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City · 48,425 residents · Utah County, Utah

Saratoga Springs , Utah

In Saratoga Springs, a typical home is worth $605,500 and typical rent is $2,256 a month. Compared with all of Utah County, typical rent is 46% higher, typical household income is 28% higher, and the share of households that own their home is 16 points higher.

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  • Typical home value

    $605,500

    12% above the county

    24% above Utah

    • Saratoga Springs
    • Utah
    • Utah

  • Typical rent

    $2,256a month

    46% above the county

    51% above Utah

    • Saratoga Springs
    • Utah
    • Utah

  • Typical household income

    $128,802a year

    28% above the county

    35% above Utah

    • Saratoga Springs
    • Utah
    • Utah

  • Households that own their home

    85%

    16 points above the county

    14 points above Utah

    • Saratoga Springs
    • Utah
    • Utah

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

Market now, with Zillow data

Zillow data
Typical home value
$553,482
about the same as 12 months ago
Typical rent
$2,204 a month
1.2% more than 12 months ago

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

Saratoga Springs is in Utah County. The FHA loan limit ($601,450 for a one-unit home), the fair market rents and the help on this page are those of all of Utah County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Saratoga Springs apart

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

  1. The typical rent in Saratoga Springs is $2,256 a month, 46% more than in Utah County as a whole ($1,541).

  2. 85% of households in Saratoga Springs own their home, against 68% in Utah County.

  3. Nearby, in American Fork, the typical rent is $1,697: 25% less than in Saratoga Springs ($2,256).

  4. The typical household income in Saratoga Springs is $128,802, 28% more than in Utah County as a whole ($100,671).

  5. Nearby, in American Fork, the typical home value is $496,700: 18% less than in Saratoga Springs ($605,500).

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

The homes here

Housing in Saratoga Springs

What homes there are in Saratoga Springs, 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

In Saratoga Springs, 8 in 10 homes are single-family detached houses; in Utah County, 6.

Year built

The typical home in Saratoga Springs was built in 2012, 11 years after the typical one in Utah County.

There is more room for a big family here: 97% of homes have 3 bedrooms or more, against 78% in Utah County.

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

$2,327 a month

Utah County: $2,115 a month

Without a mortgage

$526 a month

Utah County: $570 a month

Owners with a mortgage

86%

Utah County: 73%

In Saratoga Springs, 86% of owners have a mortgage, and their typical cost is $2,327 a month, against $2,115 in Utah County. Without one it drops to $526.

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, home values in Saratoga Springs rose at about the same pace as in Utah County: 78% against 76%.

Rents in Saratoga Springs rose faster than in Utah County: 52% since 2015–2019, against 45%.

Here income did not keep up with housing: it rose 26%, while home values changed +78% and rent +52%.

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

MeasureSaratoga SpringsUtah CountyUtahUnited States
Rental vacancy Unreliable estimate2.7%5.5%5.5%
Homeowner vacancy Unreliable estimate0.6%0.6%0.9%
More than one person per room Unreliable estimate3.9%3.1%3.4%
People per household 4.023.392.972.53
Drive alone 62%65%67%69%
Carpool 7%10%10%9%
Public transit Unreliable estimate2%2%3%
Walk or bike 1%3%3%3%
Work from home 27%19%18%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimateUnreliable estimate20 to 29 minutes

Households in Saratoga Springs are bigger: 4.02 people on average; in Utah County, 3.39.

In Saratoga Springs, 27% of workers work from home, more than in Utah County (19%).

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 Saratoga Springs?

A typical home costs more than the typical income allows

We start with a typical home in Saratoga Springs, worth $605,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Saratoga Springs, which is $128,802 a year. For that payment to be 28% of income, a household would need to earn about $203,334 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Saratoga Springs. 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 $21,193 (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

$4,744

at 7.18% · 30 years

Loan amount
$594,532
Total interest
$855,393
Paid off in
November 2056

Includes $10,225 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,005 a month

  • Tight

    $3,005 to $3,864 a month

  • Hard

    more than $3,864 a month

    Your payment · 44%

Compared with the typical household income in Saratoga Springs ($128,802 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,744
Principal & interest$4,028
Property tax$197
Home insurance$252
FHA mortgage insurance (MIP)$268

You need at least $21,193 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

Saratoga Springs and Utah County

Saratoga Springs is in Utah County, Utah. 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).

Saratoga Springs's own numbers

Typical home value
$605,500
Typical monthly rent
$2,256
Typical yearly household income
$128,802
Households that own their home
85%
Effective property tax rate
0.39%

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

Numbers for all of Utah County

FHA limit, one-unit home
$601,450
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,363
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
0.5%

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 Utah County.

Everything about Utah County

Buying

Buying a home in Saratoga Springs

A typical home in Saratoga Springs is worth $605,500: 12% above the county and 24% above Utah. With the typical household income in Saratoga Springs ($128,802 a year), a typical home costs 4.7 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.

  • Saratoga Springs 4.7 years
  • Utah 5.4 years
  • Utah 5.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Utah County

According to FHFA’s house price index, home prices in Utah County rose 119% in the 10 years through 2025.

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

Period County Utah U.S.
Last year (2025) +2.8% +2.4% +2.9%
5 years (2020–2025) +54% +53% +47%
10 years (2015–2025) +119% +121% +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

Saratoga Springs next to Utah County, Utah and the U.S.

