CitytisticsShortlist

Cost of living, pay and housing

43.02° N · 73.85° W · GEOID 3651467

North Ballston Spa

Saratoga County, New York · part of the Albany, NY metro

Limited data population under 5,000

New YorkNorth Ballston Spa, NYNorth Ballston SpaNorth Ballston Spa

The short answer

North Ballston Spa is home to 1,299 people. Median household income is $91,140 a year and median rent is $1,641 a month, 21.6% of income (a ratio of two medians, not any one household's burden). Rent pressure is lighter than in most places. The median home is valued at $239,200, about 2.6x annual median household income.

Median gross rent
$1,641
20% above the median place
Median household income
$91,140
14% above the median place
Median home value
$239,200
25% below the median place
Unemployment
3.3%
33% below the median place

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

What stands out about North Ballston Spa

  • Owning with a mortgage costs about $203 a month less than the median rent, which is rarer than in 97% of the 2,469 places under 10,000 people we track.
  • Between the 2019 and 2024 surveys, rent rose 14.3% a year while household income rose 8.2%, so rent outran pay by more than in 92% of places its size.
  • 89% of homes are owner-occupied, more than in 88% of places its size.
  • Households average 2.15 people, smaller than in 84% of places its size.
  • The median resident is 45.6 years old, older than in 81% of places its size.
01

Moving to North Ballston Spa

Saratoga County gains about 1.9 residents per 1,000 a year to moves between counties.

Moved in10,579
Moved out10,191
Net+388

Where people come from and where they go, top counties

Within New York, other states or abroad

Arrivals
Leavers
Within New YorkOther statesAbroad

Income per tax return

Arrivals$88K
Leavers$79K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of Saratoga County; flows under 20 returns are not published.

Who moves here
5.5% of residents arrived from another county in the past year, 0.0% from another state. County figure.
Who arrives and who leaves
Households moving into Saratoga County report $88,200 a year in income on average; those leaving, $78,900, so newcomers earn more than leavers.
Income you would need
$65,600 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $1,641 a month; owners with a mortgage pay $1,438 a month including taxes and insurance, on a median home of $239,200.
Getting to work
26 minutes each way on average; 17.3% work from home.
If it is close but not quite
Highland, IN matches it on character. Compare the two
Moved from another state1
0.0%
below the median place (median 2.0%)
Income of households moving in7
$88,230
25% above the median place
Income of households moving out7
$78,946
12% above the median place
All 5 moving measures
MeasureNorth Ballston SpaAmong 6,645 placesVs median
Moved here in the past year1County figure5.5%4% below
Moved from another state10.0%below (median 2.0%)
Net movers per 1,000 people7County figure1.9above (median -0.6)
Income of households moving in7County figure$88,23025% above
Income of households moving out7County figure$78,94612% above
02

What it costs to live here

Homeownership is 88.5%, 33% above the median place.

North Ballston Spa21.6%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$65,640
a year, at the 30% line
Rent to income
21.6%
6% above the median place
Home price to income
2.6x
31% below the median place

Could you afford it?

The median rent would take
22%
comfortably under the 30% line
Left after rent, in US prices
$72,100
a year
Vs the typical household here
Same
as the median household

Uses the median rent in North Ballston Spa, $1,641 a month, and local prices for everything else (99.0 against a US average of 100). It runs in your browser and stores nothing.

Moving from somewhere else? Work out the salary you would need in North Ballston Spa.

