HomeNew YorkSaratoga CountySaratoga Springs city
Saratoga Springs city, New York: commercial real estate data.
Saratoga Springs city is a Census city of 28,631 people across 28.06 square miles of land, in Saratoga County. Median household income is $105,944, 57.8 percent of occupied homes are owned, and the SBA record carries 93 7(a) approvals to borrowers here worth $22.5 m.
82 sourced place values · tier FULL · 9 sections
Saratoga Springs
What Saratoga Springs is
- Census place typecity
- Land area28.06 sq mi
- Water area0.81 sq mi
- Population per square mile of land1,020
- County holding the largest share of its areaSaratoga 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 Springs
How many people live in Saratoga Springs
- Population28,631
- Median age42.4
- Population under 183,991
- Share under 1813.9 percent
- Population 65 and over6,197
- Share 65 and over21.6 percent
- Households13,228
- Family households6,911
- Share of households that are families52.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Saratoga Springs
Income and work in Saratoga Springs
- Median household income$105,944
- Per capita income$69,161
- Civilian labor force15,623
- Employed15,239
- Unemployed384 plus or minus 160
- Unemployment rate2.5 percent plus or minus 1.0
- Adults 25 and over21,093
- Adults 25 and over with a high school diploma or higher95.8 percent
- Adults 25 and over with a bachelor degree or higher59.9 percent
- Adults 25 and over with a graduate degree28.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Saratoga Springs
Housing in Saratoga Springs
- Housing units14,849
- Occupied units13,228
- Vacant units1,621
- Vacancy rate10.9 percent
- Owner occupied7,644
- Renter occupied5,584
- Ownership rate57.8 percent
- Median owner-occupied home value$478,100
- Median gross rent, monthly$1,470
- Annual rent as a share of median income16.7 percent
- Single family units8,242
- Share single family55.5 percent
- Units in buildings of two or more6,406
- Share in buildings of two or more43.1 percent
- Mobile homes201 plus or minus 96
- Median year structure built1975
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Saratoga Springs
How Saratoga Springs gets to work
- Workers 16 and over who commute11,209
- Commuting under 15 minutes4,360
- Share commuting under 15 minutes38.9 percent
- Commuting 30 minutes or more4,225
- Share commuting 30 minutes or more37.7 percent
- Drove alone60.8 percent
- Carpooled4.4 percent plus or minus 1.3
- Public transport1.9 percent plus or minus 1.0
- Walked6.0 percent plus or minus 1.4
- Worked from home25.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Saratoga Springs
SBA 7(a) lending to Saratoga Springs borrowers
- Approvals93
- Gross approval$22,492,600
- Average approval$241,856
- Median approval$60,000
- Ninetieth percentile approval$500,000
- Largest approval$3,905,000
- Jobs supported673
- Jobs per approval7.2
- Loans with a final outcome18
- Paid in full18
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term84 months
- Share on real estate terms of 20 years or more1.1 percent
- Share to franchises1.1 percent
- Distinct lenders22
- Distinct industries by NAICS59
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Saratoga Springs
SBA 504 lending to Saratoga Springs borrowers
- Approvals27
- Gross approval$23,752,000
- Average approval$879,704
- Median approval$425,000
- Largest approval$4,988,000
- Jobs supported356
- Loans with a final outcome10
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term240 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Saratoga Springs
Flood programme status in Saratoga Springs
- Listed NFIP communities1
- Of those, participating1
- NFIP community number360728
- Currently effective map date08/16/95
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Saratoga County, not Saratoga Springs
Saratoga County context, not Saratoga Springs figures
These are Saratoga County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Saratoga Springs measurements.
- Establishments in Saratoga County5,488
- Employment at those establishments, Saratoga County78,232
- Covered employment, Saratoga County92,800
- Average annual pay, Saratoga County$67,685
- Average weekly wage, Saratoga County$1,302
- Housing units permitted, Saratoga County1,112
- Of those, single family, Saratoga County734
- County product, 2024, Saratoga County$16,619,575,000
- County product change over the prior year, Saratoga County5.4 percent
- Average income of an arriving household, Saratoga County$111,855
Every figure in this section is published for Saratoga County as a whole and is not a measurement of Saratoga Springs. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Saratoga Springs questions, answered from the record.
How many people live in Saratoga Springs, New York?
28,631, in 13,228 households. Saratoga Springs city covers 28.06 square miles of land, which is 1,020 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Saratoga Springs in?
Saratoga 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 Springs?
$105,944. The median owner-occupied home is valued at $478,100. Median gross rent is $1,470 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 Springs businesses?
93 7(a) approvals totalling $22.5 m, across 22 lenders, median approval $60,000, plus 27 504 approvals worth $23.8 m. These count approvals to borrowers whose address is in Saratoga Springs, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Saratoga Springs borrowers get paid back?
Of the 18 loans that have reached a final outcome, 18 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Saratoga Springs in the National Flood Insurance Program?
Yes. Saratoga Springs appears in the FEMA Community Status Book as community 360728, 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 Springs figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Saratoga 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 Springs.
Is zoning published for Saratoga Springs?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.