What are Saratoga Springs homes worth in 2026?
Zillow put the typical Saratoga Springs home at $552,914 at the end of August 2026, up 0.4% in a year. That figure mixes 2024 condos on Mt. Saratoga with houses on 0.36 acre lots in Lake Mountain Estates.
May 2026 MLS data pulls the two apart. Houses closed at a $645,800 median across 99 sales, from $349,000 to $1.7 million, and took a median 38 days. Townhomes closed at $440,000 and took 64 (Ashby Realtor, Utah County update). A Saratoga Springs appraisal matches product type first.
Townhomes took 64 days to sell in May 2026 and houses 38: separate markets, so townhomes get townhome comps.
How does Saratoga Springs housing divide up?
Almost all of it is post 2000 subdivision ground: every plat in county records with 20 or more homes has an average build year of 1999 or later. The differences that matter are product type, lot size, build year and whether the lot sees the lake.
Harvest Hills
The largest subdivision in county records: 988 homes, mostly early 2000s, on 0.20 acre lots averaging about 1,660 square feet. A local brokerage places it near the Utah Lake shore, with houses, townhomes and condos and lake views claimed for many homes. Weston confirms the view from each lot.
Mt. Saratoga
The ridgeline plats: Quailhill, The Ridge, Ridgehorne and the Highridge condos. County records count about 990 homes and condos built 2018 to 2024, and nearly 200 more lots were approved in late 2024 and early 2025. The area is marketed on Utah Lake and valley views; sales decide what a view is worth.
Wildflower
A 1,200 acre master planned community along 2100 North near Redwood Road, built by Lennar, Toll Brothers and EDGEhomes. County records show about 660 homes from 2018 to 2024, including 0.09 acre lots at Wildflower Village. One builder line sells on lake views, so view and non view sales get sorted first.
Wander
Oakwood Homes' 350 acre community on Utah Lake's north shore, about five miles west of I-15, with Lennar and Richmond American also building toward more than 1,600 homes. County records show 517 built 2019 to 2024 on 0.11 acre lots. A resale here competes with new homes a few streets over.
Fox Hollow
The Village of Fox Hollow is recorded as ten separate plats and neighborhoods, Preserve 11-2 among them. Together they hold about 770 homes built 2005 to 2024 on lots from 0.11 to 0.23 acre. A 2006 house and a 2021 house can share the name, so Weston matches plat and build year first.
Legacy Farms
419 homes in county records, built 2016 to 2022 on 0.16 acre lots. The name also covers The Villas at Legacy Farms, 116 attached homes by Leisure Villas for buyers 55 and older, where an HOA handles yard work and exterior repairs. Age restricted sales form their own comp pool.
Every other Saratoga Springs subdivision in county records
- Jacobs Ranch: About 520 homes from 2001 on, lots near 0.28 acre; the Jacobs Ranch S plat added homes through 2024.
- Lake Mountain Estates: Roomier ground, 0.36 acre on average, under 462 homes whose build years run from 1985 to 2024.
- The Benches: 387 homes from 2005 to 2025 on quarter acre lots, about 2,150 square feet in county records.
- Sunrise Meadows: Early 2000s construction: 320 homes, 0.24 acre lots and smaller plans near 1,730 square feet.
- Northshore: Parcels average 0.06 acre across 297 units built 2020 to 2024, so attached sales are the comps.
- Stillwater: 287 homes averaging a 2012 build year, with 0.25 acre lots and about 2,280 square feet.
- Saratoga Hills: Build years spread from 2000 to 2024 across 259 homes, so age adjustments come up often.
- Loch Lomond: One of the older plats (average 2002), with 236 homes on compact 0.12 acre lots.
- Talus Ridge: 218 homes from 2015 to 2021 with about 2,340 square feet on quarter acre lots.
- Lakeside: A 2016 to 2021 plat of 211 homes; the name aside, lake views are confirmed house by house.
- Summerhill: 198 homes on 0.24 acre lots, mostly from around 2010.
- Sierra Estates: Phase 3 lots were still being delivered in 2025; the 197 homes so far average a 2014 build year.
- Mallard Bay: Bigger floor plans, near 2,590 square feet, on 0.25 acre lots across 181 homes from 2016 on.
- Village of Hawks: Three plats (Hawks Landing, Hawks Ranch, Hawks Estates) with about 310 homes built 2006 to 2024.
- Aspen Hills: 149 homes averaging 2011, on 0.23 acre lots.
- Catalina Bay: 127 homes built 2018 to 2024 on 0.27 acre lots; water in a plat name is checked, never assumed.
- Harbor Bay: Lots near 0.29 acre and homes near 2,470 square feet; 126 parcels with builds from 1999 to 2023.
- Beacon Pointe: Includes Founders at Beacon Pointe: about 140 homes since 2020, the Founders plat averaging 2,840 square feet.
