Saratoga County, New York has a 2026 one-unit conforming loan limit of $832,750, which is 2.4 times the county's median home value of $348,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $100,787 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $348,600 |
| New York median home value | $423,800 |
| Limit ÷ median home value | 2.39× |
| Median household income | $100,787 |
| Median home value ÷ income | 3.5× |
| Population | 238,284 |
| Median property tax paid (owners) | $4,875 |
| Effective property tax rate (approx.) | 1.40% |
| Owner-occupied homes | 72.3% |
| Home value rank in New York | 14 of 62 counties |
| Neighbor: Albany County, NY | limit $832,750; median home $294,600 |
| Neighbor: Fulton County, NY | limit $832,750; median home $163,100 |
| Neighbor: Hamilton County, NY | limit $832,750; median home $260,200 |
| Neighbor: Montgomery County, NY | limit $832,750; median home $157,500 |
| Neighbor: Rensselaer County, NY | limit $832,750; median home $258,400 |
| Neighbor: Schenectady County, NY | limit $832,750; median home $235,700 |
| Neighbor: Warren County, NY | limit $832,750; median home $267,400 |
| Neighbor: Washington County, NY | limit $832,750; median home $196,200 |
Across New York's 62 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,209,750, with 10 high-cost counties. Saratoga County's median home value is 18% below the state median of $423,800 (rank 14 of 62). Among its 8 neighboring counties, Albany County has the highest median home value ($294,600) and Montgomery County the lowest ($157,500); all share the same loan limit. Owners pay a median $4,875 a year in property tax, an effective rate of about 1.40% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
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Last updated 2026-10-16. Data only, not financial or tax advice.