Retirement Planning in Saratoga County, NY

What does it take to retire comfortably in Saratoga County? Here are the numbers.

Median Income

$97,038

Retirement Income (80%)

$77,630

Est. Nest Egg Needed

$1,091,675

Cost of Living Index

149

Retirement Income Analysis

Income Needs (Annual)

Target Income (80% rule)$77,630
Est. Social Security$33,963

Annual Income Gap$43,667

Housing Costs

Median Rent$1,305/mo
Annual Housing$15,660
Property Tax Rate1.5%

Median Home Value$306,000

About Saratoga County, New York

Saratoga County in New York has a median household income of $97,038 and a homeownership rate of 72.1%. Using the 4% rule, retirees in this county would need approximately $1,091,675 in savings to cover the gap between Social Security and their target retirement income.

These are estimates based on county-level medians. Your actual retirement needs depend on your specific income, expenses, healthcare costs, Social Security benefits, and investment portfolio. Use our calculator for a personalized Monte Carlo analysis.

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Property and place

Health and care costs

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: SSA, BLS. Estimates based on county-level medians and the 4% withdrawal rule. This is not financial advice.