Saratoga County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.11, -73.86.
Assembled 2026-10-06. Read the brief.
- 91st pct · 248th of 3,063 US counties · median $234,566
- 80th pct · 13th of 62 New York counties · median $256,722
- 100th pct · 1st of 5 counties in the Albany-Schenectady-Troy metro · median $329,236
- 77th pct · 676th of 3,063 US counties · median +2.9%
- 52nd pct · 30th of 62 New York counties · median +5.7%
- 50th pct · 3rd of 5 counties in the Albany-Schenectady-Troy metro · median +5.7%
- 76th pct · 331st of 1,399 US counties · median $1,496
- 66th pct · 17th of 49 New York counties · median $1,531
- counties in the Albany-Schenectady-Troy metro: only 4 of counties in the Albany-Schenectady-Troy metro published this metric; fewer than 5 is too few to rank
- 89th pct · 330th of 3,221 US counties · median 8,232
- 73rd pct · 17th of 62 New York counties · median 32,139
- 75th pct · 2nd of 5 counties in the Albany-Schenectady-Troy metro · median 60,786
- 90th pct · 298th of 3,221 US counties · median $1,039
- 81st pct · 12th of 62 New York counties · median $1,250
- 25th pct · 4th of 5 counties in the Albany-Schenectady-Troy metro · median $1,532
- 82nd pct · 546th of 3,063 US counties · median 4.3
- 78th pct · 14th of 62 New York counties · median 4.1
- 100th pct · 1st of 5 counties in the Albany-Schenectady-Troy metro · median 4.3
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $472,462 (Aug 2026), +5.7% over one year, +32.1% over five
- 91st pct · 248th of 3,063 US counties · median $234,566
- 80th pct · 13th of 62 New York counties · median $256,722
- 100th pct · 1st of 5 counties in the Albany-Schenectady-Troy metro · median $329,236
| Item | Value | Distance |
|---|---|---|
| Saratoga County, NY | $472,462 · +5.7% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Typical rent $1,845/mo (Aug 2026), +5.4% over one year; price-to-rent 21.3
- 76th pct · 331st of 1,399 US counties · median $1,496
- 66th pct · 17th of 49 New York counties · median $1,531
- counties in the Albany-Schenectady-Troy metro: only 4 of counties in the Albany-Schenectady-Troy metro published this metric; fewer than 5 is too few to rank
| Item | Value | Distance |
|---|---|---|
| Saratoga County, NY | $1,845/mo · +5.4% 1-yr |
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $2,586 a month on $472,462 at 7.28%, against an average weekly wage worth $6,227 a month: 41.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $472,462 × 80% = $377,970, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,586/mo principal and interest
- wage share = payment / (avg weekly wage $1,437 × 52 / 12 = $6,227) = 42% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $472,462 / ($1,437 × 52) = 6.3
- price-to-rent = $472,462 / ($1,845 × 12) = 21.3
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
90,077 jobs at 6,557 employers (2026 Q1); -1.8% jobs and +5.7% average weekly wage over the year
- 89th pct · 330th of 3,221 US counties · median 8,232
- 73rd pct · 17th of 62 New York counties · median 32,139
- 75th pct · 2nd of 5 counties in the Albany-Schenectady-Troy metro · median 60,786
| Item | Value | Distance |
|---|---|---|
| Saratoga County, NY | 90,077 jobs · $1,437/wk · -1.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 11,762 | $1,278 | 0.87 | -10.9% |
| Retail trade | 11,438 | $831 | 1.30 | -1.0% |
| Accommodation and food services | 9,354 | $617 | 1.16 | -0.7% |
| Manufacturing | 6,407 | $2,141 | 0.88 | +3.2% |
| Professional and technical services | 6,368 | $2,227 | 1.02 | +0.4% |
| Construction | 5,752 | $1,804 | 1.22 | +13.6% |
| Wholesale trade | 4,008 | $2,054 | 1.16 | -6.2% |
| Finance and insurance | 3,542 | $4,250 | 0.97 | -2.5% |
| Educational services | 2,855 | $796 | 1.47 | +2.7% |
| Other services | 2,786 | $903 | 1.03 | -2.3% |
| Administrative and waste services | 2,466 | $1,292 | 0.48 | -7.1% |
| Arts, entertainment and recreation | 1,888 | $622 | 1.27 | +8.3% |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Drought #
No drought class at this point (USDM covers the United States only)
Sites found: 5, searched within 0 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 0 km away are not.
US Drought Monitor current week; the highest class of any polygon containing the point.
Reservoirs #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
Sites found: 0, searched within 150 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 150 km away are not.
Σ(capacity × percent full) / Σ capacity over TWDB reservoirs within 150 km. Texas only; elsewhere USGS reservoir elevation/storage is listed without a capacity to normalise by.