- Saratoga Springs plats 1 to 15: Numbered plats carrying the city's name: about 730 homes, mostly late 1990s and 2000s, on 0.23 to 0.56 acre.
- Perelle Meadows: 112 homes, all 2020 to 2022, on 0.22 acre lots.
- Dalmore Meadows: Built mostly in the late 2000s: 110 homes, 0.16 acre lots, about 1,770 square feet.
- Jordan Promenade: Small 0.10 acre lots under 102 homes from 2019 to 2022.
- Heron Hills: 100 homes since 2016 on 0.24 acre lots, close to 2,500 square feet each.
- Lexington Green: 98 homes from 2020 to 2022 on 0.11 acre lots.
- Pelican Bay: An early plat, average 2006, of 98 homes on lots about a third of an acre.
- Lake View Terrace: 73 homes on 0.18 acre lots built 2001 to 2022; what each lot actually sees varies.
- Sunset Haven: 71 homes, one 1979 parcel among mostly 2000s builds, smaller at about 1,580 square feet.
- Arcadia Springs: Two build years only, 2022 and 2023: 63 homes near 2,700 square feet.
- River Heights: 53 homes on 0.13 acre lots, built 2014 to 2025.
- Brixton Park: Recorded as built in 2024: 49 homes near 2,800 square feet on 0.23 acre lots.
- Western Hills: 47 homes, most since 2020, on 0.26 acre lots.
- Landrock Estates: 42 homes from 2013 to 2021 on lots averaging 0.38 acre, so land weighs more here.
- Ironwood at Saratoga: Larger homes, about 2,830 square feet, on 40 lots built 2015 to 2018.
- Canton Ridge East: New and big: 39 homes from 2023 and 2024, about 3,080 square feet.
- Hillside Ridge: 35 homes from 2014 to 2018 on quarter acre lots.
- Mountain View Estates: 31 homes built 2014 to 2018, 0.25 acre lots, roughly 2,230 square feet.
- Parkside Estates: A 2014 to 2020 plat of 26 homes on 0.31 acre lots.
- Wiltshire Estates: Large lots (0.41 acre) and large houses (3,260 square feet) across 26 parcels built since 2016.
- Alpine Springs: 22 homes from 2023 and 2024 on 0.25 acre lots, a Saratoga Springs plat despite the name.
- Saratoga Parkside: Twenty homes from 2007 to 2018 on lots near a quarter acre.
- Starhaven Villas: 19 units on 0.06 acre parcels, built 2020 to 2024, which points to attached product.
- Willow Glen: Every one of its 19 homes was built in 2020, on 0.25 acre lots.
What drives Saratoga Springs home values?
After product type come build year and lot. A 2004 house in Harvest Hills and a 2024 house on Mt. Saratoga are a generation apart in plan and finish. Builders were still selling new homes in Wander, Wildflower and Sierra Estates into 2026, so many resales compete directly with new construction.
The city sits on the northwest shore of Utah Lake, and builders market several plats on lake views. A brochure is not a sale. Weston confirms what the lot actually sees or borders, then checks whether nearby sales show buyers paying more for it before making any adjustment.
Alpine School District serves Saratoga Springs today, including Westlake High. On July 1, 2027, the city and Eagle Mountain move to the new Lake Mountain School District (Daily Herald).
Which appraisals does Weston do in Saratoga Springs?
Weston handles purchase, refinance, FHA, estate and date of death, divorce and settlement, tax appeal, PMI removal and pre listing appraisals here (see services). As an FHA approved appraiser, Weston also checks the home against HUD's minimum property standards for safety and soundness. Reports are UAD 3.6 ready. Weston delivered 100 percent on time in 2025 and is averaging under five days in 2026: about a week from order to delivered report, and usually less.
Saratoga Springs appraisal questions
What is my house worth in Saratoga Springs?
Zillow's typical value was $552,914 at the end of August 2026, but house sales in May 2026 ran from $349,000 to $1.7 million. Product type, lot, build year and view decide where yours lands. An appraisal tests it against closed sales nearby.
What is the FHA loan limit for a Saratoga Springs home?
For 2026, FHA lends up to $601,450 on a single family home in Utah County (Homebuyer.com). The May 2026 house median of $645,800 sits above it; the $440,000 townhome median sits well below. Weston is approved to appraise for FHA loans.
Do I need an appraisal to refinance in Saratoga Springs?
Usually. Most lenders order one to confirm value before approving a refinance, though some loans get a waiver. A higher value can also decide whether the new loan needs mortgage insurance.
How do I remove PMI from my Saratoga Springs mortgage?
Ask the servicer in writing once the balance is scheduled to reach 80% of the original value; it must end on its own at 78% if payments are current (CFPB). The servicer can ask for proof, such as an appraisal, that the value has not dropped.