Market Snapshot
- Median listing price
- $4.34M
- Median rent
- $7,195/mo
- Days on market
- 149 days
- Gross rental yield
- 1.99%
The median listing price in Saratoga, CA ZIP 95070 is $4,339,466.5 as of July 2026.
The median market rent in Saratoga, CA ZIP 95070 is $7,195/month as of July 2026.
The median days on market in Saratoga, CA ZIP 95070 is 149 days as of July 2026. The market is currently hot.
At a median list price of $4,339,466.5 and a median rent of $7,195/month, the gross rental yield in Saratoga, CA ZIP 95070 is 1.99% as of July 2026.
Saratoga, CA 95070 Real Estate Market Report
ZIP Code: 95070
Report Date: July 2026
Scope: This ZIP code analysis focuses on single-family residential (SFR) properties. Metrics are calculated from recent sales and active listings within the past 90 days.
Market Overview
This analysis is based on a sample of properties from this ZIP code (up to 200 sold properties and up to 100 active properties). The median prices below are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.
Market Metrics
The property counts shown above represent only the properties analyzed in this report sample, not the total inventory for this ZIP code. Median prices are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.
Rental Market
Note: The relationship between property values and rental rates reflects different market dynamics. Higher-priced properties may have lower rental yields due to factors such as luxury market positioning, owner-occupancy preferences, or long-term appreciation strategies rather than immediate rental income maximization.
Property Taxes
Liquidity & Velocity
Market Trends & Context
Understanding Market Temperature
A Hot market indicates strong buyer demand with limited inventory, typically characterized by rising prices, quick sales (low days on market), and inventory levels below historical averages.
Current Mortgage Rate Context
Market-level mortgage rate comparison for this area:
Current 30-year fixed mortgage rates in Saratoga, CA are averaging 6.6%, reflecting a stable market environment for property owners compared to earlier 2026 benchmarks.
Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.
Key Findings
- 4,067,000 median sold price anchors recent market value and reflects completed transactions in July 2026; given the hot market temperature, this suggests realized prices remain strong despite mixed trend signals.
- 4,339,467 median listing price sits above the median sold price and may indicate pricing friction where seller expectations exceed recent transaction levels; sellers should consider that listing asks are not automatically converting to higher sold prices.
- 149 median days on market points to slower sales velocity relative to rapid-turn markets and may indicate longer decision cycles for buyers even as the market favors sellers; this suggests agents should emphasize targeted marketing and staged negotiation strategies.
- 7,195 median market rent combined with a rent year-over-year trend of up supports robust rental demand, offering potential confidence for investor buyers and owners assessing hold vs. sell decisions, while elevated interest rate pressure (elevated) may temper purchase affordability for some buyer segments.
Notable Properties
The following 8 properties represent notable market examples and recent transactions that illustrate key market dynamics. These are illustrative examples selected for their significance (top sales, market benchmarks, quick sales) and are not the basis for the statistical calculations shown above.
Recent Transactions
Highest sale in the past 90 days. Fully renovated with modern finishes and premium lot positioning.
Sold above market average
Sold above market average
Representative market sale establishing baseline for properties in the core neighborhood.
Representative market sale establishing baseline for properties in the core neighborhood.
Representative market sale establishing baseline for properties in the core neighborhood.
Sold at market average
Sold at market average
Investment Analysis
Compare rental income potential against ownership costs and benchmark against market averages.
Monthly rental income vs estimated ownership cost
20% down, 6.49% rate, 0.5% tax
Avg nightly rate and occupancy for this ZIP
Data Sources
Real estate market data & public records, and GemHaus® proprietary models.
Report generated: 7/10/2026
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