HomeCaliforniaSanta Clara CountySaratoga
Saratoga, California: commercial real estate data.
Saratoga is a Census city of 30,319 people across 12.78 square miles of land, in Santa Clara County. Median household income is $250,001, 86.4 percent of occupied homes are owned, and the SBA record carries 17 7(a) approvals to borrowers here worth $20.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Saratoga
What Saratoga is
- Census place typecity
- Land area12.78 sq mi
- Water area0 sq mi
- Population per square mile of land2,373
- County holding the largest share of its areaSanta Clara County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Saratoga
How many people live in Saratoga
- Population30,319
- Median age51.7
- Population under 185,725
- Share under 1818.9 percent
- Population 65 and over8,025
- Share 65 and over26.5 percent
- Households10,783
- Family households9,161
- Share of households that are families85.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Saratoga
Income and work in Saratoga
- Median household income$250,001
- Per capita income$124,686
- Civilian labor force14,032
- Employed13,473
- Unemployed559 plus or minus 159
- Unemployment rate4.0 percent plus or minus 1.1
- Adults 25 and over23,219
- Adults 25 and over with a high school diploma or higher97.1 percent
- Adults 25 and over with a bachelor degree or higher81.1 percent
- Adults 25 and over with a graduate degree46.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Saratoga
Housing in Saratoga
- Housing units11,447
- Occupied units10,783
- Vacant units664 plus or minus 221
- Vacancy rate5.8 percent plus or minus 1.9
- Owner occupied9,314
- Renter occupied1,469
- Ownership rate86.4 percent
- Median owner-occupied home value$2,000,001
- Median gross rent, monthly$3,501
- Annual rent as a share of median income16.8 percent
- Single family units10,498
- Share single family91.7 percent
- Units in buildings of two or more864 plus or minus 293
- Share in buildings of two or more7.5 percent plus or minus 2.5
- Mobile homes85 plus or minus 121
- Median year structure built1967
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Saratoga
How Saratoga gets to work
- Workers 16 and over who commute8,293
- Commuting under 15 minutes1,095 plus or minus 234
- Share commuting under 15 minutes13.2 percent
- Commuting 30 minutes or more3,507
- Share commuting 30 minutes or more42.3 percent
- Drove alone55.7 percent
- Carpooled3.5 percent plus or minus 1.2
- Public transport0.9 percent plus or minus 0.6
- Walked0.8 percent plus or minus 0.5
- Worked from home37.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Saratoga
SBA loans in Saratoga (7(a))
- Approvals17
- Gross approval$20,185,000
- Average approval$1,187,353
- Median approval$400,000
- Largest approval$5,000,000
- Jobs supported233
- Jobs per approval13.7
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more23.5 percent
- Share to franchises11.8 percent
- Distinct lenders14
- Distinct industries by NAICS13
Counted by borrower city: approvals to borrowers whose address is in Saratoga, in any county, FY2020 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Saratoga
SBA loans in Saratoga (504)
- Approvals12
- Gross approval$20,745,000
- Average approval$1,728,750
- Median approval$1,298,000
- Largest approval$5,500,000
- Jobs supported163
- Loans with a final outcome2
- Charged off0
- Median term300 months
- Distinct CDCs5
Counted by borrower city: approvals to borrowers whose address is in Saratoga, in any county, FY2010 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Saratoga
Flood risk in Saratoga
- NFIP communityCity of Saratoga
- NFIP community number060351
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/19/14
The City of Saratoga participates in the National Flood Insurance Program as community 060351 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Santa Clara County, not Saratoga
Santa Clara County context, not Saratoga figures
- Establishments in Santa Clara County49,154
- Covered employment, Santa Clara County1,116,581
- Average annual pay, Santa Clara County$197,043
- Housing units permitted, Santa Clara County3,834
Every figure in this section is published for Santa Clara County as a whole and is not a measurement of Saratoga.
All Santa Clara County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Saratoga questions, answered from the record.
How many people live in Saratoga, California?
30,319, in 10,783 households. Saratoga city covers 12.78 square miles of land, which is 2,373 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Saratoga in?
Santa Clara County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Saratoga?
$250,001. The median owner-occupied home is valued at $2,000,001. Median gross rent is $3,501 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Saratoga businesses?
17 7(a) approvals totaling $20.2 m since FY2020, across 14 lenders, median approval $400,000, plus 12 504 approvals worth $20.7 m since FY2010. These count approvals to borrowers whose address is in Saratoga, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Saratoga borrowers get paid back?
No rate is published for Saratoga. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Saratoga in the National Flood Insurance Program?
Yes. Saratoga appears in the FEMA Community Status Book as Saratoga, city of, community 060351, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Saratoga figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Santa Clara County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Saratoga.
Is zoning published for Saratoga?
No. Nothing on this page presents parcel level zoning.
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