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.
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Home Value$408,595
+3.5%
Rent$1,957/mo
AFFORDABILITYRenting $845/mo cheaper ($1,957 rent)6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.
Enter your income for Ballston Spa.
$81,719 on $408,595
Out of reach — 44.8% of income
Need $120,086/yr to afford.
PITI$2,802
P/I44.8%
Afford$255K
Gap-$153K
P&I $2,066Tax $586Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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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 →