Cost of Living in Ballston Spa, NY

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C-
14%
Overall NAT. AVG.
4%
Groceries NAT. AVG.
20%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Ballston Spa New York National
Cost of living114121100
Groceries104106100
Health care111110100
Housing120144100
Transportation111113100
Utilities111112100
Lifestyle & Entertainment115111100
Household Items109106100
Education & Childcare124118100
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Homes For Sale In Ballston Spa, NY

property for sale

2629 State Route 9

Ballston Spa, NY
property for sale

328 Milton Ave

Ballston Spa, NY
property for sale

62 Chapman St

Ballston Spa, NY
property for sale

108 Middle St

Ballston Spa, NY

Cost Of Living Quick Facts

  • The cost of living in Ballston Spa is 6% lower than the New York average
  • The cost of living in Ballston Spa is 14% higher than the national average
  • Ballston Spa housing is 20% higher than the national average
  • New York general sales tax is 22% lower than the national average
  • New York state income tax is 54% higher than the national average

Most Affordable Places to Live in and Around Ballston Spa

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      Salary Calculator

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      Utilities index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$128,886$10,741$3,007$3,867
      Renters$70,425$5,869$1,643$2,113
      The affordability of the housing market in Ballston Spa, NY as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Ballston Spa homeowners, the median income is $128,886. This indicates that a monthly maximum of $3,007 should be spent by homeowners on all housing related costs. Renters have a median income of $70,425. This indicates that renters would have a maximum of $1,643 for their rent related monthly costs.

      New York Sales Tax

      State General Sales Tax With Max Surtax
      New York 4% 8.875%

      New York Income Tax

      State Income Tax (Low) Income Tax (High)
      New York 4% 10.9%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Schenectady, NY66,726990.7%
      Scotia, NY7,8981033.1%
      Waterford, NY2,2221021.8%
      Mechanicville, NY5,1891021.8%
      Victory, NY7351021.9%
      Ballston Spa, NY5,79611413.7%

      Cities with similar population

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      Wake Village, TX5,795928.4%
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      Houghton Lake, MI5,7988712.7%
      Media, PA5,79812020.0%
      Smithers, BC5,791n/a 
      Ballston Spa, NY5,79611413.7%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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