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Albany-Schenectady-Troy, NY

Cost of living in Saratoga County, NY

Part of the Albany Metro Area

Estimated monthly cost
$3,703/mo
for a single person, all categories combined

Population 237,075 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,230 33%
Federal tax $761 21%
Healthcare $480 13%
Groceries $404 11%
Transport $320 9%
State tax $245 7%
Energy $208 6%
Water $55 1%

Rent in Saratoga County

Fair Market Rents by bedroom count.

Studio
$1,074
per month
1 bedroom
$1,230
per month
2 bedroom
$1,487
per month
3 bedroom
$1,792
per month
4 bedroom
$1,971
per month

Source: HUD FMR FY2025

Income and earnings in Saratoga County

Annual earnings figures from the Census ACS.

Household income
$99,653
per year
Individual earnings
$56,546
per year
Per capita
$54,698
per year

Source: ACS 2019-2023 5-Year.

Home values in Saratoga County

Average values reported by homeowners.

Average home value
$324,800
Annual property tax
$4,843

Source: ACS 2019-2023 5-Year

Energy costs in Saratoga County

Estimated monthly electricity and gas costs.

Electricity
$140
per month · 23.4¢/kWh
Natural gas
$68
per month
Annual total
$2,496
per year

Source: EIA

Healthcare in Saratoga County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
2.6%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Saratoga County

State and local tax rates for New York.

State income tax
10.9%
Top marginal rate
State sales tax
4.0%
Combined sales tax
8.5%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Saratoga County

Commute patterns and estimated costs.

Average commute
25.6 min
Drive alone
75.2%
Public transit
0.6%
Work from home
15.7%

Source: ACS

Monthly cost estimates for Saratoga County

What it costs to live in Saratoga County each month.

Single person
$3,703
per month
  • Rent $1,230
  • Energy $208
  • Water $55
  • Groceries $404
  • Transport $320
  • Healthcare $480
  • Federal tax $761
  • State tax $245
Couple
$5,507
per month
  • Rent $1,487
  • Energy $250
  • Water $65
  • Groceries $669
  • Transport $420
  • Healthcare $864
  • Federal tax $1,301
  • State tax $451
Family
$8,017
per month
  • Rent $1,792
  • Energy $312
  • Water $75
  • Groceries $1,016
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,301
  • State tax $451

Frequently asked questions about Saratoga County

Common questions about cost of living, rent and salary.

What is the average rent in Saratoga County?

In Saratoga County, NY, a one-bedroom apartment averages $1,230 per month, a two-bedroom averages $1,487 per month, a three-bedroom averages $1,792 per month, according to HUD Fair Market Rent data.

What is the average salary in Saratoga County?

In Saratoga County, NY, the average household income is $99,653 per year and individual earnings for full-time workers average $56,546 per year, according to U.S. Census Bureau data.

What is the cost of living in Saratoga County?

The estimated cost of living in Saratoga County, NY is approximately $3,703 per month for a single person, $5,507 for a couple, $8,017 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Saratoga County?

The combined sales tax rate in Saratoga County, NY is 8.52%, which includes the New York state rate of 4.00% plus an average local rate of 4.52%.

Is Saratoga County an affordable place to live?

Based on the data, a single person in Saratoga County, NY would need approximately $3,703 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $99,653 per year ($8,304 per month). Saratoga County is relatively affordable compared to the national average.

How much does healthcare cost in Saratoga County?

The ACA marketplace benchmark premium in Saratoga County, NY is approximately $480 per month for an individual. Approximately 2.6% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Saratoga County?

The average home value in Saratoga County, NY is $324,800, with average annual property taxes of $4,843, according to U.S. Census Bureau data.

How does Saratoga County compare to other areas?

You can compare Saratoga County, NY with any other US county using our comparison tool at /compare. Saratoga County is in the Albany-Schenectady-Troy, NY metro area.

Other counties in New York

Browse the full list of counties in New York, ranked by cost of living.

See all counties in New York

Compare Saratoga County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources