Direct recent-lease rent history
Monthly overall-rent index; missing observations are not filled from another geography.
Recent-lease rent$1,5002026-07 · +1.9% year over year
Rental vacancyn/an/a
Time on marketn/an/a
FIPS 36091 · population 238,284 · part of Albany, NY
The latest county-level Zillow ZORI is $1,840 per month in 2026-06. It is a typical asking-rent index across rental types—not an arithmetic average, signed lease or quote for one property.
| Bedrooms | HUD monthly FMR | Geography | Measurement boundary |
|---|---|---|---|
| Studio | $1,217 | Saratoga County, NY | HUD administrative benchmark; compare with same-bedroom listings, never treat it as observed asking rent. |
| 1 bedroom | $1,417 | Saratoga County, NY | HUD administrative benchmark; compare with same-bedroom listings, never treat it as observed asking rent. |
| 2 bedrooms | $1,702 | Saratoga County, NY | HUD administrative benchmark; compare with same-bedroom listings, never treat it as observed asking rent. |
| 3 bedrooms | $2,041 | Saratoga County, NY | HUD administrative benchmark; compare with same-bedroom listings, never treat it as observed asking rent. |
| 4 bedrooms | $2,253 | Saratoga County, NY | HUD administrative benchmark; compare with same-bedroom listings, never treat it as observed asking rent. |
Zillow asking rent, ACS gross rent and HUD FMR describe different housing universes. They remain separate and no metro, city or neighboring-county value replaces missing county evidence.Zillow pulled 2026-07-26 · HUD pulled 2026-07-26
Everything here joins on the county FIPS code, so each figure comes from the agency that publishes it with no name matching in between.
Zillow estimates a current home value. FHFA tracks repeat mortgage transactions. Their growth rates should be read side by side, not averaged.
Survey source: Census ACS 5-year — county housing value, tenure and stock · ACS 2024 5-year · pulled 2026-07-30. These values describe different housing universes and are not combined into gross yield.
Workplace source: BLS QCEW — county employment and wages · annual county employment and wages 2021-2025; latest 2025 vs 2024 · pulled 2026-08-02. QCEW counts covered jobs located in the county, not employed residents or the metro score’s CES/LAUS series.
BEA per-capita personal income divides all personal income by the county population. It is broader than wages, but it is not household income or a measure of what renters can afford.
HUD CHAS separates renter households by income relative to local HAMFI. Moderate burden means housing costs above 30% through 50% of income; severe burden means more than 50%.
These Apartment List observations match the exact county Census code 36091. They are kept separate from Zillow asking rent, Census occupied-home rent and wider metro measures.
Monthly overall-rent index; missing observations are not filled from another geography.
Saratoga County’s decision tension is that a 4.65% gross market-rent yield sits against a $474,850 Zillow median home value and meaningful carrying-cost exposure. The published $1,840 monthly figure is median asking market rent, not a subsidy standard; this merits property-level investigation for operators able to verify expenses and rent durability, while margin-sensitive underwriting should be cautious. The yield is before taxes, insurance, repairs, vacancy and financing.
On Zillow’s county series, home value rose 5.67% year over year while asking rent rose 4.74%; that gap matters because price growth has exceeded rent growth. The effective property-tax rate is 1.40%, and median annual tax is $4,875, a carrying-cost input not deducted from gross yield. HUD’s $1,702 monthly two-bedroom FMR is a payment standard, not a market-rent estimate. It should not replace the published asking rent in cash-flow underwriting.
Realtor.com MLS listing-market evidence shows 556 active listings and a 7.78% price-reduced share. These measure visible supply and seller concessions, not closed-sale prices or stand-alone proof of buyer demand. Tax-return migration shows net in-migration and higher average income for in-movers than out-movers; that is county-level demand context rather than property-level proof. QCEW annual workplace data show covered employment and average weekly wages rose; Trade, transportation, and utilities is the largest disclosed private supersector, not the whole economy. Investors accounted for 150 of 2,370 purchases, a 6.33% share: present participation, but not a dominant mortgage buyer cohort.
FHFA’s annual 2025 repeat-transaction HPI rose 6.75%, a price-change index rather than a home value. Its direction accords with Zillow’s price movement, but their differing methods and observation labels make them non-combinable; no blended appreciation rate is valid. Inland flood is the dominant hazard, with modeled expected annual climate loss of 0.09% of building value. Missing property-level flood-zone, claims, insurance-quote, replacement-cost, utilities, repair, vacancy and financing evidence prevents a net-income, debt-coverage or property-specific hazard conclusion.
Open a five-digit report for asking rent, affordability, rent history and resale liquidity. Each row keeps its ZIP/ZCTA measurement scope.
| ZIP report | City label | Zillow rent | 1Y change | ACS burden 30%+ | Population |
|---|---|---|---|---|---|
| ZIP 12866 rental reportSaratoga County | Saratoga Springs, NY | $2,481 | ▲ 3.8% | 42.6% | 40,057 |
Zillow ZORI is an asking-rent index. ACS burden and population describe the Census ZCTA; missing observations remain n/a.
Census-recognized incorporated places and CDPs that intersect this county. The list does not pretend to include every neighborhood or informal community.
Population is the total place-wide ACS estimate, not an allocated county share. A place crossing a county line is labelled explicitly. Source: Census ACS 5-year — cities and communities · ACS 2024 5-year · pulled 2026-07-30.
0.092% of building value expected lost per year
$4,875 median annual bill
6,807 in · 6,530 out
$87,988 arriving · $78,668 leaving
150 of 2,370 mortgages
Listing price is an asking price, not a closed sale. Quality-flagged county rows are withheld instead of displayed.
A metro is an average of these. Which side of a county line a property sits on can change the tax bill, the hazard profile and the tenant pool.
| County | Population | Price | Rent | Yield | Hazard |
|---|---|---|---|---|---|
| Saratoga County | 238,284 | $475k | $1,840 | 4.7% | inland flooding |
| Albany County | 317,018 | $377k | $1,649 | 5.2% | inland flooding |
| Schenectady County | 160,369 | $315k | $1,467 | 5.6% | inland flooding |
| Rensselaer County | 160,332 | $332k | $1,634 | 5.9% | inland flooding |
| Schoharie County | 30,049 | $259k | n/a | n/a | inland flooding |
It publishes median asking market rent separately from HUD FMR, which is identified as a payment standard.
No. It is a gross yield before operating costs, taxes, insurance, vacancy and financing.
It describes the MLS listing market through active supply and price reductions; it does not establish closed-sale pricing or buyer demand by itself.