Median Income
$61,364
18% lower than US avg
Home Value
$60,400
79% lower than US avg
Violent Crime
0/100K
100% lower than US avg
Bachelor's+
8.7%
74% lower than US avg
Median Rent
$684
41% lower than US avg
Obesity Rate
36.8%
15% higher than US avg
Unemployment
4.9%
36% higher than US avg
Poverty Rate
5.3%
57% lower than US avg
How Saratoga Compares to the U.S. Average (100% = U.S. avg)
People
Population293
Median Age27.4 yrs
Density1,085/mi²
Male / Female53% / 47%
Largest GroupWhite 99%
Veterans2.5%
Economy
B+
Median Income$61,364
Per Capita$21,089
Unemployment4.9%
Poverty5.3%
County GDP$3,389M
Commute16 min
Housing
A+
Home Value$60,400
Rent$684
Ownership66.3%
Zillow$149,155
Housing Units130
Rent Burden14.1%
Crime
C+
Violent0/100K
Property4,763/100K
Health
Obesity36.8%
Uninsured8.5%
Smoking16.6%
Depression26.7%
Heart Disease5.7%
Climate
Avg Temp51°F (10°C)
AQI41 (Good)
Rain40.1 in/yr
Sunny Days275/yr
Elevation1,052 ft (321 m)
Education
D
Bachelor's+8.7%
High School+84.6%
Graduate+8.2%
School Score6.01
Community
2024 VoteR 82% / D 17%
Commute16 min
Broadband98.0%
EV Stations3
Libraries4
Is Saratoga a Good Place to Live?
Based on current data, Saratoga receives an overall livability score of 3.2 out of 5.0, earning a grade of B. Key strengths include low crime rates, affordable housing, abundant sunshine, a low poverty rate. Saratoga offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Saratoga is $61,364, 18% below the national average of $75,149. Unemployment stands at 4.9%, indicating a healthy job market. Only 5.3% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 16 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Saratoga is $60,400, 79% below the national median / offering relatively affordable homeownership. Renters pay a median of $684 per month, below the national average / a plus for affordability. At just 1x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Saratoga is a very safe community with a violent crime rate of 0 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 4,763 per 100,000, 143% above the national average.
Education
8.7% of residents hold a bachelor's degree, below the national average of 33.7%. 84.6% have completed high school. Area schools have an average test score of 6/10.
Climate & Weather
Saratoga experiences four distinct seasons with an average temperature of 51°F. Winters average 26°F in January while summers reach 73°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 40.1 inches. Air quality is rated Good with a median AQI of 41.
Saratoga has a population of 293 with a density of 1,085 people per square mile, spread across 0.3 square miles. The median age is 27.4 years, 30% younger than the national median of 38.9. The gender split is 47.4% female and 52.6% male. The city is predominantly White (99%). English is the primary language spoken at home by 98.9% of residents. 2.5% of the population are veterans, below the national rate of 6.0%. 20.2% of residents have a disability (above the 13.0% national average). 82.7% have health insurance coverage.
Population
27.4yrs
Median Age
30% below US avg
Language Spoken at Home
English Only
98.9%
26% above US avg
Spanish
1.1%
92% below US avg
The median household income in Saratoga is $61,364, which is 18% below the national average of $75,149. Per capita income is $21,089 (below the $39,052 national figure). The average weekly wage is $970, 32% lower than the U.S. average. The unemployment rate is 4.9% (above the 3.6% US average). 5.3% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 1,354 business establishments, including 83 restaurants. The cost of living index is 93.3, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 16 minutes (shorter than the 28-minute US average). 0.0% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $61,364 |
| 18% below US avg |
| Per Capita Income | $21,089 |
| Avg Weekly Wage | $970 |
| IRS Avg AGI | $64,246 |
| Gini Index | 0.442 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 4.9% |
| 36% above US avg |
| Poverty Rate | 5.3% |
| 57% below US avg |
| Establishments (County) | 1,354 |
| County GDP | $3,389M |
Business (County)
| Restaurants | 83 |
| Healthcare | 85 |
| Retail | 170 |
| Manufacturing | 64 |
Tax & Cost of Living
| Property Tax (IRS) | $3,704 |
| 6% above US avg |
| Cost of Living | 93.30 (100=avg) |
| Effective Tax Rate | 6.13% |
Commute & Transportation
| Commute Time | 16.4 min |
| Drive Alone | 78.3% |
| Public Transit | 0.0% |
| Work from Home | 0.0% |
The median home value in Saratoga is $60,400, 79% below the national median of $281,900. Zillow estimates the typical home value at $149,155, higher than the Census estimate. Monthly rent averages $684 (41% below the national average of $1,163). Fair market rent ranges from $882 for a one-bedroom to $1,096 for a two-bedroom apartment. 66.3% of housing units are owner-occupied. There are 130 total housing units in the city. The median year a home was built is 1950. The average annual property tax is $3,704. 14.1% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1x, well within the affordable range.
