Photo by Quinn Simonson on Unsplash (https://unsplash.com/@qsimo22)
Saratoga, California Retirement Guide
established retirement community
35
Retirement Score
Saratoga, California at a Glance
- Median Home Price
- $2,000,001
- State Income Tax
- N/A
- Avg January Low
- N/A
- Cost of Living Index
- N/A
- Best For
- established retirement community
- RetireCityIQ Score
- 35 / 100
Retirement Data
Affordability
Cost of Living IndexData not available
Median Home Price
$2,000,001High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$3,501High confidence
U.S. Census ACS 5-Year · Updated April 2026
Taxes
Retirement Tax ScoreData not available
Tax DetailsData not available
Retiree Readiness (Sprint 2)
Care Access Score (proxy)Data not available
Aging-in-Place Score (proxy)Data not available
Healthcare
Healthcare Access ScoreData not available
Climate
Avg July HighData not available
Avg January LowData not available
Annual PrecipitationData not available
Sunny Days / YearData not available
Safety
Safety ScoreData not available
Walkability
Walk Score (proxy)Data not available
Transit Score (proxy)Data not available
Demographics
Population
30,771High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
50.9High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
24.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$237,730High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
87.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
4.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
79.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
3.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
39.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
0.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
2.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
55.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Saratoga using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$4,333
Stress-case monthly carrying cost
$4,867
Median home price used: $2,000,001
Median rent reference: $3,501 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.