Saratoga, TX—77585
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Saratoga, TX
As of Oct '25, the median home price in Saratoga, TX is $149,000, with a year-over-year change of -0.8%. This indicates that home prices in Saratoga, TX are flat. According to Zillow, the 1-year price projection is -4.6%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $149,000 | -0.8% |
| Single Family | $149,000 | -2.6% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | N/A | N/A |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Saratoga, TX
Saratoga, TX lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Saratoga, TX
As of Oct '25, Realtor.com reports that the median days on market for a home in Saratoga, TX is 65. This is a increase of 22.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $320,000 | 1.0% |
Listing Count | 5 | 71.0% |
| Listings as % of Homes | 0.2% | 71.0% |
Days on Market | 65 | 22.0% |
Demographics — Saratoga, TX
As of the latest ACS Survey released in 2023, Saratoga, TX has a population of 1,120, which has increased by 12.5% over the past 5 years. Saratoga, TX is a popular place for families, as children make up 35.6% of the population. The area has a poorly educated workforce, with 8.8% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 1,120 | 12.5% |
% Under 18 | 35.6% | 86.4% |
% Seniors | 3.6% | -76.5% |
% WFH | 5.0% | ∞% |
% w/ College Degree | 8.8% | 14.3% |
Saratoga, TX lacks sufficient race and ethnicity data for analysis.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 98.9% | 7.3% |
% Black | 0.0% | N/A |
% Hispanic | 0.0% | -100.0% |
% Asian | 0.0% | N/A |
% Foreign Born | 0.0% | N/A |
Mortgage and Risk — Saratoga, TX
According to HUD data as of 2023, there were 27 mortgage originations in Saratoga, TX, of which 74.0% of loans were conventional mortgages. The average loan-to-value was 86.0%, with 59.0% above 90% LTV (very high). This implies large mortgage risk in Saratoga, TX. Investor activity is low, as 0.0% of loans were by investors. 7.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 27 |
% Conventional Loans | 74.0% |
% Government Loans | 26.0% |
% Investor Loans | 0.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 7.0% |
Loan Activity
Rentals and Section 8 — Saratoga, TX
Saratoga, TX lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | N/A |
Total Units Section 8 | N/A |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $870 |
| 2 Bedroom | N/A | N/A | $1,050 |
| 3 Bedroom | N/A | N/A | $1,380 |
| 4 Bedroom | N/A | N/A | $1,580 |
Affordability — Saratoga, TX
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.6 |
| Median Home Price | $149,000 |
| Median Household Income | N/A |