Northwestern Saratoga, Saratoga Housing Market · 2026

Data through Mar 2026

Northwestern Saratoga, Saratoga Market Snapshot

Northwestern Saratoga is still one of the most competitive markets in the Bay Area, but competition is starting to ease. Here's the picture:

Based on 31 homes sold in March 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.

Data through March 2026

SalesWhat are homes selling for?
Median Sale Price
$4.17M
Up 1.2% from March 2025
Up $50K from March 2025
Homes Sold
31
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$25,709/mo
6.53% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$21,177
  • Property Tax$4,349
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
12 days
4 more days than in March 2025
Homes sell in a week or two
Sale-to-List Ratio
106.8%
Down from 107.0% in March 2025
Selling 7% above asking
% Sold Over Asking
68%
68% of homes sold above their asking price
Active Listings
16
Down 40.7% from March 2025
About 0.5 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in Northwestern Saratoga.

Median Sale Price
Up 1.2% year-over-year in Northwestern Saratoga. Based on 31 sales in the most recent month.
Homes Sold
7% more homes sold than a year ago in Northwestern Saratoga.
Total Monthly Payment
Estimated monthly cost is down 1% from a year ago in Northwestern Saratoga, reflecting changes in both price and mortgage rates.

Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.

30-Year Fixed Mortgage Rate (National Avg.)
National average currently at 6.53%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about Northwestern Saratoga, Saratoga

Is now a good time to buy in Northwestern Saratoga, Saratoga?

Northwestern Saratoga, Saratoga is still a highly competitive market, but conditions are starting to ease. Buyers should move quickly on well-priced homes and expect to offer above asking, though the most intense bidding wars may be tapering.

How do Northwestern Saratoga, Saratoga home prices compare to the Bay Area average?

At $4.17M, Northwestern Saratoga, Saratoga's median sits about 123% above the Bay Area average of $1.88M. Northwestern Saratoga, Saratoga is on the higher end of the regional market.

This is close to the Saratoga city-wide median of $4.10M.

By home type:

  • Single-family homes at $4.34M
  • Townhomes at $2.14M
  • Condos at $1.09M
What price range should I budget for in Northwestern Saratoga, Saratoga?

Prices in Northwestern Saratoga, Saratoga depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $4.34M
  • Townhomes at $2.14M
  • Condos at $1.09M

Individual listings vary widely based on location, size, and condition. The best calibration is to narrow to a few specific neighborhoods you are considering and look at recent sales there.

How competitive is Northwestern Saratoga, Saratoga for buyers?

Northwestern Saratoga, Saratoga is one of the Bay Area's more competitive markets:

  • Homes sell about 7% above asking on average
  • 68% close above list price
  • 12 days typical time to go pending

Buyer strategy: budget 5 to 10% above ask on well-priced listings, with financing pre-approved and offers ready to move quickly.

What will my total monthly cost be on a median-priced Northwestern Saratoga, Saratoga home?

At $4.17M with 20% down at 6.53%, your estimated total monthly cost is approximately $25,709:

  • $21,177 principal and interest
  • $4,349 property tax (California 1.25% effective rate)
  • $183 homeowners insurance

HOA fees are extra. Condo buyers typically budget an additional $300 to $700 per month for HOA, and townhome HOAs run $200 to $500.

No noise, just a quick weekly read on what's going on in your market.

Melanie Tan
Melanie Tan
DRE #02250755
“I help Bay Area buyers and sellers make confident moves with the latest market data, real local expertise, and the patience to find what's actually right for you, not the fastest close.”
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