Cost of Living in Saratoga Springs, NY
Population 28,542 · New York · Data vintage 2023
(100 = US avg)
Most of Saratoga Springs's cost indicators track within a reasonable band of national figures, with median household incomes near $100,485 — a more representative starting point for relocation math than the headline-expensive or headline-cheap cities on either tail. An unemployment rate of 2.3% points to a labor market well on the tight side of the national distribution.
Located 30 miles north of Albany, Saratoga Springs falls within that metro's commuting orbit. Median home values run roughly 100% higher than Albany's $223,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Saratoga Springs
The median home value in Saratoga Springs is $445,100 — 46% above the national median of $305,000. Median rent runs $1,439/month, 10% higher than the national median of $1,314/month. The median household income of $100,485/year is 35% higher than the US median of $74,580. The local unemployment rate is 2.3%, below the national average of 4.8%. New York's top state income tax rate is 10.9% and the combined sales tax is 8.5%. The climate averages highs of 56.9°F and lows of 34.5°F. Overall, Saratoga Springs has a cost of living index of 131 versus the US average of 100, meaning it is 31% more expensive.
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 30 | 33 | 43 | 57 | 69 | 77 | 82 | 80 | 72 | 59 | 47 | 35 |
| Low °F | 10 | 11 | 21 | 33 | 44 | 53 | 58 | 56 | 48 | 37 | 28 | 18 |
| Precip" | 2.56 | 1.95 | 2.79 | 3.10 | 3.35 | 3.72 | 4.26 | 3.48 | 3.30 | 3.68 | 3.01 | 3.01 |
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
🏫 Schools
NCES CCD 2019 — public school district data
Frequently Asked Questions
What is the cost of living in Saratoga Springs, NY?
Saratoga Springs has a cost index of 131 (100 = national average). It is 31% above the national average.
What is average rent in Saratoga Springs, NY?
The median gross rent in Saratoga Springs is $1,439 per month based on 2023 Census data.
What is the average home price in Saratoga Springs?
The median home value in Saratoga Springs is $445,100 according to Zillow and Census data.
What is the median income in Saratoga Springs?
The median household income in Saratoga Springs is $100,485 per year (2023 ACS 5-year estimates).
What is the sales tax in Saratoga Springs, NY?
The combined state and local sales tax rate in Saratoga Springs is 8.5%. The New York state income tax top rate is 10.9%.
Is Saratoga Springs, NY affordable?
Saratoga Springs is above average in cost of living, with an index of 131 — about 31% higher than the national average.
What is the weather like in Saratoga Springs?
Saratoga Springs has average high temperatures of 56.9°F and average lows of 34.5°F. Annual precipitation is 38.2". Data from NOAA 1991–2020 Climate Normals.
Saratoga Springs at a Glance
- Population
- 28,542
- Median Income
- $100,485
- Home Value
- $445,100
- Median Rent
- $1,439/mo
- Unemployment
- 2.3%
- Avg High Temp
- 56.9°F
- Sales Tax
- 8.5%
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New York Rankings
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