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Featured local agent — Saddle Rock Estates, NY
Sarah Mitchell
Compass Real Estate · Saddle Rock Estates, NY
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Saddle Rock Estates, NY Housing Market
The last median sale price Redfin published was $3.35M (through May 2026). With 2.0 months of supply and homes going under contract in about 173 days, Saddle Rock Estates is a balanced market. At today's 7.03% 30-year fixed rate, 20% down on a $3.35M home is about $17,884/mo in principal and interest.
Key numbers for Saddle Rock Estates, NY
Median sale price
$3.35M
Last published period
Redfin, through April 2026
Days on market
173
Slow-moving
Redfin, through April 2026
Active listings
2
2.0 months of supply
Redfin, through April 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$159,479
Home costs 21.0x income
U.S. Census ACS, 2023
Sale-to-list ratio
90.7%
Selling below asking
Redfin, through April 2026
Zillow figures 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 Saddle Rock Estates a buyer's or seller's market?
Saddle Rock Estates, NY is a balanced market, based on 2.0 months of supply and homes selling in about 173 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Saddle Rock Estates housing market data show?
Every row below is Redfin's final published month for Saddle Rock Estates, NY. Redfin, through April 2026
| Metric | Value |
|---|---|
| Median sale price | $3.35M |
| Median list price | $1.66M |
| Median price per sq ft | $670/sq ft |
| Median days on market | 173 days |
| Active inventory | 2 listings |
| Months of supply | 2.0 months |
| Sale-to-list price ratio | 90.7% |
| Homes sold (that month) | 1 |
| New listings (that month) | 1 |
| Market condition | Balanced market |
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 Saddle Rock Estates is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Saddle Rock Estates 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 Saddle Rock Estates home prices moved?
Across the 20 months we hold for Saddle Rock Estates, NY, the median sale price rose 109.4%, from $1.60M in April 2021 to $3.35M. For prices to fall meaningfully from here, supply would have to keep building past 2.0 months while the sale-to-list ratio slips below its current 90.7%. Watch those two together — they move before the median does.
Redfin, through April 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Saddle Rock Estates?
Priced off the median sale price of $3.35M at the current 7.03% 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% | $670,000 | $2.68M | $17,884/mo |
| 5% | $167,500 | $3.18M | $21,237/mo |
Redfin, through April 2026 for the price · Freddie Mac via FRED, September 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 $17,884, that implies roughly $766,463 a year before you add taxes and insurance. The median household in Saddle Rock Estates earns $159,479, about $606,984 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the median sale price to fit the 28% rule. That puts the price-to-income ratio at 21.0x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Saddle Rock Estates in the next 12 months?
Tell us your timeline. We send the Saddle Rock Estates 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 Saddle Rock Estates?
Zillow does not publish a rent index (ZORI) for Saddle Rock Estates, NY, 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 Saddle Rock Estates?
Active listings in Saddle Rock Estates, NY went from 3 in April 2021 to 2 in April 2026, a -33.3% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| May 2021 | 5 | 2 |
| June 2021 | 3 | 1 |
| July 2021 | 3 | 1 |
| August 2021 | 2 | not published |
| April 2023 | 1 | 1 |
| September 2024 | 1 | not published |
| November 2024 | 2 | 1 |
| January 2025 | 2 | not published |
| March 2025 | 2 | not published |
| December 2025 | 1 | not published |
| February 2026 | 1 | 2 |
| April 2026 | 2 | 1 |
Redfin, through April 2026
How does Saddle Rock Estates compare to New York and the U.S.?
Saddle Rock Estates homes sell for $3.35M — 440% above the New York median of $620,500. Against the national median of $410,700, Saddle Rock Estates runs 716% higher.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Saddle Rock Estates, NY | $3.35M | not published | 173 days |
| New York statewide | $620,500 | +5.1% | 42 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through April 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Saddle Rock Estates
What buyers should watch
- Months of supply, currently 2.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The gap between 5% and 20% down here is $3,353 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $3.35M 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 Saddle Rock Estates listing goes under contract in 173 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 90.7% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Saddle Rock Estates added 1 new listings against 1 sales — more clearing than arriving, which is the better window to list.
- Comparable ZIP-level pricing inside Saddle Rock Estates varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Saddle Rock Estates
There are currently 2 homes listed for sale in Saddle Rock Estates, New York. The median listing price is $1.7M.
Active listings
2
Homes on market
Median list price
$1.7M
Avg. days on market
173
Days until sale
New this week
1
Newly listed
How much do homes cost in Saddle Rock Estates by property type?
How the Saddle Rock Estates, NY market breaks down across single-family homes, condos and townhouses. Redfin, through April 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $3.35M | $670/sq ft | 1 | 173 days |
Who lives in Saddle Rock Estates?
American Community Survey estimates for Saddle Rock Estates. U.S. Census ACS, 2023
Population
351
Households
101
Median income
$159,479/yr
Median age
36.3 years
Owner-occupied
100.0%
Median home value
$1.57M
Mean commute
36.7 min
100.0% of occupied homes in Saddle Rock Estates 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 Saddle Rock Estates, NY?
Ordered by distance from Saddle Rock Estates, not by size. Compare Saddle Rock Estates side by side with any of them.
Saddle Rock Estates housing market FAQ
Is Saddle Rock Estates a buyer's or seller's market?
Saddle Rock Estates, NY is currently a balanced market. That read comes from 2.0 months of supply, homes going under contract in about 173 days, and sellers getting 90.7% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Saddle Rock Estates?
The median sale price in the last month Redfin published was $3.35M, about $670 per square foot.
Is Saddle Rock Estates cheaper than the rest of New York?
Saddle Rock Estates's median sale price of $3.35M is 440% higher than the New York statewide median of $620,500, and 716% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Saddle Rock Estates?
Homes in Saddle Rock Estates, NY spent a median of 173 days on market before going under contract, versus 42 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Saddle Rock Estates?
At the current 30-year fixed rate of 7.03%, 20% down on a $3.35M home is about $17,884 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $766,463 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $159,479.
Are home prices rising in Saddle Rock Estates?
We do not hold a complete 12-month value series for Saddle Rock Estates, NY yet, so we are not going to call a direction. The price chart above shows every period we do have.
What are the cheapest ZIP codes in Saddle Rock Estates?
Saddle Rock Estates 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 Saddle Rock Estates?
That depends on your timeline, not on a headline. What the data says today: Saddle Rock Estates, NY is a balanced market with 2.0 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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