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City · 10,514 residents · Ontario County, New York

Canandaigua , New York

In Canandaigua, a typical home is worth $229,100 and typical rent is $1,095 a month. Compared with all of Ontario County, typical household income is 21% lower and the share of households that own their home is 23 points lower.

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  • Typical home value

    $229,100

    3% above the county

    46% below New York

    • Canandaigua
    • Ontario
    • New York

  • Typical rent

    $1,095a month

    5% below the county

    32% below New York

    • Canandaigua
    • Ontario
    • New York

  • Typical household income

    $64,929a year

    21% below the county

    24% below New York

    • Canandaigua
    • Ontario
    • New York

  • Households that own their home

    51%

    23 points below the county

    4 points below New York

    • Canandaigua
    • Ontario
    • New York

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

Market now, with Zillow data

Zillow data
Typical rent
$1,596 a month

From Zillow (ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Canandaigua is in Ontario 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 Ontario County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Canandaigua apart

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

  1. 51% of households in Canandaigua own their home, against 74% in Ontario County.

  2. Nearby, in Newark, the typical home value is $132,600: 42% less than in Canandaigua ($229,100).

  3. The typical household income in Canandaigua is $64,929, 21% less than in Ontario County as a whole ($82,324).

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

The homes here

Housing in Canandaigua

What homes there are in Canandaigua, 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

In Canandaigua there is a bit of everything: no kind of home reaches half. The most common are detached houses (41%); in Ontario County, 67%.

Year built

The typical home in Canandaigua was built in 1962, 14 years before the typical one in Ontario County.

Homes in Canandaigua are smaller: 45% have 3 bedrooms or more; in Ontario County, 66%.

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
Monthly rent with utilities

By rent, most homes in Canandaigua cost less than HUD's 2-bedroom fair market rent ($1,416): about 73%.

With a mortgage

$1,680 a month

Ontario County: $1,685 a month

Without a mortgage

$864 a month

Ontario County: $721 a month

Owners with a mortgage

61%

Ontario County: 57%

In Canandaigua, 61% of owners have a mortgage; their typical cost is $1,680 a month, about the same as in Ontario County.

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

From 2015–2019 to 2020–2024, home values in Canandaigua rose at about the same pace as in Ontario County: 39% against 38%.

Much as in Ontario County, the typical rent in Canandaigua rose 31% since 2015–2019.

To compare: typical income in Canandaigua rose 32%; the home, +39%; the rent, +31%.

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

MeasureCanandaiguaOntario CountyNew YorkUnited States
Rental vacancy Unreliable estimate5.4%3.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate1.4%5.3%3.4%
People per household 1.962.242.492.53
Drive alone 74%75%49%69%
Carpool 7%7%6%9%
Public transit Unreliable estimateUnreliable estimate22%3%
Walk or bike Unreliable estimate3%6%3%
Work from home 11%14%15%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Canandaigua are smaller: 1.96 people on average; in Ontario County, 2.24.

In Canandaigua, 74% of workers drive alone to work; in Ontario County, 75%.

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 Canandaigua?

A typical home costs more than the typical income allows

We start with a typical home in Canandaigua, worth $229,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Canandaigua, which is $64,929 a year. For that payment to be 28% of income, a household would need to earn about $92,481 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Canandaigua. 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 $8,019 (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

$2,158

at 7.18% · 30 years

Loan amount
$224,950
Total interest
$323,650
Paid off in
November 2056

Includes $3,869 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,515 a month

  • Tight

    $1,515 to $1,948 a month

  • Hard

    more than $1,948 a month

    Your payment · 40%

Compared with the typical household income in Canandaigua ($64,929 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,158
Principal & interest$1,524
Property tax$437
Home insurance$96
FHA mortgage insurance (MIP)$101

You need at least $8,019 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

Canandaigua and Ontario County

Canandaigua is in Ontario 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).

Canandaigua's own numbers

Typical home value
$229,100
Typical monthly rent
$1,095
Typical yearly household income
$64,929
Households that own their home
51%
Effective property tax rate
2.29%

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

Numbers for all of Ontario 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)
+61%

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 Ontario County.

Everything about Ontario County

Buying

Buying a home in Canandaigua

A typical home in Canandaigua is worth $229,100: 3% above the county and 46% below New York. With the typical household income in Canandaigua ($64,929 a year), a typical home costs 3.5 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.

  • Canandaigua 3.5 years
  • Ontario 2.7 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Ontario County

According to FHFA’s house price index, home prices in Ontario County rose 90% in the 10 years through 2025.