Stream gauges #
55 gauges · 0 flooding · 14 with quality panels averaging 100 % · 11 stale
Sites found: 55, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| USGS-01330500 | flow 99.7 ft³/s · STALE | 9 km |
| USGS-01330000 | flow 8.21 ft³/s | 10 km |
| USGS-01325000 | flow 423.0 ft³/s | 23 km |
| USGS-01318500 | flow 361.0 ft³/s | 24 km |
| USGS-01327750 | flow 1,920 ft³/s | 28 km |
| USGS-01355475 | stage 12.0 ft · quality 100 % (2) | 28 km |
| USGS-01354230 | stage 25.2 ft · quality 100 % (1) | 29 km |
| USGS-01354500 | flow 1,150 ft³/s | 31 km |
| USGS-01354330 | stage 12.0 ft · quality 100 % (5) | 33 km |
| USGS-01327500 | flow 34.9 ft³/s | 33 km |
USGS latest readings screened against EPA freshwater criteria (DO ≥ 5 mg/L, pH 6.5–9, conductance, turbidity, temperature); NWS flood categories where a NWPS gauge is co-located.
Groundwater #
22 wells in 0 named aquifers:
Sites found: 22, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| USGS-430327073475401 | depth 40.5 ft · 2026-10-05 | 7 km |
| USGS-431357073425301 | level 337.2 ft · 2022-10-04 | 18 km |
| USGS-425048073472501 | depth 3.68 ft · 2026-10-05 | 29 km |
| USGS-431509074093201 | depth 29.3 ft · 2026-10-05 | 29 km |
| USGS-424859073585501 | depth 8.48 ft · 2026-10-05 | 34 km |
| USGS-430120073232201 | depth 14.3 ft · 2026-10-05 | 39 km |
| USGS-430405074222501 | depth 14.2 ft · 2010-05-16 | 42 km |
| USGS-425432073233401 | depth 15.6 ft · 2026-10-05 | 44 km |
USGS latest daily water levels. A single latest reading says where the table is, not which way it is moving; select a well for its 365-day trace.
Water stress #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$6.7 bn in deposits at 70 offices of 15 banks (SOD June 2026); HHI 1,145, moderately concentrated. $1.7 bn federal obligations in FY2026 (direct payments $1.6 bn, contracts $67.9 m), $18,430 per covered job
| Item | Value | Distance |
|---|---|---|
| The Adirondack Trust Company | $1.4 bn · 20.5% share · 10 offices | |
| Bank of America, National Association | $886.4 m · 13.2% share · 2 offices | |
| KeyBank National Association | $767.0 m · 11.4% share · 6 offices | |
| Saratoga, NY | $1.7 bn FY2026 · $18,430/job | |
| MULTIPLE RECIPIENTS | $1.5 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Adirondack Trust Company | $1,377,791,000 | 20.5% | 10 |
| Bank of America, National Association | $886,448,000 | 13.2% | 2 |
| KeyBank National Association | $766,999,000 | 11.4% | 6 |
| TrustCo Bank | $756,171,000 | 11.2% | 14 |
| Ballston Spa National Bank | $701,782,000 | 10.4% | 10 |
| Arrow Bank National Association | $658,275,000 | 9.8% | 8 |
| Citizens Bank, National Association | $363,582,000 | 5.4% | 2 |
| NBT Bank, National Association | $322,084,000 | 4.8% | 4 |
| TD Bank, National Association | $260,856,000 | 3.9% | 2 |
| Pioneer Bank, National Association | $236,992,000 | 3.5% | 3 |
Deposit concentration is 1,145 across 15 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 15 banks with deposits in the county = 20.5² + 13.2² + 11.4² + … (12 more) = 1,145
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Social Security Administration | $1,397,983,157 |
| Department of Veterans Affairs | $113,258,814 |
| Department of Defense | $43,648,435 |
| Department of Transportation | $31,865,433 |
| Department of Health and Human Services | $18,774,400 |
| Department of Housing and Urban Development | $15,103,797 |
| Railroad Retirement Board | $11,147,658 |
| Department of Energy | $10,130,992 |
| Department of State | $8,817,682 |
| Department of Education | $4,078,615 |
| Federal Communications Commission | $2,333,108 |
| Department of Homeland Security | $1,189,991 |
That is $18,430 per covered job, against 90,077 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.7 bn / 90,077 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,430
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 12.69 | 2026-10-05 | +3.3% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.60 | 2026-10-06 | +0.0% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 6.00 | 2026-09-22 | -14.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 6,830.00 | 2026-08-01 | +7.4% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -88,576.00 | 2026-07-01 | -24.4% |
| Retail sales excluding food services, monthly · $ millions | 646,347.00 | 2026-08-01 | +1.1% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
Saratoga County, NY: 13 findings, 1 at a watch level and 12 noted
watchSaratoga County, NY's covered employment is -1.8% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026 Q1.Show the arithmetic
- test: jobs.yoy.emp = -1.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteSaratoga County, NY's average weekly wage was 5.7% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +5.7 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteSaratoga County, NY's covered employment was 1.8% lower than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- -1.8 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteSaratoga County, NY's typical asking rent fell 0.3% from $1,851 in July 2026 to $1,845 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -0.3% = (1845.3245793514661 - 1851.2131244447453) / 1851.2131244447453 × 100
- 1845.3245793514661 = Zillow ZORI, 2026-08
- 1851.2131244447453 = Zillow ZORI, 2026-07
noteSaratoga County, NY's typical home value rose 0.3% from $471,084 in July 2026 to $472,462 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (472462.33677614416 - 471084.2846006141) / 471084.2846006141 × 100
- 472462.33677614416 = Zillow ZHVI, 2026-08
- 471084.2846006141 = Zillow ZHVI, 2026-07
Read all 12 findings in the full brief
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.