What income do you need to buy a house in Ballston Spa, NY?
It takes about $125,000/yr to afford the typical Ballston Spa, NY home ($440K, +5.5% past year) at today's rates. Starter homes run around $325K. See if you can afford a house in Ballston Spa (2026 data) — free, no signup.
Market snapshot (2026-07)
- Income needed to buy the typical home: about $125,000/yr (28% front-end ratio, 20% down, 6.76% 30-yr fixed, NY property tax and insurance)
- Typical home value: $440K (Zillow ZHVI, 2026-07)
- 1-year change: +5.5%
- Bottom 35% of homes: $325K
- Top 35% of homes start around: $613K
- Typical rent: $2,001/mo
- Median household income: $102K
- Price-to-income ratio: 4.3
- Estimated payment on the typical home: $2,285/mo principal & interest (20% down, 6.76% 30-yr fixed)
Nearby housing markets
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Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.
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