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.

Home Value$243,840

+3.2%

Prices rising — worse for buyers.

Affordability

Enter your income for Scotia.

Income (annual)

Down Payment

$48,768 on $243,840

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

Affordable27.7% of income

Under the 28% guideline.

PITI$1,732

P/I27.7%

Afford$246K

Room+$3K

P&I $1,233Tax $350Ins $150

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 Scotia 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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Scotia, NY