Market Overview
Home Prices in Saratoga, TX
The median home value in Saratoga, TX is $161,033 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.3% compared to a year ago and up 0.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Saratoga are priced61% below average. Saratoga is part of the Beaumont-Port Arthur, TX metro area.
Price History
Saratoga Home Price Trend
2022
$172,689
$173K
—
2023
$156,961
$157K
-9.1%
2024
$159,344
$159K
+1.5%
2025
$160,491
$160K
+0.7%
2026
$161,033
$161K
+0.3%
City Comparison
Saratoga vs. National Median
🏠 Saratoga
$161,033
National Median
$410,000
At $161,033, homes in Saratoga cost 61% below the national median of $410,000. This makes Saratoga a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Saratoga?
20% Down Payment
$32,207
on $161,033
Monthly P&I
$840/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,067/mo
incl. taxes & insurance
Income Needed
$42,680
gross annual (30% rule)
10% Down Option
$16,103
+ PMI applies
Loan Amount (20% dn)
$128,826
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 Saratoga, TX?
The median home value in Saratoga is $161,033 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.3% year-over-year.
How much have home prices changed in Saratoga?
Over the past year, home values in Saratoga have increased by 0.3%.
How much do I need to earn to buy a home in Saratoga?
To comfortably afford the median home price of $161,033 with a 20% down payment ($32,207) at today's rates (6.8%), you'd need a gross annual income of approximately $42,680. This assumes keeping total housing costs at or below 30% of gross income.
How does Saratoga compare to the national average home price?
The national median home value is approximately $410,000. At $161,033, homes in Saratoga are 61% below the national average.
What metro area is Saratoga part of?
Saratoga is part of the Beaumont-Port Arthur, TX metropolitan area. Home prices and market conditions can vary across the broader metro region.