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Saratoga Springs city, NY

ZIP 12866 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12866

Median Home Value
$419,200
Median Rent
$1,350
Affordability Snapshot
$115,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,693/mo PITI).

16%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

25.9 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 12866 in Saratoga Springs city, NY, a household would need roughly $115,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,693. That is about 17% above the local median household income ($98,374), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
62.5%-4% vs US avg
x
Vacancy Rate
11.8%+14% vs US avg
x
Broadband Access
91.4%+5% vs US avg
x
4+ Bedrooms
4.8%-67% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
19.3%-61% vs US avg
x
Mortgage-Free
38.7%+1% vs US avg
x
$419,200
Home Value
$1,350
Rent
1981
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached52.3%
  • 1-unit attached6.1%
  • 2-9 units19.6%
  • 10+ units17.1%
  • Mobile home & other4.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$419,200
Median rent$1,350
Owner-occupied62.5%
Vacant11.8%
Price-to-income4.3x
Est. income to buy$115,000