Market Overview
Home Prices in Rochester, TX
The median home value in Rochester, TX is $81,044 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.5% compared to a year ago and down 3.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Rochester are priced80% below average.
Price History
Rochester Home Price Trend
2022
$81,264
$81K
—
2023
$84,964
$85K
+4.6%
2024
$85,301
$85K
+0.4%
2025
$82,316
$82K
-3.5%
2026
$81,044
$81K
-1.5%
City Comparison
Rochester vs. National Median
🏠 Rochester
$81,044
National Median
$410,000
At $81,044, homes in Rochester cost 80% 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
$16,209
on $81,044
Monthly P&I
$423/mo
30-yr @ 6.8%
Total Monthly Est.
~$537/mo
incl. taxes & insurance
Income Needed
$21,480
gross annual (30% rule)
10% Down Option
$8,104
+ PMI applies
Loan Amount (20% dn)
$64,835
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, TX?
The median home value in Rochester is $81,044 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.5% year-over-year.
How much have home prices changed in Rochester?
Over the past year, home values in Rochester have decreased by 1.5%.
How much do I need to earn to buy a home in Rochester?
To comfortably afford the median home price of $81,044 with a 20% down payment ($16,209) at today's rates (6.8%), you'd need a gross annual income of approximately $21,480. 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 $81,044, homes in Rochester are 80% below the national average.