Home Values
| Census Median | $60,400 |
| 79% below US avg |
| Zillow ZHVI | $149,155 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $684 |
| 41% below US avg |
| Rent Burden | 14.1% |
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $882 |
| 2 Bedrooms | $1,096 |
| 3 Bedrooms | $1,391 |
| 4 Bedrooms | $1,590 |
Ownership & Property
| Homeownership | 66.3% |
| Owner-Occupied | 66.3% |
| Renter-Occupied | 33.7% |
| Housing Units | 130 |
| Median Year Built | 1950 |
Property Tax
| Avg Tax (IRS) | $3,704 |
| 6% above US avg |
| Effective Rate | 6.13% |
In Saratoga, 36.8% of adults are obese, above the national rate of 32.1%. 10.5% have diabetes. Heart disease affects 5.7% of residents. 33.0% have high blood pressure. 16.6% are current smokers. 17.6% report binge drinking. 24.4% are physically inactive. 26.7% report depression (above the 20.0% national average). 19.2% experience frequent mental distress. 8.5% of residents lack health insurance. The primary care physician ratio is 1:2,150. The dentist ratio is 1:2,342. 57.4% of residents have access to exercise opportunities. The food environment index is 8.1 out of 10.
Health Metrics: Saratoga vs U.S. Average (%)
Chronic Conditions
| Obesity | 36.8% |
| 15% above US avg |
| Diabetes | 10.5% |
| Heart Disease | 5.7% |
| High Blood Pressure | 33.0% |
| Asthma | 11.3% |
| COPD | 7.2% |
| Cancer | 7.3% |
| Stroke | 2.9% |
Behaviors & Mental Health
| Smoking | 16.6% |
| 19% above US avg |
| Binge Drinking | 17.6% |
| Physical Inactivity | 24.4% |
| Depression | 26.7% |
| Mental Distress | 19.2% |
| Physical Distress | 13.3% |
| Short Sleep | 36.6% |
Healthcare Access
| Insurance Rate | 82.7% |
| Uninsured | 8.5% |
| 1% below US avg |
| Primary Care | 1:2,150 |
| Dentists | 1:2,342 |
| Mental Health | 1:1,028 |
| Checkup Rate | 77.3% |
| Dental Visits | 65.3% |
| Premature Death | 9,154/100K |
Food & Exercise
| Food Environment | 8.1/10 |
| Exercise Access | 57.4% |
| Healthcare Facilities | 85 |
Saratoga has a violent crime rate of 0 per 100,000 residents, 100% below the national average of 380. Property crime stands at 4,763 per 100,000, 143% above the U.S. average. The county recorded 11 fatal traffic crashes. The area has experienced 91 federally declared disasters. Overall, Saratoga receives a safety grade of C+.
Crime Rates: Saratoga vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 0.0/100K |
| 100% below US avg |
| |
Property Crime
| Total Property | 4,762.9/100K |
| 143% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 11 |
| Avg Accident Severity | 0.0 / 4.0 |
| FEMA Disasters | 91 |
Safety Score
| Safety Grade | C+ |
| Safety Score | 2.5 / 5.0 |
Saratoga experiences four distinct seasons with an average annual temperature of 51°F (10°C). Winters average 26°F in January while summers reach 73°F in July. The area gets 275 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 40.1 inches. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 1,052 feet.
Temperature
26°F Jan (-4°C)
73°F Jul (23°C)
| Annual Average | 50.8°F |
| 6% below US avg |
| January Average | 26°F (-4°C) |
| July Average | 73°F (23°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 1,052 ft (321 m) |
| Area | 0.3 sq mi (0.7 km²) |
| Population Density | 1,085/sq mi |
| Coordinates | 40.2368°N, 84.9158°W |
| Timezone | America/Indiana/Indianapolis |
| County | Darke County County |
| Nearest Airport | Delaware County Regional (MIE)
25 miles away |
Precipitation & Snow
Annual Rainfall
40.1"
5% above US avg
Wettest Month (Jul)
4.02"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 52.7 / 100 |
| Social Vulnerability | 21.0 / 100 |
| Community Resilience | 80.7 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
No Rating |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
7 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.8. Most recent: M2.6 on Jun 12, 2015.
