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City · 5,124 residents · Saratoga County, New York

Mechanicville , New York

In Mechanicville, a typical home is worth $186,500 and typical rent is $1,070 a month. Compared with all of Saratoga County, typical household income is 50% lower, the typical home value is 47% lower, and the share of households that own their home is 32 points lower.

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  • Typical home value

    $186,500

    47% below the county

    56% below New York

    • Mechanicville
    • Saratoga
    • New York

  • Typical rent

    $1,070a month

    23% below the county

    34% below New York

    • Mechanicville
    • Saratoga
    • New York

  • Typical household income

    $50,675a year

    50% below the county

    41% below New York

    • Mechanicville
    • Saratoga
    • New York

  • Households that own their home

    40%

    32 points below the county

    14 points below New York

    • Mechanicville
    • Saratoga
    • New York

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$496,359
4.9% more than 12 months ago
Typical rent
$1,700 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Mechanicville is in Saratoga County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Saratoga County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Mechanicville apart

What this place has that others do not, from public data, most unusual first.

  1. 40% of households in Mechanicville own their home, against 72% in Saratoga County.

  2. The typical household income in Mechanicville is $50,675, 50% less than in Saratoga County as a whole ($100,787).

  3. The typical home in Mechanicville is worth $186,500, 47% less than in Saratoga County as a whole ($348,600).

  4. The typical rent in Mechanicville is $1,070 a month, 23% less than in Saratoga County as a whole ($1,394).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Mechanicville

What homes there are in Mechanicville, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Homes here are varied: buildings of 2 to 4 homes are 51% of them, more than in Saratoga County (12%), and no kind reaches half.

Year built

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,413 a month

Saratoga County: $2,088 a month

Without a mortgage

$707 a month

Saratoga County: $764 a month

Owners with a mortgage

65%

Saratoga County: 62%

In Mechanicville, 65% of owners have a mortgage, and their typical cost is $1,413 a month, against $2,088 in Saratoga County. Without one it drops to $707.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Mechanicville did not change clearly: the difference is within the Census margin of error.

The typical rent in Mechanicville rose 30% over the same time; in Saratoga County, it rose 23%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureMechanicvilleSaratoga CountyNew YorkUnited States
Rental vacancy Unreliable estimate4.6%3.8%5.5%
Homeowner vacancy Unreliable estimate0.5%1.1%0.9%
More than one person per room Unreliable estimate1.2%5.3%3.4%
People per household 2.002.302.492.53
Drive alone 81%74%49%69%
Carpool Unreliable estimate6%6%9%
Public transit Unreliable estimate1%22%3%
Walk or bike Unreliable estimate2%6%3%
Work from home Unreliable estimate17%15%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Mechanicville are smaller: 2.00 people on average; in Saratoga County, 2.30.

To get to work, 81% of workers in Mechanicville drive alone; in Saratoga County, 74%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Mechanicville?

A typical home costs more than the typical income allows

We start with a typical home in Mechanicville, worth $186,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Mechanicville, which is $50,675 a year. For that payment to be 28% of income, a household would need to earn about $72,354 a year.

The calculator's FHA and conventional loan limits are those of all of Saratoga County.

Your numbers

Local data
$

Starts at the typical home value in Mechanicville. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $6,528 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,688

at 7.18% · 30 years

Loan amount
$183,122
Total interest
$263,469
Paid off in
November 2056

Includes $3,150 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,182 a month

  • Tight

    $1,182 to $1,520 a month

  • Hard

    more than $1,520 a month

    Your payment · 40%

Compared with the typical household income in Mechanicville ($50,675 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,688
Principal & interest$1,241
Property tax$288
Home insurance$78
FHA mortgage insurance (MIP)$82

You need at least $6,528 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Mechanicville and Saratoga County

Mechanicville is in Saratoga County, New York. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Mechanicville's own numbers

Typical home value
$186,500
Typical monthly rent
$1,070
Typical yearly household income
$50,675
Households that own their home
40%
Effective property tax rate
1.85%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Saratoga County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,711
Price change over 5 years (FHFA)
+52%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Saratoga County.

Everything about Saratoga County

Buying

Buying a home in Mechanicville

A typical home in Mechanicville is worth $186,500: 47% below the county and 56% below New York. With the typical household income in Mechanicville ($50,675 a year), a typical home costs 3.7 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Mechanicville 3.7 years
  • Saratoga 3.5 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Saratoga County

According to FHFA’s house price index, home prices in Saratoga County rose 73% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Saratoga County.

