New Listing
5
$229,900
Congress Ave
Saratoga Springs, NY 12866
Land7,405 sqft lot
Jack Minehan · Roohan Realty
View photos & details
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Saratoga Springs, NY Housing Market
Balanced market+7.3% YoY
Zillow, July 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, August 2026 · Refreshes weekly
The typical home in Saratoga Springs, NY is worth $664,058, rose 7.3% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $802,500, +13.8% year over year (through May 2026). With 4.1 months of supply and homes going under contract in about 30 days, Saratoga Springs is a balanced market. At today's 6.66% 30-year fixed rate, 20% down on a $664,058 home is about $3,414/mo in principal and interest.
Key numbers for Saratoga Springs, NY
Typical home value
$664,058
+7.3% in 12 months
Zillow, July 2026
Typical asking rent
$2,494/mo
Zillow Observed Rent Index
Zillow, July 2026
Median sale price
$802,500
+13.8% year over year
Redfin, through May 2026
Days on market
30
Average pace
Redfin, through May 2026
Active listings
91
4.1 months of supply
Redfin, through May 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$100,485
Home costs 6.6x income
U.S. Census ACS, 2023
Sale-to-list ratio
98.5%
Selling below asking
Redfin, through May 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 Springs a buyer's or seller's market?
Balanced market4.1 months of supply30 days on market98.5% of asking
Saratoga Springs, NY is a balanced market, based on 4.1 months of supply and homes selling in about 30 days. 4 to 5 months of supply is the neutral band: neither side holds a structural advantage, and outcomes turn on the individual property.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Saratoga Springs housing market data show?
Every row below is Redfin's final published month for Saratoga Springs, NY. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $802,500 |
| Median list price | $849,900 |
| Year-over-year price change | +13.8% |
| Median price per sq ft | $379/sq ft |
| Median days on market | 30 days |
| Active inventory | 91 listings |
| Months of supply | 4.1 months |
| Sale-to-list price ratio | 98.5% |
| Homes sold (that month) | 22 |
| New listings (that month) | 41 |
| Listings with a price cut | 15.4% |
| 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 Saratoga Springs is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Saratoga Springs 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 Springs home prices moved?
Over the last three years the median sale price in Saratoga Springs, NY rose 36.9%, from $586,000 to $802,500. The live Zillow value series has rose 7.3% in the last 12 months, which is the more current read now that Redfin's series has stopped. 15.4% of Saratoga Springs listings cut their asking price in the final Redfin month — a modest share, which is what a market looks like when sellers are pricing close to where homes actually clear. For prices to fall meaningfully from here, supply would have to keep building past 4.1 months while the sale-to-list ratio slips below its current 98.5%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Saratoga Springs?
Priced off the typical home value of $664,058 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% | $132,812 | $531,246 | $3,414/mo |
| 5% | $33,203 | $630,855 | $4,054/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 $3,414, that implies roughly $146,311 a year before you add taxes and insurance. The median household in Saratoga Springs earns $100,485, about $45,826 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 6.6x — 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 Saratoga Springs in the next 12 months?
Tell us your timeline. We send the Saratoga Springs 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 Springs?
Typical asking rent in Saratoga Springs, NY is $2,494/mo, against a typical home value of $664,058. That is a price-to-rent ratio of 22.2x, which means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Compared head to head, 20% down puts principal and interest at $3,414 a month — $920 more than renting before taxes and insurance, so the ownership case here rests on equity and appreciation rather than monthly cash flow.
Zillow, July 2026 for both value and rent
Add your own down payment, tax rate and time horizon in the rent vs. buy calculator.
Is inventory rising or falling in Saratoga Springs?
Active listings in Saratoga Springs, NY went from 110 in May 2025 to 91 in May 2026, a -17.3% 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 |
|---|---|---|
| June 2025 | 106 | 44 |
| July 2025 | 110 | 45 |
| August 2025 | 109 | 49 |
| September 2025 | 100 | 46 |
| October 2025 | 85 | 21 |
| November 2025 | 93 | 29 |
| December 2025 | 80 | 13 |
| January 2026 | 85 | 25 |
| February 2026 | 77 | 33 |
| March 2026 | 74 | 32 |
| April 2026 | 88 | 44 |
| May 2026 | 91 | 41 |
Redfin, through May 2026
How does Saratoga Springs compare to New York and the U.S.?
Saratoga Springs homes sell for $802,500 — 29% above the New York median of $620,500. Against the national median of $410,700, Saratoga Springs runs 95% higher. Year-over-year, Saratoga Springs moved +13.8% against New York's +5.1% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Saratoga Springs, NY | $802,500 | +13.8% | 30 days |
| New York statewide | $620,500 | +5.1% | 42 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Saratoga Springs
What buyers should watch
- Months of supply, currently 4.1. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 15.4%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $640 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 $664,058 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 Springs listing goes under contract in 30 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 98.5% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Saratoga Springs added 41 new listings against 22 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved +7.3% 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 Springs varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Saratoga Springs
There are currently 91 homes listed for sale in Saratoga Springs, New York. The median listing price is $850K. Featured listings range from $229,900 to $2,850,000.
