Median home value in zip code 12020 (Ballston Spa, NY) is $415,106, up 3.9% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$415,106

YoY Change

+3.9%

Prices rising — worse for buyers.

Affordability

Enter your income for 12020 (Ballston Spa).

Income (annual)

Down Payment

$83,021 on $415,106

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

Out of reach45.5% of income

Need $121,886/yr to afford.

PITI$2,844

P/I45.5%

Afford$255K

Gap-$160K

P&I $2,099Tax $595Ins $150

6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

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

Metro Analysis

12020 is part of the Albany-Schenectady-Troy, NY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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