In East Rochester, a typical home is worth $143,500 and typical rent is $1,132 a month. Compared with all of Monroe County, the typical home value is 33% lower.
Typical home value from Zillow, September 2021 to September 2026: from $158,454 to $228,745.
Typical rent
$1,322a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
East Rochester 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
What this place has that others do not, from public data, most unusual first.
1
East Rochester has the 8th smallest share of rent-burdened renters of the 300 cities in New York with more than 5,000 people (33%).
2
The typical home in East Rochester is worth $143,500,33% less than in Monroe County as a whole ($213,700).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in East Rochester
What homes there are in East Rochester, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
East Rochester
Monroe County
New York
United States
Kind of home: East Rochester and its comparisons
Measure
East Rochester
Monroe County
New York
United States
Detached house
54%
62%
41%
61%
Attached house
11%
6%
6%
6%
Building of 2 to 4
33%
13%
17%
8%
Apartments (5 or more)
Unreliable estimate
18%
35%
19%
Mobile home
Unreliable estimate
1%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in East Rochester (54%), but less so than in Monroe County (62%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
East Rochester
Monroe County
New York
United States
Year built: East Rochester and its comparisons
Measure
East Rochester
Monroe County
New York
United States
Before 1960
71%
43%
52%
26%
1960–1979
25%
26%
22%
24%
1980–1999
Unreliable estimate
18%
14%
25%
2000–2009
Unreliable estimate
7%
6%
14%
2010 or later
Unreliable estimate
6%
6%
11%
The typical home in East Rochester was built in 1941, 24 years before the typical one in Monroe County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K14%
$100K–$200K64%
$200K–$300K16%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: East Rochester and its comparisons
Measure
East Rochester
Under $100K
14%
$100K–$200K
64%
$200K–$300K
16%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99926%
$1,000–$1,49955%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: East Rochester and its comparisons
Measure
East Rochester
Under $500
Unreliable estimate
$500–$999
26%
$1,000–$1,499
55%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,390 a month
Monroe County: $1,676 a month
Without a mortgage
$664 a month
Monroe County: $766 a month
Owners with a mortgage
64%
Monroe County: 62%
In East Rochester, 64% of owners have a mortgage, and their typical cost is $1,390 a month, against $1,676 in Monroe County. Without one it drops to $664.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
East Rochester+38%
Monroe County+44%
New York+35%
United States+53%
Typical rent
East Rochester+27%
Monroe County+27%
New York+27%
United States+33%
Typical household income
East Rochester+44%
Monroe County+27%
New York+26%
United States+29%
Change since 2015–2019: East Rochester and its comparisons
Measure
East Rochester
Monroe County
New York
United States
Typical home value
+38%
+44%
+35%
+53%
Typical rent
+27%
+27%
+27%
+33%
Typical household income
+44%
+27%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in East Rochester rose 38%; in Monroe County, it rose 44%.
Much as in Monroe County, the typical rent in East Rochester rose 27% since 2015–2019.
Here income gained ground: typical income rose 44%, against +38% for home values and +27% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: East Rochester and its comparisons
Measure
East Rochester
Monroe County
New York
United States
Rental vacancy
Unreliable estimate
5.0%
3.8%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
1.1%
0.9%
More than one person per room
Unreliable estimate
1.4%
5.3%
3.4%
People per household
2.05
2.28
2.49
2.53
Drive alone
79%
71%
49%
69%
Carpool
4%
8%
6%
9%
Public transit
Unreliable estimate
2%
22%
3%
Walk or bike
Unreliable estimate
3%
6%
3%
Work from home
9%
16%
15%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in East Rochester has 2.05 people, fewer than in Monroe County (2.28).
To get to work, 79% of workers in East Rochester drive alone; in Monroe County, 71%.
Do the math
What would you pay each month for a home in East Rochester?
A typical home is within reach of the typical income
We start with a typical home in East Rochester, worth $143,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 24% of the typical household income in East Rochester, which is $73,344 a year.
The calculator's FHA and conventional loan limits are those of all of Monroe County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in East Rochester. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $5,023 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,476
at 7.18% · 30 years
Loan amount
$140,900
Total interest
$202,723
Paid off in
November 2056
Includes $2,423 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,711 a month
Your payment · 24%
Tight
$1,711 to $2,200 a month
Hard
more than $2,200 a month
Compared with the typical household income in East Rochester ($73,344 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$955
Property tax
$398
Home insurance
$60
FHA mortgage insurance (MIP)
$63
You need at least $5,023 for the down payment, plus closing costs.
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.
Total monthly payment $1,476; principal and interest $955.
The city and its county
East Rochester and Monroe County
East Rochester 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).
East Rochester
Map of Monroe County, New York, with East Rochester marked. Around it, the neighboring counties.
