Rochester, NY home prices
Typical home $281,279 · +4.9% in a year · income needed $97,300
The Rochester, NY metro area ranks 362 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +4.9% in a year and +40.4% over five years. With 20% down at 7.11%, the typical home costs about $2,270 a month including 2.63% property tax (Monroe County rate).
Mortgage on the typical Rochester home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $56,256 | $225,023 | $1,514 | $0 | $757 | $2,270 | $97,300 |
| 10% down | $28,128 | $253,151 | $1,703 | $105 | $757 | $2,565 | $109,900 |
| 5% down | $14,064 | $267,215 | $1,798 | $111 | $757 | $2,666 | $114,200 |
| 3.5% down (FHA) | $9,845 | $276,185 | $1,858 | $124 | $757 | $2,739 | $117,400 |
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.
Counties in the Rochester area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Monroe County, NY | $285,680 | +4.7% | 2.63% |
| Ontario County, NY | $323,653 | +5.8% | 2.05% |
| Wayne County, NY | $253,487 | +6.1% | 2.5% |
| Livingston County, NY | $247,627 | +4.0% | 2.45% |
| Orleans County, NY | $207,563 | +8.1% | 2.72% |
| Yates County, NY | $325,604 | +5.1% | 1.88% |
What can you afford in New York on your salary? · New York home prices · Salaries in New York
Frequently asked questions
How much is a house in Rochester?
The typical home in the Rochester, NY metro area is worth $281,279 (Zillow, September 2026).
What salary do you need to buy a house in Rochester?
About $97,300 a year for the typical home with 20% down at 7.11%.