Period County New York U.S.
Last year (2025) +6.8% +6.0% +2.9%
5 years (2020–2025) +52% +52% +47%
10 years (2015–2025) +73% +86% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Mechanicville next to Saratoga County, New York and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Mechanicville $186,500
  • Saratoga $348,600
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Mechanicville $1,070
  • Saratoga $1,394
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Mechanicville $50,675
  • Saratoga $100,787
  • New York $85,974
  • United States $80,734
See the full table
Mechanicville next to Saratoga County and New York
Measure Mechanicville Saratoga County New York U.S.
Typical home value $186,500 $348,600 $423,800 $332,700
Typical monthly rent $1,070 $1,394 $1,621 $1,413
Typical yearly household income $50,675 $100,787 $85,974 $80,734
Households that own their home 40% 72% 54% 65%
Typical yearly property tax $3,458 $4,875 $6,582 $3,119
Effective property tax rate 1.85% 1.4% 1.55% 0.94%
Renters with high rent for their income 53% 41% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Saratoga County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Mechanicville

For a typical $186,500 home in Mechanicville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mechanicville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,688a month

    Least cash to close
    Down payment
    $6,528
    Cash to close
    $12,123
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $82

  • Conventional, 5% down $1,654a month

    Down payment
    $9,325
    Cash to close
    $14,920
    Rate
    7.18%
    Mortgage insurance
    PMI · $89

  • Conventional, 20% down, no PMI $1,376a month

    Down payment
    $37,300
    Cash to close
    $42,895
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,548a month

    Down payment
    $27,975
    Cash to close
    $33,570
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Mechanicville and for Saratoga County.

Property tax

Effective rate in Mechanicville

1.85%of the home’s value each year

$3,458 a year for the typical owner in Mechanicville.

  • Mechanicville 1.85%
  • Saratoga 1.4%
  • New York 1.55%

What New York publishes Basic STAR school tax relief (New York State Department of Taxation and Finance)

Exemptions and deadlines in New York

Flood risk in Saratoga County

FEMA does not publish these numbers by city: they are for all of Saratoga County.

FEMA’s maps count no homes in the high-risk zone in Saratoga County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Mechanicville

Typical rent in Mechanicville is $1,070 a month: 23% below the county. In Mechanicville, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Saratoga County, by unit size. To pay the 2-bedroom one ($1,711 a month) without spending more than 30% of your income, you would need to earn $32.90 an hour working full time.

HUD fair market rent for all of Saratoga County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,238 $23.81 $49,520
1 bedroom $1,425 $27.40 $57,000
2 bedrooms $1,711 $32.90 $68,440
3 bedrooms $2,039 $39.21 $81,560
4 bedrooms $2,249 $43.25 $89,960

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Mechanicville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mechanicville is in ZIP code 12118.

For 2 bedrooms it is $1,560: $151 less than the fair market rent for Saratoga County ($1,711).

  • 12118 $1,560$1,860

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Mechanicville when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Mechanicville

HUD lists one building with rents for lower incomes in Mechanicville.

  • Mechanicville Housing LLC 180 N Main St, Mechanicville 12118 101 homes, 100 low-income · For older adults (518) 664-9897

See all 27 buildings in Saratoga County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Mechanicville

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Saratoga County. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Mechanicville

No down payment, repair or rent-help program on our list is for Mechanicville or Saratoga County. The ones below are statewide in New York: they work in Mechanicville the same as in the rest of the state.

Which programs do I qualify for? All programs in New York

Housing counselors near Mechanicville

The HUD-approved agencies closest to the center of Mechanicville, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Troy Rehabilitation and Improvement Program

    415 River St Ste 2, Troy · 12 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (518) 690-0020

  • BETTER COMMUNITY NEIGHBORHOODS, INC. (formerly Better Neighborhoods, Inc.)

    816 Union St, Schenectady · 14 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (518) 372-7616

  • Affordable Housing Partnership

    255 Orange St Ste 105, Albany · 17 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (518) 434-1730

All counseling agencies in New York

Help in Spanish near Mechanicville

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Mechanicville

HUD’s record names them for Mechanicville or Saratoga County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Mechanicville Housing Authority Public housing and Section 8 vouchers (518) 664-9897

27 other authorities have an office in Saratoga County: see the list Source: HUD

Cities

Other cities in Saratoga County

These cities are also in Saratoga County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Saratoga County Housing in New York

Nearby cities

The cities closest to Mechanicville, with the typical home value.

Neighboring counties

If Saratoga County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Mechanicville.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Mechanicville

Short answers with the numbers for Mechanicville and all of Saratoga County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Mechanicville?

The typical home value in Mechanicville is $186,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Saratoga County it is $348,600.

How much does it cost to rent in Mechanicville?

Typical rent in Mechanicville is $1,070 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Saratoga County is $1,711.

What is the FHA loan limit in Mechanicville?

Mechanicville uses the FHA limit for all of Saratoga County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Mechanicville?

The typical homeowner in Mechanicville pays $3,458 a year, according to the U.S. Census Bureau. That is 1.85% of the home’s value; in Saratoga County, the rate is 1.4%.

Where can I find free help to buy or rent in Mechanicville?

We found no HUD-approved counseling agencies with an office in Saratoga County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).