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City · 36,834 residents · Monroe County, New York

Brighton , New York

In Brighton, a typical home is worth $282,100 and typical rent is $1,350 a month. Compared with all of Monroe County, the typical home value is 32% higher, typical rent is 15% higher, and the share of households that own their home is 7 points lower.

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  • Typical home value

    $282,100

    32% above the county

    33% below New York

    • Brighton
    • Monroe
    • New York

  • Typical rent

    $1,350a month

    15% above the county

    17% below New York

    • Brighton
    • Monroe
    • New York

  • Typical household income

    $85,467a year

    12% above the county

    About the same as New York

    • Brighton
    • Monroe
    • New York

  • Households that own their home

    56%

    7 points below the county

    2 points above New York

    • Brighton
    • Monroe
    • New York

Source: U.S. Census Bureau, Average 2020–2024

Brighton is in Monroe County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Monroe County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Brighton apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Rochester, the typical home value is $139,600: 51% less than in Brighton ($282,100).

  2. The typical home in Brighton is worth $282,100, 32% more than in Monroe County as a whole ($213,700).

  3. Nearby, in Rochester Institute of Technology, the typical rent is $1,037: 23% less than in Brighton ($1,350).

  4. The typical rent in Brighton is $1,350 a month, 15% more than in Monroe County as a whole ($1,173).

  5. 56% of households in Brighton own their home, against 64% in Monroe County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Brighton

What homes there are in Brighton, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is still the most common home in Brighton, but it weighs less than in Monroe County: 56% against 62%.

Year built

In Brighton, half of the homes were built before 1960; in Monroe County, before 1965.

There are fewer big homes in Brighton than in Monroe County: 50% have 3 bedrooms or more, against 61%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA loan limit for Monroe County is $541,287, and about 89% of owner-occupied homes in Brighton are worth less than that.

Monthly rent with utilities

With a mortgage

$2,055 a month

Monroe County: $1,676 a month

Without a mortgage

$935 a month

Monroe County: $766 a month

Owners with a mortgage

55%

Monroe County: 62%

The typical cost for an owner with a mortgage in Brighton is $2,055 a month, more than in Monroe County ($1,676); without one, $935.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Brighton gained value faster than in Monroe County: 53% against 44%.

Rents in Brighton rose at about the same pace as in Monroe County: 29% since 2015–2019, against 27%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureBrightonMonroe CountyNew YorkUnited States
Rental vacancy Unreliable estimate5.0%3.8%5.5%
Homeowner vacancy 3.3%0.6%1.1%0.9%
More than one person per room Unreliable estimate1.4%5.3%3.4%
People per household 2.162.282.492.53
Drive alone 67%71%49%69%
Carpool 7%8%6%9%
Public transit Unreliable estimate2%22%3%
Walk or bike 2%3%6%3%
Work from home 22%16%15%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Brighton are smaller: 2.16 people on average; in Monroe County, 2.28.

Many people here do not commute at all: 22% work from home; in Monroe County, 16%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Brighton?

A typical home costs more than the typical income allows

We start with a typical home in Brighton, worth $282,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Brighton, which is $85,467 a year. For that payment to be 28% of income, a household would need to earn about $117,300 a year.

The calculator's FHA and conventional loan limits are those of all of Monroe County.

Your numbers

Local data
$

Starts at the typical home value in Brighton. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $9,874 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,737

at 7.18% · 30 years

Loan amount
$276,990
Total interest
$398,524
Paid off in
November 2056

Includes $4,764 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,994 a month

  • Tight

    $1,994 to $2,564 a month

  • Hard

    more than $2,564 a month

    Your payment · 38%

Compared with the typical household income in Brighton ($85,467 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,737
Principal & interest$1,876
Property tax$618
Home insurance$118
FHA mortgage insurance (MIP)$125

You need at least $9,874 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Brighton and Monroe County

Brighton is in Monroe County, New York. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Brighton's own numbers

Typical home value
$282,100
Typical monthly rent
$1,350
Typical yearly household income
$85,467
Households that own their home
56%
Effective property tax rate
2.63%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Monroe County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,416
Price change over 5 years (FHFA)
+69%
Homes in a high flood-risk zone
1%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Monroe County.

Everything about Monroe County

Buying

Buying a home in Brighton

A typical home in Brighton is worth $282,100: 32% above the county and 33% below New York. With the typical household income in Brighton ($85,467 a year), a typical home costs 3.3 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Brighton 3.3 years
  • Monroe 2.8 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Monroe County

According to FHFA’s house price index, home prices in Monroe County rose 106% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Monroe County.