| Sep 12, 2004 |
4 km NW of Manilla, Indiana |
M3.8 |
95 km |
| Apr 17, 1990 |
8 km NW of Fort Recovery, Ohio |
M3.0 |
25 km |
| Apr 4, 1994 |
2 km WNW of Minster, Ohio |
M2.9 |
47 km |
| May 12, 2006 |
2 km E of Lima, Ohio |
M2.8 |
90 km |
| Jun 12, 2015 |
6 km NW of Convoy, Ohio |
M2.6 |
81 km |
| Jan 30, 2004 |
2 km S of Rockford, Ohio |
M2.5 |
53 km |
| Jun 4, 1990 |
4 km SSE of Van Buren, Ohio |
M2.5 |
144 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
547 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 37 fatalities, 920 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 3, 1974 |
EF5 |
100 km |
36 |
| May 27, 2019 |
EF4 |
60 km |
0 |
| Nov 10, 2002 |
EF4 |
62 km |
4 |
| Feb 18, 1992 |
EF4 |
62 km |
0 |
| Jul 9, 1980 |
EF4 |
84 km |
2 |
| Apr 3, 1974 |
EF4 |
37 km |
1 |
| Apr 3, 1974 |
EF4 |
83 km |
0 |
| Apr 11, 1965 |
EF4 |
53 km |
4 |
| Apr 11, 1965 |
EF4 |
87 km |
13 |
| Apr 11, 1965 |
EF4 |
47 km |
3 |
| Mar 6, 1956 |
EF4 |
67 km |
1 |
| Mar 14, 2024 |
EF3 |
19 km |
1 |
| Mar 14, 2024 |
EF3 |
71 km |
3 |
| Mar 31, 2023 |
EF3 |
64 km |
0 |
| May 27, 2019 |
EF3 |
86 km |
0 |
| May 27, 2019 |
EF3 |
55 km |
0 |
| May 27, 2019 |
EF3 |
48 km |
0 |
| May 27, 2019 |
EF3 |
40 km |
1 |
| Nov 10, 2002 |
EF3 |
48 km |
0 |
| Oct 24, 2001 |
EF3 |
85 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
26°F (-4°C) |
2.0 in |
Coldest, Driest |
| February |
28°F (-2°C) |
2.0 in |
|
| March |
38°F (3°C) |
3.1 in |
|
| April |
49°F (10°C) |
3.7 in |
|
| May |
60°F (16°C) |
4.0 in |
|
| June |
69°F (21°C) |
4.0 in |
|
| July |
73°F (23°C) |
4.0 in |
Warmest, Wettest |
| August |
71°F (22°C) |
3.5 in |
|
| September |
64°F (18°C) |
2.8 in |
|
| October |
53°F (11°C) |
2.6 in |
|
| November |
41°F (5°C) |
3.0 in |
|
| December |
30°F (-1°C) |
2.8 in |
|
Saratoga has a seasonal temperature swing of 48°F / from 26°F in January to 73°F in July. Total annual precipitation is 37.6 inches, with July being the wettest month (4.0") and January the driest (2.0").
Average costs for common services in Saratoga. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$233 ($140–$373) |
| Specialist Visit |
$327 ($187–$513) |
| Urgent Care Visit |
$187 ($93–$327) |
| Emergency Room Visit |
$2,053 ($746–$4,665) |
| Dental Cleaning |
$121 ($70–$187) |
| Dental Filling |
$233 ($140–$373) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($23–$70) |
| Oil Change (Synthetic) |
$70 ($47–$112) |
| Brake Pad Replacement |
$280 ($140–$467) |
| Tire Rotation |
$37 ($19–$70) |
| New Tires (Set of 4) |
$560 ($373–$933) |
| Battery Replacement |
$187 ($93–$327) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$93 ($56–$140) |
| Electrician (Per Hour) |
$84 ($47–$131) |
| HVAC Repair |
$373 ($140–$746) |
| HVAC System Install |
$6,531 ($3,732–$11,196) |
| Roof Repair |
$933 ($373–$1,866) |
| Roof Replacement |
$8,397 ($5,132–$13,995) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,400 ($467–$3,266) |
| Divorce (Contested) |
$13,995 ($4,665–$27,990) |
| DUI Defense |
$4,665 ($1,866–$9,330) |
| Bankruptcy (Chapter 7) |
$1,400 ($746–$2,799) |
| Will Preparation |
$467 ($187–$933) |
| Trust Preparation |
$2,333 ($933–$4,665) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$42) |
| Women's Haircut |
$51 ($28–$93) |
| Hair Coloring (Full) |
$140 ($70–$233) |
| Manicure |
$23 ($14–$42) |
| Pedicure |
$37 ($23–$61) |
| Massage (1 Hour) |
$75 ($47–$121) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.83 ($2.80–$5.13) |
| Dozen Eggs (per dozen) |
$3.27 ($2.33–$4.67) |
| Loaf of Bread |
$3.55 ($2.33–$5.13) |
| Chicken Breast (per lb) |
$4.20 ($2.80–$6.06) |
| Ground Beef (per lb) |
$5.13 ($3.73–$7.00) |
| Rice (per lb) |
$0.93 ($0.56–$1.68) |
View all 20 services
Utilities
| Electricity (Monthly) |
$131 ($75–$233) |
| Natural Gas (Monthly) |
$65 ($28–$140) |
| Water/Sewer (Monthly) |
$65 ($37–$112) |
| Internet (Monthly) |
$65 ($37–$93) |
| Cell Phone Plan (Monthly) |
$61 ($28–$93) |
| Cable TV (Monthly) |
$79 ($47–$140) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$187 ($70–$467) |
| Car Insurance (Annual) |
$1,866 ($1,120–$3,266) |
| Bus Pass (Monthly) |