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

Typical home value
  • Saratoga Springs $605,500
  • Utah $538,700
  • Utah $489,400
  • United States $332,700
Typical monthly rent
  • Saratoga Springs $2,256
  • Utah $1,541
  • Utah $1,496
  • United States $1,413
Typical yearly household income
  • Saratoga Springs $128,802
  • Utah $100,671
  • Utah $95,166
  • United States $80,734
See the full table
Saratoga Springs next to Utah County and Utah
Measure Saratoga Springs Utah County Utah U.S.
Typical home value $605,500 $538,700 $489,400 $332,700
Typical monthly rent $2,256 $1,541 $1,496 $1,413
Typical yearly household income $128,802 $100,671 $95,166 $80,734
Households that own their home 85% 68% 70% 65%
Typical yearly property tax $2,372 $2,370 $2,525 $3,119
Effective property tax rate 0.39% 0.44% 0.52% 0.94%
Renters with high rent for their income 44% 45% 47% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Utah 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 Saratoga Springs

For a typical $605,500 home in Saratoga Springs, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Saratoga Springs's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,744a month

    Least cash to close
    Down payment
    $21,193
    Cash to close
    $39,358
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $268

  • Conventional, 5% down $4,633a month

    Down payment
    $30,275
    Cash to close
    $48,440
    Rate
    7.18%
    Mortgage insurance
    PMI · $288

  • Conventional, 20% down, no PMI $3,731a month

    Down payment
    $121,100
    Cash to close
    $139,265
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,290a month

    Down payment
    $90,825
    Cash to close
    $108,990
    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 Saratoga Springs and for Utah County.

Property tax

Effective rate in Saratoga Springs

0.39%of the home’s value each year

$2,372 a year for the typical owner in Saratoga Springs.

  • Saratoga Springs 0.39%
  • Utah 0.44%
  • Utah 0.52%

What Utah publishes Primary residential exemption (45 percent of value) (Utah State Legislature (Utah Code))

Exemptions and deadlines in Utah

Flood risk in Utah County

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

Homes in the high-risk zone
0.5%
886
Of those, with NFIP insurance
27%
County Utah U.S.
Homes in the high-risk zone 0.5% 0.8% 3.5%
Of those, with NFIP insurance 27% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Saratoga Springs

Typical rent in Saratoga Springs is $2,256 a month: 46% above the county. In Saratoga Springs, 44% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Utah County, by unit size. To pay the 2-bedroom one ($1,363 a month) without spending more than 30% of your income, you would need to earn $26.21 an hour working full time.

HUD fair market rent for all of Utah 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 $1,186 $22.81 $47,440
1 bedroom $1,192 $22.92 $47,680
2 bedrooms $1,363 $26.21 $54,520
3 bedrooms $1,887 $36.29 $75,480
4 bedrooms $2,278 $43.81 $91,120

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 Saratoga Springs

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Saratoga Springs is in ZIP code 84045.

For 2 bedrooms it is $1,980: $617 more than the fair market rent for Utah County ($1,363).

  • 84045 $1,980$2,740

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Saratoga Springs 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?

Free help

Help to buy or rent in Saratoga Springs

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.

There are 2 HUD-approved agencies with an office in Utah County; 1 says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Saratoga Springs

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

Which programs do I qualify for? All programs in Utah

  • Utah Housing Down Payment Assistance Second Mortgage

    Statewide in Utah

    Utah state agency second mortgage for the down payment or closing costs alongside its first mortgage: up to 6% of the loan with monthly payments, or up to 3.5% at 3.5% with deferred interest and no payments; capped at $27,500. Offered by Utah Housing Corporation (UHC).

    RepayableDeferred

    See the program Official page

  • First-time Homebuyer Assistance Program

    Statewide in Utah

    Utah state loan, run by Utah Housing, of up to $20,000 with no interest or monthly payments for the down payment, closing costs or a lower rate; only for first-time buyers of a newly built home with a Utah Housing mortgage. Offered by Utah Housing Corporation (UHC).

    Deferred

    See the program Official page

Housing counselors near Saratoga Springs

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

  • Neighborworks Mountain Country Home Solutions

    1031 W Center St Ste 302, Orem · 11 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (801) 375-5820

  • Community Action Services

    815 S Freedom Blvd, Provo · 16 miles away · Spanish

    Also serves in Vietnamese.

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (801) 373-8200

  • Utah State University-Salt Lake County Extension

    2001 South State Street, Salt Lake City · 26 miles away

    • Homebuyer education workshops
    (385) 468-4830

Every agency in Utah County All counseling agencies in Utah

Help in Spanish near Saratoga Springs

1 of the 3 agencies on this list says it serves 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 Saratoga Springs

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

  • Housing Authority of Utah County Public housing and Section 8 vouchers (801) 373-8333

One other authority has an office in Utah County: see the list Source: HUD

Cities

Other cities in Utah County

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

Everything about Utah County Housing in Utah
See 5 more cities in Utah County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Saratoga Springs, with the typical home value.

Neighboring counties

If Utah 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 Saratoga Springs.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Saratoga Springs

Short answers with the numbers for Saratoga Springs and all of Utah 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 Saratoga Springs?

The typical home value in Saratoga Springs is $605,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Utah County it is $538,700.

How much does it cost to rent in Saratoga Springs?

Typical rent in Saratoga Springs is $2,256 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Utah County is $1,363.

What is the FHA loan limit in Saratoga Springs?

Saratoga Springs uses the FHA limit for all of Utah County (2026): $601,450 for a one-unit home and $1,156,650 for a four-unit home.

How much property tax do owners pay in Saratoga Springs?

The typical homeowner in Saratoga Springs pays $2,372 a year, according to the U.S. Census Bureau. That is 0.39% of the home’s value; in Utah County, the rate is 0.44%.

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

There are 2 HUD-approved counseling agencies with an office in Utah County. 1 says it serves in Spanish. 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).