In Fairport, a typical home is worth $278,100 and typical rent is $1,165 a month. Compared with all of Monroe County, typical household income is 40% higher and the typical home value is 30% higher.
Typical home value from Zillow, September 2021 to September 2026: from $282,550 to $403,018.
Typical rent
$1,706a month
▼ 0.7% less than 12 months ago
Typical rent from Zillow, December 2022 to September 2026: from $1,384 to $1,706.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Fairport 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
Nearby, in East Rochester, the typical home value is $143,500: 48% less than in Fairport ($278,100).
2
The typical household income in Fairport is $107,009,40% more than in Monroe County as a whole ($76,382).
3
The typical home in Fairport is worth $278,100,30% more than in Monroe County as a whole ($213,700).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Fairport
What homes there are in Fairport, 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
Fairport
Monroe County
New York
United States
Kind of home: Fairport and its comparisons
Measure
Fairport
Monroe County
New York
United States
Detached house
60%
62%
41%
61%
Attached house
Unreliable estimate
6%
6%
6%
Building of 2 to 4
22%
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%
The detached house is the most common home in Fairport: 60% of homes, near the figure in Monroe County (62%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Fairport
Monroe County
New York
United States
Year built: Fairport and its comparisons
Measure
Fairport
Monroe County
New York
United States
Before 1960
65%
43%
52%
26%
1960–1979
18%
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%
In Fairport, at least half of the homes were built before 1940, and 65% date from before 1960.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K13%
$200K–$300K43%
$300K–$500K35%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Fairport and its comparisons
Measure
Fairport
Under $100K
Unreliable estimate
$100K–$200K
13%
$200K–$300K
43%
$300K–$500K
35%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49948%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Fairport and its comparisons
Measure
Fairport
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
48%
$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
$1,886 a month
Monroe County: $1,676 a month
Without a mortgage
$1,106 a month
Monroe County: $766 a month
Owners with a mortgage
64%
Monroe County: 62%
The typical cost for an owner with a mortgage in Fairport is $1,886 a month, more than in Monroe County ($1,676); without one, $1,106.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Fairport+52%
Monroe County+44%
New York+35%
United States+53%
Typical rent
FairportNo clear change
Monroe County+27%
New York+27%
United States+33%
Typical household income
Fairport+49%
Monroe County+27%
New York+26%
United States+29%
Change since 2015–2019: Fairport and its comparisons
Measure
Fairport
Monroe County
New York
United States
Typical home value
+52%
+44%
+35%
+53%
Typical rent
No clear change
+27%
+27%
+33%
Typical household income
+49%
+27%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Fairport rose 52%; in Monroe County, it rose 44%.
Rent in Fairport moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Fairport and its comparisons
Measure
Fairport
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
2.11
2.28
2.49
2.53
Drive alone
64%
71%
49%
69%
Carpool
Unreliable estimate
8%
6%
9%
Public transit
Unreliable estimate
2%
22%
3%
Walk or bike
Unreliable estimate
3%
6%
3%
Work from home
25%
16%
15%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Households in Fairport are smaller: 2.11 people on average; in Monroe County, 2.28.
In Fairport, 25% of workers work from home, more than in Monroe County (16%).
Do the math
What would you pay each month for a home in Fairport?
A typical home is tight for the typical income
We start with a typical home in Fairport, worth $278,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Fairport, which is $107,009 a year. For that payment to be 28% of income, a household would need to earn about $120,504 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 Fairport. 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 $9,734 (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
$2,812
at 7.18% · 30 years
Loan amount
$273,062
Total interest
$392,873
Paid off in
November 2056
Includes $4,696 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,497 a month
Tight
$2,497 to $3,210 a month
Your payment · 32%
Hard
more than $3,210 a month
Compared with the typical household income in Fairport ($107,009 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,850
Property tax
$723
Home insurance
$116
FHA mortgage insurance (MIP)
$123
You need at least $9,734 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 $2,812; principal and interest $1,850.
The city and its county
Fairport and Monroe County
Fairport 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).
Fairport
Map of Monroe County, New York, with Fairport marked. Around it, the neighboring counties.