Period County New York U.S.
Last year (2025) +6.6% +6.0% +2.9%
5 years (2020–2025) +69% +52% +47%
10 years (2015–2025) +106% +86% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Brighton next to Monroe County, New York and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Brighton $282,100
  • Monroe $213,700
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Brighton $1,350
  • Monroe $1,173
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Brighton $85,467
  • Monroe $76,382
  • New York $85,974
  • United States $80,734
See the full table
Brighton next to Monroe County and New York
Measure Brighton Monroe County New York U.S.
Typical home value $282,100 $213,700 $423,800 $332,700
Typical monthly rent $1,350 $1,173 $1,621 $1,413
Typical yearly household income $85,467 $76,382 $85,974 $80,734
Households that own their home 56% 64% 54% 65%
Typical yearly property tax $7,428 $5,616 $6,582 $3,119
Effective property tax rate 2.63% 2.63% 1.55% 0.94%
Renters with high rent for their income 50% 51% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Monroe County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Brighton

For a typical $282,100 home in Brighton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Brighton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,737a month

    Least cash to close
    Down payment
    $9,874
    Cash to close
    $18,337
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $125

  • Conventional, 5% down $2,685a month

    Down payment
    $14,105
    Cash to close
    $22,568
    Rate
    7.18%
    Mortgage insurance
    PMI · $134

  • Conventional, 20% down, no PMI $2,265a month

    Down payment
    $56,420
    Cash to close
    $64,883
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,525a month

    Down payment
    $42,315
    Cash to close
    $50,778
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Brighton and for Monroe County.

Property tax

Effective rate in Brighton

2.63%of the home’s value each year

$7,428 a year for the typical owner in Brighton.

  • Brighton 2.63%
  • Monroe 2.63%
  • New York 1.55%

What New York publishes Basic STAR school tax relief (New York State Department of Taxation and Finance)

Exemptions and deadlines in New York

Flood risk in Monroe County

FEMA does not publish these numbers by city: they are for all of Monroe County.

Homes in the high-risk zone
1%
2,341
Of those, with NFIP insurance
26%
County New York U.S.
Homes in the high-risk zone 1% 2% 3.5%
Of those, with NFIP insurance 26% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Brighton

Typical rent in Brighton is $1,350 a month: 15% above the county. In Brighton, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Monroe County, by unit size. To pay the 2-bedroom one ($1,416 a month) without spending more than 30% of your income, you would need to earn $27.23 an hour working full time.

HUD fair market rent for all of Monroe County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,005 $19.33 $40,200
1 bedroom $1,131 $21.75 $45,240
2 bedrooms $1,416 $27.23 $56,640
3 bedrooms $1,706 $32.81 $68,240
4 bedrooms $1,875 $36.06 $75,000

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Brighton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Brighton has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,510 in 14610 to $1,700 in 14618.

3 of the 3 are above the fair market rent for Monroe County ($1,416).

  • 14610 $1,510$1,820
  • 14618 $1,700$2,050
  • 14623 $1,570$1,890

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Brighton when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Brighton

HUD lists 3 buildings with rents for lower incomes in Brighton. These are the largest.

  • Blossom Village Apartments 1275 Blossom Rd, Brighton 14610 24 homes, 23 low-income · For people with disabilities (585) 454-5711
  • Group Residences 480 Kings Highway, Brighton 14618 18 low-income homes · For people with disabilities (585) 334-6000
  • 620 Clover Street 600 Clover St, Brighton 14610 6 low-income homes · Studio: 6 · In service since 2003 · For people with disabilities

See all 194 buildings in Monroe County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Brighton

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 7 HUD-approved agencies with an office in Monroe County; 4 say they serve in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Brighton

No down payment, repair or rent-help program on our list is for Brighton or Monroe County. The ones below are statewide in New York: they work in Brighton the same as in the rest of the state.

Which programs do I qualify for? All programs in New York

Housing counselors near Brighton

The HUD-approved agencies closest to the center of Brighton, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • CCCS of Rochester-Home Office

    1050 University Ave, Rochester · 2 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (888) 724-2227

  • Pathstone Corporation- New York

    400 East Avenue, Rochester · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (585) 546-3700

  • The Housing Council at Pathstone, Inc.

    75 College Ave, Rochester · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (585) 546-3700

Every agency in Monroe County All counseling agencies in New York

Help in Spanish near Brighton

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Brighton

In HUD’s record, no housing authority with an office in Monroe County is named for Brighton or Monroe County.

2 other authorities have an office in Monroe County: see the list Source: HUD

Cities

Other cities in Monroe County

These cities are also in Monroe County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Monroe County Housing in New York

Nearby cities

The cities closest to Brighton, with the typical home value.

Neighboring counties

If Monroe County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Brighton.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Brighton

Short answers with the numbers for Brighton and all of Monroe County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Brighton?

The typical home value in Brighton is $282,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Monroe County it is $213,700.

How much does it cost to rent in Brighton?

Typical rent in Brighton is $1,350 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Monroe County is $1,416.

What is the FHA loan limit in Brighton?

Brighton uses the FHA limit for all of Monroe County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Brighton?

The typical homeowner in Brighton pays $7,428 a year, according to the U.S. Census Bureau. That is 2.63% of the home’s value; in Monroe County, the rate is 2.63%.

Where can I find free help to buy or rent in Brighton?

There are 7 HUD-approved counseling agencies with an office in Monroe County. 4 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).