Monthly Budget in Saratoga Springs for a Single Adult
What it costs one working adult, no dependents to live in Saratoga Springs, NY in 2026.
$2,283
Total Monthly
$5,073
Salary Needed
112
Cost Index
Complete Monthly Budget
| Category | Expense | Monthly Cost |
|---|---|---|
| Essential | Rent (1BR apartment) | $1,344 |
| Essential | Groceries & household supplies | $34 |
| Essential | Utilities (electric, gas, water) | $21 |
| Essential | Transportation (gas, transit, maintenance) | $36 |
| Essential | Car insurance | $174 |
| Essential | Health insurance (individual) | $57 |
| Lifestyle | Internet & streaming | $84 |
| Lifestyle | Phone plan (1 line) | $85 |
| Lifestyle | Dining out & takeout | $280 |
| Lifestyle | Entertainment & recreation | $168 |
| Essentials Subtotal | $1,666 | |
| Lifestyle Subtotal | $617 | |
| Total Monthly Budget | $2,283 |
💡 Salary Needed: To live in Saratoga Springs as a one working adult, no dependents with a 20% savings margin, you need approximately $5,073/year before taxes.Check affordability →