Monroe County, New York home prices
Typical home $285,680 · +4.7% in a year · property tax 2.63%
The typical home in Monroe County is worth $285,680, 46% less than the New York typical home ($524,942). Values changed +4.7% in the past year and +41.5% over five years. Homeowners here pay a median 2.63% of their home's value in property tax each year ($7,508 on the typical home), versus 1.42% statewide.
Mortgage on the typical Monroe County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $57,136 | $228,544 | $1,537 | $0 | $768 | $2,306 | $98,800 |
| 10% down | $28,568 | $257,112 | $1,730 | $107 | $768 | $2,605 | $111,700 |
| 5% down | $14,284 | $271,396 | $1,826 | $113 | $768 | $2,707 | $116,000 |
| 3.5% down (FHA) | $9,999 | $280,505 | $1,887 | $126 | $768 | $2,782 | $119,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.63% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in New York · part of the Rochester metro area.
New York counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Onondaga County | $285,908 | +6.5% | 2.44% |
| Essex County | $292,915 | +6.8% | 1.47% |
| Erie County | $295,625 | +3.4% | 1.98% |
| Hamilton County | $274,369 | +2.0% | 1% |
| Madison County | $265,243 | +6.4% | 2.26% |
| Schenectady County | $312,933 | +5.2% | 2.36% |
| Niagara County | $254,624 | +4.8% | 2.19% |
| Wayne County | $253,487 | +6.1% | 2.5% |
| Washington County | $252,226 | +3.7% | 2.01% |
| Schoharie County | $252,001 | +6.2% | 2.03% |
Frequently asked questions
What is the average home price in Monroe County, NY?
The typical home value in Monroe County is $285,680 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Monroe County?
About $98,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Monroe County?
The median effective rate is 2.63% of home value a year (Census ACS 2024 5-year estimates).