The median home in Ballston Spa, New York is valued at $408,595, up 3.5% year over year. Typical monthly rent is $1,957, producing a price-to-rent ratio of 17.4x — near the national average of 18x. Ballston Spa is part of the Albany-Schenectady-Troy, NY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$408,595

+3.5%

Rent$1,957/mo

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$81,719 on $408,595

Example: $75,000 household income. Change it above to see your own.

Out of reach44.8% of income

Need $120,086/yr to afford.

PITI$2,802

P/I44.8%

Afford$255K

Gap-$153K

P&I $2,066Tax $586Ins $150

Renting $845/mo cheaper ($1,957 rent)6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in New York

Compare Ballston Spa with other housing markets across New York.

Sagaponack$7.21M Water Mill$4.54M Bridgehampton$4.44M Wainscott$3.78M Sands Point$3.18M Amagansett$2.97M Old Westbury$2.85M Quogue$2.77M

Full Albany-Schenectady-Troy, NY analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Albany-Schenectady-Troy, NY metro.

View Albany-Schenectady-Troy, NY metro

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Ballston Spa, NY