How much do homeowners pay a month in Saratoga Springs, NY?

Name: Homeowner costs in Saratoga Springs, NY, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Saratoga Springs, NY pay a median of $2,554 (±$143) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $850 (±$61).

61.1% of owned homes carry a mortgage.

In Saratoga Springs, the median monthly cost with a mortgage went from $2,194 in 2015–2019 to $2,554 in 2020–2024 (+16.4%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Figures last updated on November 12, 2026.

With a mortgage: $2,554 (±$143)
Without a mortgage: $850 (±$61)
Owned with a mortgage: 61.1%

Monthly owner costs in Saratoga Springs

Median selected monthly owner costs, estimate (90% margin of error)
	Saratoga Springs	Saratoga County	New York	United States
With a mortgage	$2,554 (±$143)	$2,088 (±$40)	$2,555 (±$9)	$1,963
Without a mortgage	$850 (±$61)	$764 (±$22)	$958 (±$5)	$638
Owned homes with a mortgage	61.1% (±3.9 points)	62.2% (±1.3 points)	57.8% (±0.2 points)	60.6%
Median real estate taxes (a year)	$5,933 (±$339)	$4,875 (±$103)	$6,582 (±$21)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Saratoga Springs, the median cost with a mortgage is higher than in Saratoga County ($2,088).

It is not measurably different from New York ($2,555).

It is higher than the national figure ($1,963).

In Saratoga County, Saratoga Springs ranks 1 of 21 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 93 of 999.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Saratoga Springs have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$2,194 (±$100)	$2,554 (±$143)	+16.4%	No measurable change after inflation
Median real estate taxes	$5,380 (±$329)	$5,933 (±$339)	+10.3%	Down after inflation
Median home value	$365,900 (±$11,450)	$478,100 (±$31,816)	+30.7%	No measurable change after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Saratoga Springs

Nearest places with a published estimate, compared with Saratoga Springs
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Saratoga Springs	—	$2,554 (±$143)	—
Milton (community, Saratoga County)	4.4 mi	$1,991 (±$217)	Lower
North Ballston Spa	5.0 mi	$1,438 (±$438)	Lower
Village of Ballston Spa	5.8 mi	$1,938 (±$148)	Lower
Town of Malta	5.9 mi	$2,193 (±$161)	Lower
Town of Milton	6.2 mi	$1,890 (±$99)	Lower
Town of Wilton	6.4 mi	$2,158 (±$196)	Lower
Town of Greenfield	6.8 mi	$2,313 (±$237)	Not measurably different
Town of Saratoga	6.8 mi	$1,970 (±$153)	Lower

Nearby places with a measurably lower figure: Milton (community, Saratoga County), NY ($1,991), North Ballston Spa, NY ($1,438), Village of Ballston Spa, NY ($1,938).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Saratoga County, place by place

Rank	Place	Median monthly cost with a mortgage
1	Saratoga Springs	$2,554 (±$143)
2	Town of Greenfield	$2,313 (±$237)
3	Town of Clifton Park	$2,281 (±$69)
4	Town of Ballston	$2,198 (±$129)
5	Town of Malta	$2,193 (±$161)
6	Town of Galway	$2,183 (±$149)
7	Town of Halfmoon	$2,181 (±$90)

Showing 7 of 21 places in Saratoga County, ranked from highest to lowest.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Saratoga Springs

What is the average mortgage payment in Saratoga Springs?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Saratoga Springs, NY is $2,554 (±$143) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Saratoga Springs?

Owners without a mortgage in Saratoga Springs pay a median of $850 (±$61) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Saratoga Springs gone up?

In Saratoga Springs, the median monthly cost with a mortgage went from $2,194 in 2015–2019 to $2,554 in 2020–2024 (+16.4%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Saratoga Springs city, Saratoga County, New York (county subdivision:65255, in state:36 county:091).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.