The median home in Scotia, New York is valued at $243,840, up 3.2% year over year. Scotia is part of the Albany-Schenectady-Troy, NY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
See the full metro analysis: Albany-Schenectady-Troy, NY stress score, crash risk, and 12-month forecast →
Home Value$243,840
+3.2%
AFFORDABILITY6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.
Enter your income for Scotia.
$48,768 on $243,840
Affordable — 27.7% of income
Under the 28% guideline.
PITI$1,732
P/I27.7%
Afford$246K
Room+$3K
P&I $1,233Tax $350Ins $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 →