12866
Saratoga Springs, New York.
Saratoga Springs, Saratoga County, NY · Albany-Schenectady-Troy, NY metro · population 40,057
to buy the typical home at today's mortgage rate — +$1,949 (+130%) since Jan 2020.
- 1 year
- Up $43,410 +7%
- $614,607$658,017 since Sep 2025
- 5 years
- Up $166,032 +34%
- $491,985$658,017 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 12866$3,454
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in zip 12866 rose 7.1% over the past year — faster than the nation's +1.2%.
Asking rents in zip 12866 rose 5.1% over the past year — faster than the nation's +2.7%.
Owning the typical home in zip 12866 runs $2,734/mo more than renting one — the widest that gap has been in this data.
That is $4,925 a month against $2,191 rent: a $3,454 mortgage payment, plus $767 property tax and $704 insurance & upkeep.
Owning vs renting — zip 12866
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$4,925
- Renting$2,191
- Mortgage only$3,454
Property tax · $767/mo 1.40% of value a year — the ACS 2020-2024 median bill over the median home value for Saratoga County, NY
Insurance & upkeep · $704/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Zillow also publishes an index for the city itself: Saratoga Springs, NY — measured over the city limits, which is a different area from this zip.
Asking rent — 12866
Against the Albany-Schenectady-Troy, NY metro and the national benchmark.
- 12866$2,191
- Albany$1,693
- United States$1,932
Typical home value — 12866
Mid-tier homes, smoothed and seasonally adjusted.
- 12866$658,017
- Albany$373,057
- United States$366,157
Within 20 miles
Showing 30 of 38 zips in range — sorting picks from all 38.
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 6.6 | 12170 | Stillwater | 5,351 | — | $409,381 |
| 6.6 | 12871 | Schuylerville | 3,813 | — | $325,212 |
| 6.8 | 12833 | Greenfield Center | 5,316 | — | $451,625 |
| 7.5 | 12884 | Victory Mills | 538 | — | $217,972 |
| 8.4 | 12020 | Ballston Spa | 34,937 | $2,029 | $434,517 |
| 8.7 | 12831 | Gansevoort | 18,025 | $1,860 | $479,362 |
| 9.7 | 12863 | Rock City Falls | 910 | — | $485,267 |
| 10.4 | 12859 | Porter Corners | 1,622 | — | $401,934 |
| 10.6 | 12151 | Round Lake | 967 | — | $433,670 |
| 10.7 | 12118 | Mechanicville | 17,069 | $1,563 | $474,091 |
| 11.9 | 12154 | Schaghticoke | 2,777 | — | $361,584 |
| 12.0 | 12834 | Greenwich | 6,039 | — | $305,296 |
| 12.2 | 12850 | Middle Grove | 2,537 | — | $355,804 |
| 12.4 | 12019 | Ballston Lake | 15,555 | $1,919 | $502,585 |
| 13.6 | 12027 | Burnt Hills | 4,693 | — | $437,553 |
| 13.7 | 12822 | Corinth | 6,284 | — | $279,114 |
| 15.1 | 12828 | Fort Edward | 9,230 | — | $280,346 |
| 15.5 | 12065 | Clifton Park | 45,116 | $1,684 | $489,830 |
| 15.6 | 12074 | Galway | 2,848 | — | $346,592 |
| 15.8 | 12803 | South Glens Falls | 9,712 | — | $315,829 |
| 15.9 | 12185 | Valley Falls | 1,709 | — | $323,982 |
| 17.0 | 12801 | Glens Falls | 14,628 | $1,454 | $274,054 |
| 17.4 | 12121 | Melrose | 2,280 | — | $349,051 |
| 17.5 | 12008 | Alplaus | 422 | — | $360,022 |
| 17.5 | 12028 | Buskirk | 1,557 | — | $296,425 |
| 17.5 | 12148 | Rexford | 4,023 | — | $563,861 |
| 17.8 | 12188 | Waterford | 10,988 | $1,575 | $387,367 |
| 18.0 | 12094 | Johnsonville | 2,656 | — | $333,350 |
| 18.1 | 12809 | Argyle | 3,669 | — | $275,760 |
| 18.2 | 12302 | Schenectady | 28,031 | $1,690 | $334,325 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.