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

Period County New York U.S.
Last year (2025) +7.3% +6.0% +2.9%
5 years (2020–2025) +61% +52% +47%
10 years (2015–2025) +90% +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

Canandaigua next to Ontario 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
  • Canandaigua $229,100
  • Ontario $222,900
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Canandaigua $1,095
  • Ontario $1,150
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Canandaigua $64,929
  • Ontario $82,324
  • New York $85,974
  • United States $80,734
See the full table
Canandaigua next to Ontario County and New York
Measure Canandaigua Ontario County New York U.S.
Typical home value $229,100 $222,900 $423,800 $332,700
Typical monthly rent $1,095 $1,150 $1,621 $1,413
Typical yearly household income $64,929 $82,324 $85,974 $80,734
Households that own their home 51% 74% 54% 65%
Typical yearly property tax $5,252 $4,565 $6,582 $3,119
Effective property tax rate 2.29% 2.05% 1.55% 0.94%
Renters with high rent for their income 40% 46% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Ontario 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 Canandaigua

For a typical $229,100 home in Canandaigua, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Canandaigua's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,158a month

    Least cash to close
    Down payment
    $8,019
    Cash to close
    $14,892
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $101

  • Conventional, 5% down $2,116a month

    Down payment
    $11,455
    Cash to close
    $18,328
    Rate
    7.18%
    Mortgage insurance
    PMI · $109

  • Conventional, 20% down, no PMI $1,774a month

    Down payment
    $45,820
    Cash to close
    $52,693
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,986a month

    Down payment
    $34,365
    Cash to close
    $41,238
    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 Canandaigua and for Ontario County.

Property tax

Effective rate in Canandaigua

2.29%of the home’s value each year

$5,252 a year for the typical owner in Canandaigua.

  • Canandaigua 2.29%
  • Ontario 2.05%
  • 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 Ontario County

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

FEMA’s maps count no homes in the high-risk zone in Ontario County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Canandaigua

Typical rent in Canandaigua is $1,095 a month: 5% below the county. In Canandaigua, 40% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Ontario 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 Ontario 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 Canandaigua

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Canandaigua is in ZIP code 14424.

For 2 bedrooms it is $1,450: $34 more than the fair market rent for Ontario County ($1,416).

  • 14424 $1,450$1,750

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Canandaigua 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 Canandaigua

HUD lists 11 buildings with rents for lower incomes in Canandaigua. These are the largest.

  • Canandaigua Elderly Housing 80 Parrish St, Canandaigua 14424 131 homes, 130 low-income · For older adults (585) 394-3097
  • Creekview Apartments at Woodland Park 1004 Woodland Park Cir, Canandaigua 14424 96 low-income homes · 1 bd: 24 · 2 bd: 48 · 3 bd: 24 · In service since 2019 · For people with disabilities
  • Farmington Senior Apts 6000 Mercier Blvd, Canandaigua 14425 88 homes, 87 low-income · 1 bd: 72 · 2 bd: 16 · In service since 2010 · For older adults
  • Lakeside Village Apartments 275 Jefferson Ave, Canandaigua 14424 64 low-income homes · For families (585) 396-2730
  • Old Brookside Apts I 2890 Conifer Dr, Canandaigua 14424 64 homes, 63 low-income · 1 bd: 16 · 2 bd: 40 · 3 bd: 8 · In service since 2007 · For families

See all 39 buildings in Ontario County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Canandaigua

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 is 1 HUD-approved agency with an office in Ontario County; none says it serves in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Canandaigua

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

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

Housing counselors near Canandaigua

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

  • Pathstone Corporation- Canandaigua, NY

    5297 Parkside Dr Ste 410, Canandaigua · 2 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (585) 626-4097

  • Bishop Sheen Ecumenical Housing Foundation

    6605 Pittsford Palmyra Rd Ste E5, Fairport · 15 miles away

    • Home improvement and repairs
    • Pre-purchase counseling
    • and 1 more
    (585) 461-4263

  • Keuka Housing Council

    160 Main St, Penn Yan · 19 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (315) 536-8707

Every agency in Ontario County All counseling agencies in New York

Help in Spanish near Canandaigua

None 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 Canandaigua

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

One other authority has an office in Ontario County: see the list Source: HUD

Cities

Other cities in Ontario County

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

Everything about Ontario County Housing in New York

Nearby cities

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

Neighboring counties

If Ontario 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 Canandaigua.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Canandaigua

Short answers with the numbers for Canandaigua and all of Ontario 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 Canandaigua?

The typical home value in Canandaigua is $229,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ontario County it is $222,900.

How much does it cost to rent in Canandaigua?

Typical rent in Canandaigua is $1,095 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ontario County is $1,416.

What is the FHA loan limit in Canandaigua?

Canandaigua uses the FHA limit for all of Ontario 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 Canandaigua?

The typical homeowner in Canandaigua pays $5,252 a year, according to the U.S. Census Bureau. That is 2.29% of the home’s value; in Ontario County, the rate is 2.05%.

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

There is 1 HUD-approved counseling agency with an office in Ontario County. 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).