1st Advantage MortgageIn Saratoga County, New York, the typical household earns $100,787 a year and the typical rent is $1,394. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Who lives in Saratoga County
- How much Saratoga County households make
- Employment and commuting in Saratoga County
- Renting and owning in Saratoga County
- The counties around Saratoga County
- Places inside Saratoga County
- Room for a loan payment in Saratoga County
- Reading the Saratoga County data as a borrower
- Who lives in Saratoga County, in numbers
- Who licenses lenders for Saratoga County residents
- Before you sign
- More guides for Saratoga County
- Frequently asked questions
Who lives in Saratoga County
With an estimated 238,284 residents (ACS 2020 to 2024), Saratoga County ranks 16th of 62 in New York for population. Packed into 810 square miles, that is close to 294 residents for every square mile of land. For statistical purposes it belongs to the Albany-Schenectady-Troy, NY metro area, as delineated by the Office of Management and Budget in July 2023. Saratoga Springs is the biggest of its 17 Census places, at roughly 28,631 people (12% of the county total).
How much Saratoga County households make
The median household income in Saratoga County is $100,787; statewide it is $85,974, so Saratoga County runs 17% above New York as a whole. Only 6 New York counties post a higher median.
| Income band | Share in Saratoga County | Difference from New York |
|---|---|---|
| Under $35,000 | 14.5% | -7.7 pts |
| $35,000 to $99,999 | 35.2% | +1.2 pts |
| $100,000 to $199,999 | 32.9% | +6.0 pts |
| $200,000 or more | 17.5% | +0.4 pts |
Some 15% of households here live on less than $35,000 a year; 50% have six-figure incomes. Census counts 7.1% of Saratoga County residents in poverty, against 14.0% across New York. A household earning below the $100,787 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Employment and commuting in Saratoga County
By the Census industry count, 25% of employed Saratoga County residents work in education and health care and 12% in professional and administrative services. Compared with New York, the county leans toward manufacturing (10% against 6%). The survey's unemployment rate for Saratoga County averages 3.3% over 2020 to 2024 (state: 6.4%). About 74% drive to work alone and 13% have trips of 45 minutes or more. Only 4.7% of homes here go without a vehicle.
| Top industries | Saratoga County share | +/- vs New York |
|---|---|---|
| Education and health care | 25.0% | -4.4 pts |
| Professional and administrative services | 12.5% | -0.8 pts |
| Manufacturing | 10.0% | +4.3 pts |
| Retail trade | 10.0% | +0.4 pts |
| Finance, insurance and real estate | 8.7% | +0.8 pts |
| Public administration | 7.2% | +2.4 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Saratoga County should have bank statements and tax returns ready.
Renting and owning in Saratoga County
Median gross rent, utilities included, comes to $1,394 in Saratoga County versus $1,621 statewide. 41% of renting households spend 30% or more of income on rent, and 20% spend half or more. With a median value of $348,600, a typical Saratoga County house costs 3.5 times what the median household earns in a year. The ownership rate is 72%. The median year built is 1984.
| Measure | Saratoga County | New York | Median U.S. county |
|---|---|---|---|
| Median gross rent | $1,394/mo | $1,621/mo | $877/mo |
| Median home value | $348,600 | $423,800 | $185,300 |
| Owners | 72% | 54% | 75% |
| Rent-burdened renters | 41% | 52% | 45% |
| Burdened owners | 20% | 33% | n/a |
| Mobile homes | 6.7% | 2.1% | n/a |
In an owner-heavy county like Saratoga County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
The counties around Saratoga County
Nearest neighbors first, measured between county centers (22 to 33 miles). None of the six report a higher median household income than Saratoga County; Rensselaer County is highest at $87,915 and Montgomery County lowest at $64,943.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Saratoga County | - | $100,787 | $1,394/mo | 72% |
| Schenectady County, NY | 22 mi | $79,623 | $1,194/mo | 64% |
| Washington County, NY | 25 mi | $73,495 | $1,033/mo | 77% |
| Fulton County, NY | 29 mi | $66,533 | $912/mo | 71% |
| Warren County, NY | 31 mi | $78,442 | $1,105/mo | 72% |
| Rensselaer County, NY | 32 mi | $87,915 | $1,217/mo | 65% |