New Listing
35
$449,900
1 Congress Ave
Saratoga Springs, NY 12866
3 bd2 ba1,453 sqft$310/ft²
House11,326 sqft lot
Jack Minehan · Roohan Realty
View photos & details
New Build
37
$579,500
152 Ingersoll Rd
Saratoga Springs, NY 12866
3 bd2 ba1,680 sqft$345/ft²
House20,038 sqft lot
Melanie Casey · Barkley Real Estate, LLC
View photos & details
New Build
6
$631,900
16 Wistmans Way
Saratoga Springs, NY 12866
3 bd3 ba2,477 sqft$255/ft²
Townhouse5,663 sqft lot
Sharon Byrne · Howard Hanna Capital Inc
View photos & details
New Build
11
$634,900
197 Ingersoll Rd
Saratoga Springs, NY 12866
3 bd3 ba1,775 sqft$358/ft²
House30,492 sqft lot
Scott Varley · KW Platform
View photos & details
New Listing
34
$675,000
12 Larkspur Dr
Saratoga Springs, NY 12866
4 bd3 ba2,252 sqft$300/ft²
House20,038 sqft lot
Charles Goodridge · Julie & Co Realty LLC
View photos & details
New Listing
36
$699,000
163 Grand Ave
Saratoga Springs, NY 12866
4 bd3 ba1,786 sqft$391/ft²
House4,792 sqft lot
Jaime Williams · Roohan Realty
View photos & details
New Build
19
$734,900
195 Ingersoll Rd
Saratoga Springs, NY 12866
4 bd3 ba2,640 sqft$278/ft²
House30,492 sqft lot
Scott Varley · KW Platform
View photos & details
New Build
30
$949,900
2 Wisteria Ct
Saratoga Springs, NY 12866
4 bd4 ba2,819 sqft$337/ft²
House20,909 sqft lot
Scott Varley · KW Platform
View photos & details
New Listing
20
$1,200,000
116 West Ave Unit 402
Saratoga Springs, NY 12866
2 bd2 ba1,638 sqft$733/ft²
Condo1,742 sqft lot
Scott Varley · KW Platform
View photos & details
New Listing
61
$1,249,900
7 Royal Henley Ct
Saratoga Springs, NY 12866
4 bd3 ba3,044 sqft$411/ft²
House23,522 sqft lot
Shannon Mccarthy · eXp Realty
View photos & details
New Build
31
$2,850,000
104 Regent St
Saratoga Springs, NY 12866
4 bd4 ba2,646 sqft$1077/ft²
House6,098 sqft lot
Steven Mcintyre · Split Rock Real Estate
View photos & details
Looking to buy in Saratoga Springs?
Get connected with a local real estate expert — free, no obligation.
Active listings
91
Homes on market
Median list price
$850K
Avg. days on market
30
Days until sale
New this week
41
Newly listed
Price drops:15.4%of listings
Sale-to-list:98.5%
How much do homes cost in Saratoga Springs by property type?
How the Saratoga Springs, NY market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $767,500 | $360/sq ft | 18 | 25 days |
| Condo / co-op | $1.50M | $1,300/sq ft | 3 | 183 days |
| Townhouse | $875,000 | $380/sq ft | 1 | 5 days |
Who lives in Saratoga Springs?
American Community Survey estimates for Saratoga Springs. U.S. Census ACS, 2023
Population
28,542
Households
13,077
Median income
$100,485/yr
Median age
42.3 years
Owner-occupied
57.5%
Median home value
$445,100
Median gross rent
$1,439/mo
Mean commute
26.2 min
57.5% of occupied homes in Saratoga Springs 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. The Census self-reported median home value is $445,100 against Zillow's $664,058 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions. Census median gross rent (all leases, including long-held ones) is $1,439/mo, below Zillow's $2,494/mo asking rent on new leases — the difference is roughly what a mover pays over a stayer.
Which public schools serve Saratoga Springs?
7 schools tracked · 5,409 students
The largest public schools serving Saratoga Springs, NY by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
SARATOGA SPRINGS HIGH SCHOOL
Grades 9-12 · 1,871 students
MAPLE AVENUE MIDDLE SCHOOL
Grades 6-8 · 1,406 students
DOROTHY NOLAN ELEMENTARY SCHOOL
Grades PK-5 · 638 students
DIVISION STREET ELEMENTARY SCHOOL
Grades K-5 · 391 students
LAKE AVENUE ELEMENTARY SCHOOL
Grades K-5 · 385 students
CAROLINE STREET ELEMENTARY SCHOOL
Grades K-5 · 366 students
GEYSER ROAD ELEMENTARY SCHOOL
Grades K-5 · 352 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Saratoga Springs, NY?
Ordered by distance from Saratoga Springs, not by size. Compare Saratoga Springs side by side with any of them.
Which ZIP codes are in Saratoga Springs?
These are the ZIP codes we see on active Saratoga Springs listings. Redfin did not publish a matching ZIP-level sale row for the same period, so we are not ranking them by price here — each ZIP page shows exactly what we hold for it.
Saratoga Springs housing market FAQ
Is Saratoga Springs a buyer's or seller's market?
Saratoga Springs, NY is currently a balanced market. That read comes from 4.1 months of supply, homes going under contract in about 30 days, and sellers getting 98.5% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Saratoga Springs?
The typical home in Saratoga Springs, NY is worth $664,058 (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $802,500, about $379 per square foot.
Is Saratoga Springs cheaper than the rest of New York?
Saratoga Springs's median sale price of $802,500 is 29% higher than the New York statewide median of $620,500, and 95% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Saratoga Springs?
Homes in Saratoga Springs, NY spent a median of 30 days on market before going under contract, versus 42 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 Springs?
At the current 30-year fixed rate of 6.66%, 20% down on a $664,058 home is about $3,414 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $146,311 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $100,485.
Are home prices rising in Saratoga Springs?
The typical home value in Saratoga Springs, NY rose 7.3% over the last 12 months, from $618,782 to $664,058 (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Saratoga Springs?
Saratoga Springs 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 Springs?
That depends on your timeline, not on a headline. What the data says today: Saratoga Springs, NY is a balanced market with 4.1 months of supply, the 30-year fixed rate is 6.66%, and the price-to-rent ratio of 22.2x means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Properties Incorporated publishes the data; it does not give financial advice.
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