Market Overview
Home Prices in Saranac, NY
The median home value in Saranac, NY is $199,170 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.2% compared to a year ago and down 0.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Saranac are priced51% below average. Saranac is part of the Plattsburgh, NY metro area.
Price History
Saranac Home Price Trend
2024
$191,569
$192K
—
2025
$191,118
$191K
-0.2%
2026
$199,170
$199K
+4.2%
City Comparison
Saranac vs. National Median
🏠 Saranac
$199,170
National Median
$410,000
At $199,170, homes in Saranac cost 51% below the national median of $410,000. This makes Saranac a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Saranac?
20% Down Payment
$39,834
on $199,170
Monthly P&I
$1,039/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,320/mo
incl. taxes & insurance
Income Needed
$52,800
gross annual (30% rule)
10% Down Option
$19,917
+ PMI applies
Loan Amount (20% dn)
$159,336
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Saranac, NY?
The median home value in Saranac is $199,170 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.2% year-over-year.
How much have home prices changed in Saranac?
Over the past year, home values in Saranac have increased by 4.2%.
How much do I need to earn to buy a home in Saranac?
To comfortably afford the median home price of $199,170 with a 20% down payment ($39,834) at today's rates (6.8%), you'd need a gross annual income of approximately $52,800. This assumes keeping total housing costs at or below 30% of gross income.
How does Saranac compare to the national average home price?
The national median home value is approximately $410,000. At $199,170, homes in Saranac are 51% below the national average.
What metro area is Saranac part of?
Saranac is part of the Plattsburgh, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.