| Montgomery County, NY | 33 mi | $64,943 | $940/mo | 70% |
Places inside Saratoga County
The table lists the 14 largest of 17 Census places in Saratoga County, by population. Together all 17 hold about 70,615 people, so roughly 70% of residents live outside any named place. Among places of 500 or more people, median income runs from $50,675 in Mechanicville to $188,750 in Clifton Knolls-Mill Creek. Median rent ranges from $978 in Corinth to $1,873 in Milton. No Saratoga County place has a separate guide yet; this county page serves all 17.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Saratoga Springs | city | 28,631 | $105,944 | $1,470 | 5 mi |
| Country Knolls | CDP | 5,445 | $143,036 | $1,196 | 14 mi |
| Mechanicville | city | 5,124 | $50,675 | $1,070 | 16 mi |
| Ballston Spa | village | 5,027 | $101,667 | $1,122 | 7 mi |
| Milton | CDP | 4,450 | $94,982 | $1,873 | 5 mi |
| South Glens Falls | village | 3,737 | $58,542 | $1,171 | 17 mi |
| Clifton Knolls-Mill Creek | CDP | 3,349 | $188,750 | n/a | 18 mi |
| Corinth | village | 2,592 | $76,071 | $978 | 10 mi |
| Clifton Gardens | CDP | 2,420 | $57,245 | $1,380 | 18 mi |
| Waterford | village | 2,085 | $72,938 | $1,082 | 23 mi |
| Stillwater | village | 1,874 | $90,060 | $1,154 | 16 mi |
| Schuylerville | village | 1,571 | $86,765 | $982 | 14 mi |
| North Ballston Spa | CDP | 1,299 | $91,140 | $1,641 | 6 mi |
| Hadley | CDP | 1,170 | $65,875 | $990 | 14 mi |
Room for a loan payment in Saratoga County
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Saratoga County household at the medians it works out like this; treat it as an illustration only.
- $8,399 a month: gross income for a household at the Saratoga County median
- Housing at the median rent of $1,394 uses 17%
- With a 40% ceiling, about $1,966 remains for car, card, student and any new loan payments
If your rent is above $1,394, the room shrinks dollar for dollar.
Reading the Saratoga County data as a borrower
Where the Saratoga County numbers stand out, and why it matters for a loan:
- Higher earners. 50% of households clear $100,000; shop at least three lenders and pick the shortest term.
- Paperwork. ID, proof of income and a bank account are the basics (requirements).
- Check your file. An error fixed before you apply can change the offers a Saratoga County borrower sees (free reports).
Who lives in Saratoga County, in numbers
College graduates make up 45% of the adult population. 2.6% of residents have no health coverage.
| Saratoga County | New York | U.S. county median | |
|---|---|---|---|
| Median age | 43.6 | 39.8 | 41.5 |
| Bachelor's or higher | 45.4% | 40.2% | 22.2% |
| No high school diploma | 5.4% | 12.0% | n/a |
| No health insurance | 2.6% | 5.1% | 7.8% |
| No vehicle | 4.7% | 29.2% | 5.4% |
| Work from home | 17.3% | 14.9% | 8.7% |
| Poverty rate | 7.1% | 14.0% | 13.2% |
| Unemployment (ACS) | 3.3% | 6.4% | 4.4% |
| Commute length | Saratoga County |
|---|---|
| Under 15 min | 25.6% |
| 15 to 29 min | 38.3% |
| 30 to 44 min | 23.3% |
| 45 to 59 min | 8.1% |
| 60+ min | 4.7% |
Who licenses lenders for Saratoga County residents
The New York State Department of Financial Services is the place to verify any lender's New York license. A CFPB complaint gets forwarded to the company for a response. More on New York: New York personal loans.
Before you sign
Four checks before you sign anything:
- Write down what the expense costs; a smaller loan costs less.
- Prequalify with soft pulls where offered, then compare in writing.
- Confirm the lender is licensed in New York.
- Ask about early-payoff penalties.
More guides for Saratoga County
For statewide rules and data, see the New York guide.
Frequently asked questions
Is Saratoga County a high-income county?
Its $100,787 median ranks 7th of 62 New York counties and compares with $65,681 for the median U.S. county.
What do renters pay in Saratoga County?
$1,394 a month at the median, about 17% of median household income.
Which towns does the Saratoga County guide cover?
Every community in the county, unincorporated areas included. The largest of its 17 Census places: Saratoga Springs, Country Knolls, Mechanicville, Ballston Spa, Milton.
Is the fit check different in Saratoga County?
No. It is identical everywhere, and it never looks at your neighborhood.
Is there a Saratoga County office that licenses lenders?
No, licensing is statewide. In New York it is the New York State Department of Financial Services.