Sponsored · exampleMoving to North Ballston Spa? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Homeownership1
88.5%
33% above the median place
Median year built1
1964
1% below the median place
Owner costs with a mortgage1
$1,438
23% below the median place
All 16 cost and housing measures
MeasureNorth Ballston SpaAmong 6,645 placesVs median
Median gross rent1$1,64120% above
Rent to income121.6%6% above
Property tax rate11.2%34% above
Home price to income12.6x31% below
Prices vs US average2Metro figure99.61% below
Fair market rent, 2 bedrooms3County figure$1,7116% above
HUD area median income4County figure$123,10015% above
Property tax paid (median)1$2,91511% below
Median home value1$239,20025% below
Home prices, 1-year change5County figure6.7%111% above
Home prices, 5-year change5County figure52.1%1% above
Homeownership188.5%33% above
Renters paying 30%+1County figure41.1%19% below
Owner costs with a mortgage1$1,43823% below
Vacant homes1County figure9.1%29% above
Median year built119641% below
03

Work and pay

Commutes by transit is 0.0%, below the median place (median 0.8%).

Commutes by transit1
0.0%
below the median place (median 0.8%)
Income per person1
$53,339
33% above the median place
Median household income1
$91,140
14% above the median place
All 10 work and pay measures
MeasureNorth Ballston SpaAmong 6,645 placesVs median
Median household income1$91,14014% above
Income per person1$53,33933% above
Unemployment1County figure3.3%33% below
Average annual pay6County figure$69,2445% above
Pay growth, 1 year6County figure2.3%38% below
Jobs6County figure93,94538% below
Poverty rate1County figure7.1%34% below
Mean commute1County figure26 min2% above
Works from home1County figure17.3%39% above
Commutes by transit10.0%below (median 0.8%)
04

Who lives here

Homes with broadband is 72.9%, 21% below the median place.

Homes with broadband1
72.9%
21% below the median place
Household size1
2.1
14% below the median place
Median age1
45.6
17% above the median place
All 8 people measures
MeasureNorth Ballston SpaAmong 6,645 placesVs median
Population11,2996646th largest
Median age145.617% above
Bachelor's or higher134.4%7% above
High school or higher192.5%0% above
Household size12.114% below
Born abroad1County figure5.5%38% below
No health insurance1County figure2.6%59% below
Homes with broadband172.9%21% below
05

Life in North Ballston Spa

84 sites are on the National Register of Historic Places, 9 of them National Historic Landmarks.

Out the door, against the typical place

Parks per 10k residents0.0 −100%
Playgrounds per 10k0.0 −100%
Grocery stores per 10k0.0 −100%
Restaurants, cafes and bars per 10k15.4 +38%
Libraries per 10k0.0 −100%
Named paths and bike trails0 km −100%
Bus and rail stops per sq mi0.0 −100%

Mapped by volunteers in OpenStreetMap inside the city limits (Census boundaries), so coverage is fuller in some places than others. Map data © OpenStreetMap contributors, ODbL.

Businesses per 10,000 residents (county figures)

Restaurants and bars21.9 +5%
Shops28.8 −5%
Arts, recreation and fitness6.4 +56%
Doctors' offices and clinics17.7 −12%
Child care centers3.4 +48%

Counts businesses with paid staff, so small owner-run shops are not included.

Students per teacher11
12.2
21% below the median place
Child care centers per 10k8
3.4
48% above the median place
Arts, recreation and fitness per 10k8
6.4
56% above the median place
All 16 schools and local life measures
MeasureNorth Ballston SpaAmong 6,645 placesVs median
Public schools11County figure50above (median 9)
Public school students11County figure30,097above (median 4,897)
Students per teacher11County figure12.221% below
Restaurants and bars per 10k8County figure21.95% above
Shops per 10k8County figure28.85% below
Arts, recreation and fitness per 10k8County figure6.456% above
Doctors' offices and clinics per 10k8County figure17.712% below
Child care centers per 10k8County figure3.448% above
Parks per 10k90.0below (median 10.2)
Playgrounds per 10k90.0below (median 9.4)
Grocery stores per 10k90.0below (median 2.1)
Restaurants, cafes and bars per 10k915.438% above
Libraries per 10k90.0below (median 0.9)
Named paths and bike trails90.0below (median 2.0)
Transit stops per sq mi90.0below (median 0.2)
National Register listings10County figure84above (median 13)
06

Safety, weather and risk

Good air days is 96.3%, 41% above the median place.