East Rochester
Monroe County
Other cities with a page
East Rochester's own numbers
Typical home value
$143,500
Typical monthly rent
$1,132
Typical yearly household income
$73,344
Households that own their home
61%
Effective property tax rate
3.33%
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.
A typical home in East Rochester is worth $143,500: 33% below the county and 66% below New York. With the typical household income in East Rochester ($73,344 a year), a typical home costs 2.0 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.
East Rochester2.0 years
Monroe2.8 years
New York4.9 years
United States4.1 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.
Yearly change in FHFA’s price index in Monroe County, 2016 to 2025
2016: +2.1% +2.1% 2016
2017: +4.1% +4.1% 2017
2018: +5.6% +5.6% 2018
2019: +3.6% +3.6% 2019
2020: +5.0% +5.0% 2020
2021: +12.4% +12.4% 2021
2022: +15.4% +15.4% 2022
2023: +12.3% +12.3% 2023
2024: +8.9% +8.9% 2024
2025: +6.6% +6.6% 2025
Change in FHFA’s price index in Monroe County, New York and the United States
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
East Rochester 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
East Rochester$143,500
Monroe$213,700
New York$423,800
United States$332,700
Typical monthly rent
East Rochester$1,132
Monroe$1,173
New York$1,621
United States$1,413
Typical yearly household income
East Rochester$73,344
Monroe$76,382
New York$85,974
United States$80,734
See the full table
East Rochester next to Monroe County and New York
Measure
East Rochester
Monroe County
New York
U.S.
Typical home value
$143,500 ▼33% below the county
$213,700
$423,800
$332,700
Typical monthly rent
$1,132 ▼3% below the county
$1,173
$1,621
$1,413
Typical yearly household income
$73,344 ▼4% below the county
$76,382
$85,974
$80,734
Households that own their home
61% ▼3 points below the county
64%
54%
65%
Typical yearly property tax
$4,778 ▼15% below the county
$5,616
$6,582
$3,119
Effective property tax rate
3.33% ▲0.7 points above the county
2.63%
1.55%
0.94%
Renters with high rent for their income
33% ▼19 points below the county
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 East Rochester
For a typical $143,500 home in East Rochester, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, East Rochester's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,476a month
Least cash to close
Down payment
$5,023
Cash to close
$9,328
Rate
7.18%
Mortgage insurance
FHA MIP · $63
Conventional, 5% down$1,450a month
Down payment
$7,175
Cash to close
$11,480
Rate
7.18%
Mortgage insurance
PMI · $68
Conventional, 20% down, no PMI$1,236a month
Down payment
$28,700
Cash to close
$33,005
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,368a month
Down payment
$21,525
Cash to close
$25,830
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in East Rochester
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,476
$5,023
$140,901
7.18%
FHA MIP · $63
$9,328
580
Conventional, 5% down
$1,450
$7,175
$136,325
7.18%
PMI · $68
$11,480
620*
Conventional, 20% down, no PMI
$1,236
$28,700
$114,800
7.18%
None
$33,005
620*
ITIN, 15% down (example)
$1,368
$21,525
$121,975
8.18%
None
$25,830
Set by the lender
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.
Typical rent in East Rochester is $1,132 a month: 3% below the county. In East Rochester, 33% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Monroe County (Fiscal year 2027)
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 East Rochester
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). East Rochester is in ZIP code 14445.
For 2 bedrooms it is $1,430: $14 more than the fair market rent for Monroe County ($1,416).
Fair market rent by ZIP code and size in East Rochester, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
14445
$1,010
$1,140
$1,430
$1,710
$1,890
ZIP code2 bd3 bd
14445 $1,430$1,710
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for East Rochester 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
No down payment, repair or rent-help program on our list is for East Rochester or Monroe County. The ones below are statewide in New York: they work in East Rochester the same as in the rest of the state.
SONYMA second loan with no interest, forgiven after ten years, for the down payment with a SONYMA mortgage in New York.Offered by State of New York Mortgage Agency (SONYMA).
SONYMA mortgage at a very low fixed rate for low-income first-time buyers in New York, with a minimal down payment.Offered by State of New York Mortgage Agency (SONYMA).
The HUD-approved agencies closest to the center of East Rochester, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for East Rochester or Monroe County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for East Rochester 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 East Rochester?
The typical home value in East Rochester is $143,500, 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 East Rochester?
Typical rent in East Rochester is $1,132 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 East Rochester?
East Rochester 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 East Rochester?
The typical homeowner in East Rochester pays $4,778 a year, according to the U.S. Census Bureau. That is 3.33% of the home’s value; in Monroe County, the rate is 2.63%.
Where can I find free help to buy or rent in East Rochester?
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.
