per square foot.
Is Saratoga cheaper than the rest of Arkansas?
Saratoga's median sale price of $35,900 is 87% lower than the Arkansas statewide median of $275,500, and 91% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Saratoga?
Homes in Saratoga, AR spent a median of 56 days on market before going under contract, versus 53 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Saratoga?
At the current 30-year fixed rate of 6.66%, 20% down on a $104,302 home is about $536 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $22,981 a year before taxes, insurance, HOA dues or mortgage insurance.
Are home prices rising in Saratoga?
The typical home value in Saratoga, AR held roughly flat 0.5% over the last 12 months, from $104,773 to $104,302 (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Saratoga?
Saratoga ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Saratoga?
That depends on your timeline, not on a headline. What the data says today: Saratoga, AR is a leaning buyer's, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $104,302, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.