Saratoga Springs 84045

Provo-Orem, UT · Utah County, UT · 17,709 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

55affordability /100

Buyer leverage is seller slight; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
27.4%
affordable
Days on market
69
daily
Price cuts
35.3%
of active
Valuation
-6.7%
vs assessor
Look up an address
68
/100
Stable
stable · seller slight · prices rising year-over-year.
Price trend
55
Affordability
85
Valuation
70
Economic health
55

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

56/ 100SellerBalancedBuyer
Balanced Market
DOM: 82d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)25
Valuation Gap (25%)40
Supply & Demand (20%)100
Buy vs Rent (15%)75
Cancellation Rate (10%)50
Days on Market (5%)75

Balanced market in 84045. List price is roughly fair — focus on condition and value. Payment burden: 27.4% of median income. Median days on market: 82. Renting is approximately 78% cheaper than buying (price-to-rent ratio: 21.4).

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
STABLESELLER SLIGHT

Market is holding steady with balanced conditions. Sellers hold a slight edge.

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Market snapshoteach number, once

Median price
$559,334
▴ 0.6% YoY
Days on market
69
daily · zip_data
Median rent
$2,180
ZORI
Investor score
47/100
cash-flow lens
Active listings
371
90-day

Valuation3 lenses, different anchors

vs assessor
-6.7%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$521,900
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+82.8%
County-wide market — the widest, slowest signal.
Utah+82.8%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$263
Price-to-income4.5×

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How 84045 ranks in UT
percentile vs all Utah ZIPs · n=240
Market velocity33%
Supply tightness30%
Affordability85%
Investment yield88%
Appreciation16%

Affordability, supply & momentum

17SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply16.7 mo
Days on Market69d
Inv vs History-11.4%
Listing Density38.5/1k
Affordability — payment burden
Monthly payment (P&I)$2,825
Payment burden27.4%
Median income · ZIP$123,870
Mortgage rate6.49% · 30yr
Total monthly own$3,385
Monthly rent$2,180
Market dynamics
Price cut %35.3%
Momentumstable
LeverageSELLER SLIGHT
Months of supply16.7
Sales (90d)0
Investment analysis
Median rent$2,180
Price-to-rent21.4
Est. cap rate3.0%
Buy vs rentfavors renting

Livability

Walk score2
Transit score2
Bike score—

Historical trends

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Utah County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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Nearby ZIP codes

84005
Eagle Mountain
$512,683
+0.4%
Salt Lake City Metro·Overpriced ZIPs·Investor ZIPs·View on Map·Utah County