Fairport
Monroe County
Other cities with a page
Fairport's own numbers
Typical home value
$278,100
Typical monthly rent
$1,165
Typical yearly household income
$107,009
Households that own their home
68%
Effective property tax rate
3.12%
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 Fairport is worth $278,100: 30% above the county and 34% below New York. With the typical household income in Fairport ($107,009 a year), a typical home costs 2.6 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.
Fairport2.6 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
Fairport 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
Fairport$278,100
Monroe$213,700
New York$423,800
United States$332,700
Typical monthly rent
Fairport$1,165
Monroe$1,173
New York$1,621
United States$1,413
Typical yearly household income
Fairport$107,009
Monroe$76,382
New York$85,974
United States$80,734
See the full table
Fairport next to Monroe County and New York
Measure
Fairport
Monroe County
New York
U.S.
Typical home value
$278,100 ▲30% above the county
$213,700
$423,800
$332,700
Typical monthly rent
$1,165
$1,173
$1,621
$1,413
Typical yearly household income
$107,009 ▲40% above the county
$76,382
$85,974
$80,734
Households that own their home
68% ▲4 points above the county
64%
54%
65%
Typical yearly property tax
$8,683 ▲55% above the county
$5,616
$6,582
$3,119
Effective property tax rate
3.12% ▲0.49 points above the county
2.63%
1.55%
0.94%
“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 Fairport
For a typical $278,100 home in Fairport, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fairport's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,812a month
Least cash to close
Down payment
$9,734
Cash to close
$18,077
Rate
7.18%
Mortgage insurance
FHA MIP · $123
Conventional, 5% down$2,761a month
Down payment
$13,905
Cash to close
$22,248
Rate
7.18%
Mortgage insurance
PMI · $132
Conventional, 20% down, no PMI$2,346a month
Down payment
$55,620
Cash to close
$63,963
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,603a month
Down payment
$41,715
Cash to close
$50,058
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Fairport
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,812
$9,734
$273,063
7.18%
FHA MIP · $123
$18,077
580
Conventional, 5% down
$2,761
$13,905
$264,195
7.18%
PMI · $132
$22,248
620*
Conventional, 20% down, no PMI
$2,346
$55,620
$222,480
7.18%
None
$63,963
620*
ITIN, 15% down (example)
$2,603
$41,715
$236,385
8.18%
None
$50,058
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 Fairport is $1,165 a month: about the same as the county.
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 Fairport
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fairport is in ZIP code 14450.
For 2 bedrooms it is $1,620: $204 more than the fair market rent for Monroe County ($1,416).
Fair market rent by ZIP code and size in Fairport, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
14450
$1,150
$1,290
$1,620
$1,950
$2,140
ZIP code2 bd3 bd
14450 $1,620$1,950
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fairport 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)
HUD lists 7 buildings with rents for lower incomes in Fairport. These are the largest.
Pines Apts1 Locust Ln, Fairport 14450508 homes, 447 low-income · Studio: 30 · 1 bd: 189 · 2 bd: 126 · 3 bd: 79 · 4 bd: 23 · In service since 2004 · For families(585) 388-0010
Fairport Apts1030 Whitney Rd E, Fairport 14450104 homes, 102 low-income · Studio: 52 · 1 bd: 52 · In service since 2011 · For older adults, people with disabilities
Jefferson Park Apts120 Jefferson Ave, Fairport 1445069 homes, 68 low-income · 1 bd: 68 · In service since 2000 · For older adults, families
Fairport Senior Apts42 East Ave, Fairport 1445021 low-income homes · 1 bd: 17 · 2 bd: 4 · In service since 2002 · For older adults
Turk Hill Lonesome Road821 Turk Hill Rd, Fairport 1445012 low-income homes · For people with disabilities
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 Fairport or Monroe County. The ones below are statewide in New York: they work in Fairport 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).
No legal help resource on our list is for Fairport 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 Fairport 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 Fairport?
The typical home value in Fairport is $278,100, 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 Fairport?
Typical rent in Fairport is $1,165 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 Fairport?
Fairport 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 Fairport?
The typical homeowner in Fairport pays $8,683 a year, according to the U.S. Census Bureau. That is 3.12% of the home’s value; in Monroe County, the rate is 2.63%.
Where can I find free help to buy or rent in Fairport?
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.