No crime figure yet. Either the city police department did not report to the FBI for the latest year, or our monthly fetch has not reached North Ballston Spa. Larger places are fetched first.

Good air days14
96.3%
41% above the median place
Median air quality index14
34
21% below the median place
January average low12
12°F
52% below the median place
All 11 weather and risk measures
MeasureNorth Ballston SpaAmong 6,645 placesVs median
July average high12County figure81°F7% below
January average low12County figure12°F52% below
Average temperature12County figure46°F15% below
Annual precipitation12County figure44.9 in3% above
Natural hazard risk13County figure73.021% below
Hurricane risk13County figure77.710% above
Tornado risk13County figure69.914% below
Wildfire risk13County figure37.439% below
Heat wave risk13County figure59.534% below
Median air quality index14County figure3421% below
Good air days14County figure96.3%41% above
08

North Ballston Spa in 2030: where the trends point

If recent trends hold, the median rent will take about 23% of the median income in 2030, up from 22% now.

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$1,641/mo (2024)$2,200/mo$1,810 to $2,680/mo+5.0%
Median household income$91,140 (2024)$117,000$99,000 to $138,500+4.2%
Median home value$239,200 (2024)$334,000$243,000 to $460,000+5.7%

The median home would be worth 2.9 years of the median income in 2030, against 2.6 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like North Ballston Spa

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
Highland, IN$1,695$98,002Compare
Palmyra, NJ$1,696$89,574Compare
Oakbrook, KY$1,665$94,652Compare
Matteson, IL$1,580$95,457Compare
Matteson, ILOakbrook, KYPalmyra, NJHighland, INNorth Ballston Spa, NYNorth Ballston SpaHighlandPalmyraOakbrookMattesonNorth Ballston SpaHighlandPalmyraOakbrookMatteson

Common questions

Is North Ballston Spa a good place to live?

It depends on what you need, so here is what the numbers say. Owning with a mortgage costs about $203 a month less than the median rent, which is rarer than in 97% of the 2,469 places under 10,000 people we track. Between the 2019 and 2024 surveys, rent rose 14.3% a year while household income rose 8.2%, so rent outran pay by more than in 92% of places its size. See how it ranks with your own weights.

Is North Ballston Spa expensive to live in?

The median rent takes 21.6% of the median household income, against 20.4% in the typical place we track. Housing is a heavier load here than usual. The median home is valued at $239,200.

What salary do you need to live in North Ballston Spa?

To rent the median home without spending more than 30% of income on rent, a household needs about $65,640 a year. Work it out from your current city.

What places are similar to North Ballston Spa?

On income, rent, home value, education and age, the closest matches are Highland, IN, Palmyra, NJ, Oakbrook, KY and Matteson, IL.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Regional Price Parities · US Bureau of Economic Analysis · Latest release, retrieved 2026-11-14
  3. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  4. Income Limits · US Department of Housing and Urban Development · Fiscal year 2026
  5. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  6. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  7. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  8. County Business Patterns · US Census Bureau · 2023 data
  9. OpenStreetMap · © OpenStreetMap contributors, available under the Open Database License (ODbL) · Map data as of 2026-11
  10. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  11. Common Core of Data · National Center for Education Statistics · 2024 release
  12. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  13. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  14. Air Quality System, annual AQI by county · US Environmental Protection Agency · 2025 dataAirData download files

Derived by Citytistics from the tables above: rent to income (B25064, B19013); property tax rate (B25103, B25077); home price to income (B25077, B19013).

What stands out compares North Ballston Spa with places of a similar size, using only figures measured for North Ballston Spa itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/north-ballston-spa-new-york

Citytistics. “North Ballston Spa, New York.” Data as of 2026-11-14. https://www.citytistics.com/city/north-ballston-spa-new-york/

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.