What is the cost of living in Saratoga Springs, NY?
According to the most recent data on the cost of living, Saratoga Springs has an overall cost of living index of 135, which is 1.4x higher than the national index of 100.
Compared to New York, Saratoga Springs has a cost of living index that's 1.1x higher than New York's index of 121.
The standard of living in Saratoga Springs ranks as #165 most affordable out of the 336 places we measured in New York. By definition, that implies Saratoga Springs ranks as the #171 most expensive place in the Empire State.
For more reading on life in Saratoga Springs, check out:
Saratoga Springs Cost Of Living Vs. New York
Six factors go into calculating the cost of living index in Saratoga Springs. Here is how it fares on each of the criteria:
The Services index in Saratoga Springs is 102.
The Groceries index in Saratoga Springs is 112.
The Health index in Saratoga Springs is 185.
The Housing index in Saratoga Springs is 110.
The Transportation index in Saratoga Springs is 110.
The Utilities index in Saratoga Springs is 115.
| Living Expense | Saratoga Springs | New York | National Average |
|---|---|---|---|
| Overall | 135 | 121 | 100 |
| Services | 102 | 105 | 100 |
| Groceries | 112 | 108 | 100 |
| Health | 185 | 143 | 100 |
| Housing | 110 | 112 | 100 |
| Transportation | 110 | 114 | 100 |
| Utilities | 115 | 111 | 100 |
Saratoga Springs Cost Of Living Compared To New York Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around New York, check out:
Protect your home budget Compare home warranties in Saratoga Springs Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Saratoga Springs, NY Housing Cost Breakdown
Housing swings affordability the most between places in New York, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Saratoga Springs is $633,901.
The Median Rent in Saratoga Springs is $1,470.
The Median Income in Saratoga Springs is $105,944.
The Home Value To Income in Saratoga Springs is 6.0x.
The Rent To Monthly Income in Saratoga Springs is 0.17x.
| Statistic | Saratoga Springs | New York | United States |
|---|---|---|---|
| Median Home Value | $633,901 | $507,794 | $332,700 |
| Median Rent | $1,470 | $1,621 | $1,413 |
| Median Income | $105,944 | $85,974 | $80,734 |
| Home Value To Income | 6.0x | 5.9x | 4.1x |
| Rent To Monthly Income | 0.17x | 0.23x | 0.21x |
Saratoga Springs, NY Costs By Category
Detailed Saratoga Springs Services costs vs. New York
| Item | Saratoga Springs | New York |
|---|---|---|
| Shampoo | $1.28 | $1.28 |
| Movie | $13.08 | $12.13 |
| Bowling | $15.96 | $18 |
| Haircut | $28.28 | $24.26 |
| Beauty Salon | $51.36 | $45.56 |
Detailed Saratoga Springs Groceries costs vs. New York
| Item | Saratoga Springs | New York |
|---|---|---|
| Ground Beef | $6.06 | $5.84 |
| Fried Chicken | $1.6 | $1.57 |
| Milk | $4.85 | $4.67 |
| Potatoes | $5.09 | $4.93 |
| Pizza | $14.69 | $12.09 |
| Beer | $10.9 | $10.41 |
| Toothpaste | $3.74 | $3.7 |
Detailed Saratoga Springs Health costs vs. New York
| Item | Saratoga Springs | New York |
|---|---|---|
| Optometrist | $132.47 | $125.68 |
| Doctor | $111.33 | $135.78 |
| Dentist | $111.69 | $113.29 |
Detailed Saratoga Springs Transportation costs vs. New York
| Item | Saratoga Springs | New York |
|---|---|---|
| Gasoline | $3.55 | $3.46 |
| Tire Balancing | $50.33 | $59.92 |
Detailed Saratoga Springs Utilities costs vs. New York
| Item | Saratoga Springs | New York |
|---|---|---|
| All Electricity | $196.7 | $193.99 |
| Phone | $195.71 | $192.25 |
Saratoga Springs SnackAbility
Cost Of Living In Cities Around Saratoga Springs
The cost of living varies in the cities and towns around Saratoga Springs. Here's a quick look at the cost of living in the most populous nearby places:
Niskayuna, NY has a cost of living index of 124, 0.9x Saratoga Springs.
Glens Falls, NY has a cost of living index of 104, 0.8x Saratoga Springs.
East Glenville, NY has a cost of living index of 114, 0.8x Saratoga Springs.
| City | Population | Cost Of Living | Vs. Saratoga Springs |
|---|---|---|---|
| Niskayuna, NY | 21,227 | 124 | 0.9x |
| Glens Falls, NY | 14,609 | 104 | 0.8x |
| East Glenville, NY | 11,914 | 114 | 0.8x |
| West Glens Falls, NY | 10,050 | 111 | 0.8x |
| Glens Falls North, NY | 9,154 | 115 | 0.9x |
| Hudson Falls, NY | 7,395 | 101 | 0.7x |
| Scotia, NY | 7,264 | 103 | 0.8x |
| Milton, PA | 6,534 | 91 | 0.7x |
| Country Knolls, NY | 5,445 | 128 | 0.9x |
| Mechanicville, NY | 5,124 | 103 | 0.8x |
