What is the cost of living in Ballston Spa, NY?
According to the most recent data on the cost of living, Ballston Spa has an overall cost of living index of 115, which is 1.1x higher than the national index of 100.
Compared to New York, Ballston Spa has a cost of living index that's 1.0x lower than New York's index of 121.
The standard of living in Ballston Spa ranks as #103 most affordable out of the 336 places we measured in New York. By definition, that implies Ballston Spa ranks as the #233 most expensive place in the Empire State.
For more reading on life in Ballston Spa, check out:
Ballston Spa Cost Of Living Vs. New York
Six factors go into calculating the cost of living index in Ballston Spa. Here is how it fares on each of the criteria:
The Services index in Ballston Spa is 105.
The Groceries index in Ballston Spa is 110.
The Health index in Ballston Spa is 118.
The Housing index in Ballston Spa is 112.
The Transportation index in Ballston Spa is 109.
The Utilities index in Ballston Spa is 113.
| Living Expense | Ballston Spa | New York | National Average |
|---|---|---|---|
| Overall | 115 | 121 | 100 |
| Services | 105 | 105 | 100 |
| Groceries | 110 | 108 | 100 |
| Health | 118 | 143 | 100 |
| Housing | 112 | 112 | 100 |
| Transportation | 109 | 114 | 100 |
| Utilities | 113 | 111 | 100 |
Ballston Spa Cost Of Living Compared To New York Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around New York, check out:
Protect your home budget Compare home warranties in Ballston Spa Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Ballston Spa, NY Housing Cost Breakdown
Housing swings affordability the most between places in New York, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Ballston Spa is $422,526.
The Median Rent in Ballston Spa is $1,122.
The Median Income in Ballston Spa is $101,667.
The Home Value To Income in Ballston Spa is 4.2x.
The Rent To Monthly Income in Ballston Spa is 0.13x.
| Statistic | Ballston Spa | New York | United States |
|---|---|---|---|
| Median Home Value | $422,526 | $507,794 | $332,700 |
| Median Rent | $1,122 | $1,621 | $1,413 |
| Median Income | $101,667 | $85,974 | $80,734 |
| Home Value To Income | 4.2x | 5.9x | 4.1x |
| Rent To Monthly Income | 0.13x | 0.23x | 0.21x |
Ballston Spa, NY Costs By Category
Detailed Ballston Spa Services costs vs. New York
| Item | Ballston Spa | New York |
|---|---|---|
| Shampoo | $1.28 | $1.28 |
| Movie | $13.08 | $12.13 |
| Bowling | $15.96 | $18 |
| Haircut | $28.28 | $24.26 |
| Beauty Salon | $51.36 | $45.56 |
Detailed Ballston Spa Groceries costs vs. New York
| Item | Ballston Spa | New York |
|---|---|---|
| Ground Beef | $6.06 | $5.84 |
| Fried Chicken | $1.6 | $1.57 |
| Milk | $4.85 | $4.67 |
| Potatoes | $5.09 | $4.93 |
| Pizza | $14.69 | $12.09 |
| Beer | $10.9 | $10.41 |
| Toothpaste | $3.74 | $3.7 |
Detailed Ballston Spa Health costs vs. New York
| Item | Ballston Spa | New York |
|---|---|---|
| Optometrist | $132.47 | $125.68 |
| Doctor | $111.33 | $135.78 |
| Dentist | $111.69 | $113.29 |
Detailed Ballston Spa Transportation costs vs. New York
| Item | Ballston Spa | New York |
|---|---|---|
| Gasoline | $3.55 | $3.46 |
| Tire Balancing | $50.33 | $59.92 |
Detailed Ballston Spa Utilities costs vs. New York
| Item | Ballston Spa | New York |
|---|---|---|
| All Electricity | $196.7 | $193.99 |
| Phone | $195.71 | $192.25 |
Ballston Spa SnackAbility
Cost Of Living In Cities Around Ballston Spa
The cost of living varies in the cities and towns around Ballston Spa. Here's a quick look at the cost of living in the most populous nearby places:
Schenectady, NY has a cost of living index of 97, 0.8x Ballston Spa.
Saratoga Springs, NY has a cost of living index of 135, 1.2x Ballston Spa.
Rotterdam, NY has a cost of living index of 103, 0.9x Ballston Spa.
| City | Population | Cost Of Living | Vs. Ballston Spa |
|---|---|---|---|
| Schenectady, NY | 68,847 | 97 | 0.8x |
| Saratoga Springs, NY | 28,631 | 135 | 1.2x |
| Rotterdam, NY | 22,695 | 103 | 0.9x |
| Niskayuna, NY | 21,227 | 124 | 1.1x |
| Cohoes, NY | 18,159 | 104 | 0.9x |
| East Glenville, NY | 11,914 | 114 | 1.0x |
| Colonie, NY | 7,702 | 118 | 1.0x |
| Scotia, NY | 7,264 | 103 | 0.9x |
| Milton, PA | 6,534 | 91 | 0.8x |
| Country Knolls, NY | 5,445 | 128 | 1.1x |