$65 ($28–$121) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.46–$23) |
| Car Registration (Annual) |
$93 ($28–$233) |
| Driver's License Renewal |
$28 ($14–$70) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,120 ($560–$2,333) |
| Daycare (Toddler, Monthly) |
$933 ($467–$1,866) |
| After-School Care (Monthly) |
$373 ($187–$653) |
| Tutoring (Per Hour) |
$47 ($23–$93) |
| SAT/ACT Prep Course |
$933 ($373–$2,333) |
| Private School (K-12, Annual) |
$11,663 ($4,665–$27,990) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28–$93) |
| Dog Vaccination (Annual) |
$93 ($47–$187) |
| Dog Grooming |
$56 ($28–$93) |
| Pet Boarding (Per Night) |
$37 ($19–$70) |
| Dog Spay/Neuter |
$280 ($140–$467) |
| Cat Spay/Neuter |
$187 ($93–$373) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $751 |
| Toddler | $693 |
| Preschool | $615 |
| Family Childcare (monthly) |
| Infant | $671 |
| Toddler | $660 |
| Preschool | $610 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Saratoga
What is the population of Saratoga?
Saratoga has a population of 293 residents and is located in Indiana. The population density is 1,085 people per square mile, spread across 0.3 square miles. The median age of residents is 27.4 years, which is younger than the national median of 38.9 years. The population is 47.4% female and 52.6% male.
Is Saratoga expensive to live in?
Saratoga is more affordable than the national average, with a cost of living index of 93.3 / below the baseline of 100. The median household income is $61,364, 18% below the national average of $75,149. The median home value is $60,400 (79% below the U.S. median). Renters pay a median of $684 per month, below the national average of $1,163. The home price-to-income ratio is 1x, indicating housing is reasonably affordable relative to local income levels.
Is Saratoga safe?
Saratoga is considered a very safe city with a violent crime rate of 0 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 4,763 per 100,000 (above the national average). Overall, Saratoga receives a safety grade of C+ based on combined crime data.
What is the weather like in Saratoga?
Saratoga has a four-season climate with an average annual temperature of 51°F (10°C). Winter temperatures average 26°F in January, while summers reach an average of 73°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 40.1 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Saratoga?
Saratoga has a healthy job market with an unemployment rate of 4.9%, near the national average of 3.6%. The average weekly wage is $970. There are 1,354 business establishments in the area, including 83 restaurants and food service locations. The average commute time is 16 minutes, and 0.0% of workers work from home.
How much does housing cost in Saratoga?
The median home value in Saratoga is $60,400. Zillow estimates the typical home value at $149,155. For renters, the median monthly rent is $684. Fair market rent is $882 for a 1-bedroom and $1,096 for a 2-bedroom apartment. The homeownership rate is 66.3%. The average annual property tax is $3,704.
How are the schools in Saratoga?
Schools in Saratoga score 6 out of 10 on standardized testing, near the national average. 8.7% of adults in Saratoga hold a bachelor's degree or higher, below the national average of 33.7%. 84.6% have completed high school. 8.2% hold a graduate or professional degree.
How healthy is Saratoga?
The obesity rate in Saratoga is 36.8% (above the national rate of 32.1%). 16.6% of adults are smokers. 24.4% are physically inactive. 26.7% of residents report depression. 8.5% lack health insurance. 57.4% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,150.
What is transportation like in Saratoga?
The average commute in Saratoga is 16 minutes, shorter than the national average of 28 minutes. 78.3% of workers drive alone to work, and 0.0% work from home.
What are the demographics of Saratoga?
The racial and ethnic makeup of Saratoga is 99% White. 98.9% of residents speak only English at home. 2.5% of the population are military veterans. 20.2% of residents have a disability. 82.7% have health insurance coverage.
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