Median home value: $409K (+3.5% YoY). Rent: $1,957/mo. Price-to-rent: 17.4x. Part of Albany-Schenectady-Troy, NY.
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Basic Zillow data only. For stress scores, AI analysis, and trends, Albany-Schenectady-Troy, NY metro page.
Home Value$408,595
+3.5%
Rent$1,957/mo
AFFORDABILITYRenting $738/mo cheaper ($1,957 rent)6.00% 30yr, 20% down, county tax + NY ins. 28% per HUD.
Enter your income for Ballston Spa.
$81,719 on $408,595
Out of reach — 43.1% of income
Need $115,500/yr to afford.
PITI$2,695
P/I43.1%
Afford$265K
Gap-$143K
P&I $1,960Tax $586Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing