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📍 Rochester, NY · Zillow ZHVI · July 2026

Average Home Price in
Rochester, NY

Rochester, NY metro area · Monroe County County

Median Home Value
$252,192
↑ 4.3% year-over-year
vs. National Median
$410,000
Rochester is 38% below
Est. Monthly Payment
$1,315/mo
20% down · 6.8% rate
Income Needed
$67K
gross annual (30% rule)
Median Home Value
$252,192
↑ 4.3% year-over-year
Down Payment (20%)$50,438
Monthly P&I$1,315/mo
With Taxes & Ins.~$1,670/mo
Income Needed$66,800/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Rochester, NY

The median home value in Rochester, NY is $252,192 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.3% compared to a year ago and up 4.3% from two years prior.

Compared to the U.S. national median of $410,000, homes in Rochester are priced38% below average. Rochester is part of the Rochester, NY metro area.

City Comparison

Rochester vs. National Median

🏠 Rochester
$252,192
National Median
$410,000

At $252,192, homes in Rochester cost 38% below the national median of $410,000. This makes Rochester a relatively affordable market for buyers seeking value.

Affordability

What Does It Cost to Buy in Rochester?

20% Down Payment
$50,438
on $252,192
Monthly P&I
$1,315/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,670/mo
incl. taxes & insurance
Income Needed
$66,800
gross annual (30% rule)
10% Down Option
$25,219
+ PMI applies
Loan Amount (20% dn)
$201,754
at current rates

Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.

FAQ

Frequently Asked Questions

What is the average home price in Rochester, NY?
The median home value in Rochester is $252,192 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.3% year-over-year.
How much have home prices changed in Rochester?
Over the past year, home values in Rochester have increased by 4.3%.
How much do I need to earn to buy a home in Rochester?
To comfortably afford the median home price of $252,192 with a 20% down payment ($50,438) at today's rates (6.8%), you'd need a gross annual income of approximately $66,800. This assumes keeping total housing costs at or below 30% of gross income.
How does Rochester compare to the national average home price?
The national median home value is approximately $410,000. At $252,192, homes in Rochester are 38% below the national average.
What metro area is Rochester part of?
Rochester is part of the Rochester, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.