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ZIP Code · NY

ZIP 12020

Pop. 34,937·Saratoga County·231st most expensive ZIP in New York
Median rent (all units)
$2,013/mo
Year-over-Year
+8.1%
Month-over-Month
+2.2%
vs US Median
+$48
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 12020 · $2,013
More expensive than 61% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$1,510
1 BR
$1,760
2 BR
$2,110
3 BR
$2,530
4 BR+
$2,790
Research median
$2,110/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: July 20, 2026

Annual cost
$24,156/yr
At $2,013/mo median
Location
StateNY
CountySaratoga County
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 8.1% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+8.1% YoY, +2.2% MoM), not inventory.
Demographics

Who lives here

ZIP 12020 (Ballston Spa, NY) is majority owner-occupied, has a median income above the national average, 44.6% of residents hold a bachelor's degree or higher.

Population
34,937
Median income
$107,112
Median age
42.2
Renters
29.8%
Age distribution
20.1%
20.1%
26.9%
14.5%
18.4%
Under 1820.1%
18–3420.1%
35–5426.9%
55–6414.5%
65+18.4%
Gender
50.2%
49.8%
Male50.2%
Female49.8%
Race & ethnicity
88.8%
White88.8%
Black2.1%
Hispanic3.4%
Asian2.1%
Other3.6%
Education (25+)
22.3%
27%
44.6%
No HS diploma6.1%
HS diploma22.3%
Some college27%
Bachelor's+44.6%
Housing tenure
70.2%
29.8%
Owner70.2%
Renter29.8%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 12020 in Ballston Spa, NY has changed in 5 years

Income
$92,344 → $107,112
up 16.0%
Population
33,896 → 34,937
up 3.1%
Renter share
26.4% → 29.8%
+3.4 pts
Bachelor's+
40.6% → 44.6%
+4.0 pts
Median age
43 → 42.2
-0.8 yrs

Household income in the area moved from $92,344 to $107,112 across the same window, up 16.0% versus 2021. Headcount in the area went from 33,896 to 34,937 between 2021 and 2024, a 3.1% change. About 29.8% of households rent today, against 26.4% in 2021. Educational attainment has shifted as well, with the share of adults holding a bachelor's degree or higher climbed from 40.6% to 44.6%.

Community

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Local insights

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About renting in ZIP 12020

Last updated: July 20, 2026

ZIP code 12020 covers Ballston Spa, NY. The median rent here is $2,013/mo as of July 2026. A 1-bedroom rents for a median of $1,760/mo. A 2-bedroom rents for a median of $2,110/mo.

At 23% of local median household income ($107,112/yr), ZIP 12020 ranks as affordable compared to the national benchmark of 30%. Rents have increased 8.1% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 12020?

As of July 20, 2026, the median monthly rent in ZIP 12020 (Ballston Spa, NY) is $2,013. This is based on aggregated data from public sources and community submissions.

How does ZIP 12020 rent compare to the US average?

ZIP 12020's median rent of $2,013/mo is $48 (2%) above the US national median of $1,965/mo.

How does ZIP 12020 compare to other ZIPs in New York?

ZIP 12020 is among the more affordable ZIP codes in New York, ranking #231 out of 344 ZIPs at $2,013/mo.

How much income do you need to rent in ZIP 12020?

To keep rent at or below 30% of gross income, you would need to earn at least $81,000/year (~$39/hour full-time) to afford the median rent of $2,013/mo in ZIP 12020. The local median household income is $107,112/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 12020?

Rent in ZIP 12020 has increased 8.1% over the past year as of July 20, 2026, putting upward pressure on renter budgets.

Is ZIP 12020 an affordable place to rent?

ZIP 12020 is considered very affordable for renters. At $2,013/mo, rent takes approximately 23% of the local median household income ($107,112/yr). The standard benchmark is 30%. ZIP 12020 falls comfortably within that range.

What percentage of ZIP 12020 residents rent vs. own?

According to Census data, approximately 29.8% of ZIP 12020 households are renters, while 70.2% are owner-occupied. ZIP 12020 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 12020 compare to the rest of Ballston Spa?

ZIP 12020 is pricier than Ballston Spa as a whole. At $2,013/mo, it's $3 above the Ballston Spa citywide median of $2,010/mo.

When was rent data for ZIP 12020 last updated?

Rent data for ZIP 12020 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
23%
VERY AFFORDABLE

At $2,013/mo, rent takes ~23% of ZIP 12020's median household income ($107,112/yr). The standard benchmark is 30%.

ZIP 12020 23%Benchmark 30%
State income tax4–10.9%
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Schools nearby

Public schools near ZIP 12020 (Ballston Spa, NY)

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