In Gananda, a typical home is worth $235,900 and typical rent is $1,027 a month. Compared with all of Wayne County, typical household income is 47% higher, the typical home value is 39% higher, and the share of households that own their home is 13 points higher.
Gananda is in Wayne 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 Wayne County. See the county
What this place has that others do not, from public data, most unusual first.
1
Gananda has the 6th largest share of rent-burdened renters of the 300 cities in New York with more than 5,000 people (88%).
2
The typical household income in Gananda is $109,761,47% more than in Wayne County as a whole ($74,506).
3
Nearby, in East Rochester, the typical home value is $143,500: 39% less than in Gananda ($235,900).
4
The typical home in Gananda is worth $235,900,39% more than in Wayne County as a whole ($170,000).
5
93% of households in Gananda own their home, against 80% in Wayne County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Gananda
What homes there are in Gananda, 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
Gananda
Wayne County
New York
United States
Kind of home: Gananda and its comparisons
Measure
Gananda
Wayne County
New York
United States
Detached house
81%
75%
41%
61%
Attached house
7%
2%
6%
6%
Building of 2 to 4
Unreliable estimate
10%
17%
8%
Apartments (5 or more)
Unreliable estimate
6%
35%
19%
Mobile home
Unreliable estimate
8%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Gananda, 8 in 10 homes are single-family detached houses; in Wayne County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Gananda
Wayne County
New York
United States
Year built: Gananda and its comparisons
Measure
Gananda
Wayne County
New York
United States
Before 1960
Unreliable estimate
44%
52%
26%
1960–1979
14%
21%
22%
24%
1980–1999
58%
23%
14%
25%
2000–2009
20%
8%
6%
14%
2010 or later
Unreliable estimate
4%
6%
11%
Homes in Gananda are newer: the typical year built is 1993; in Wayne County, 1968.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K30%
$200K–$300K41%
$300K–$500K24%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Gananda and its comparisons
Measure
Gananda
Under $100K
Unreliable estimate
$100K–$200K
30%
$200K–$300K
41%
$300K–$500K
24%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Gananda and its comparisons
Measure
Gananda
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,960 a month
Wayne County: $1,541 a month
Without a mortgage
$839 a month
Wayne County: $666 a month
Owners with a mortgage
75%
Wayne County: 60%
The typical cost for an owner with a mortgage in Gananda is $1,960 a month, more than in Wayne County ($1,541); without one, $839.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
GanandaBoundaries changed
Wayne County+37%
New York+35%
United States+53%
Typical rent
GanandaBoundaries changed
Wayne County+20%
New York+27%
United States+33%
Typical household income
GanandaBoundaries changed
Wayne County+25%
New York+26%
United States+29%
Change since 2015–2019: Gananda and its comparisons
Measure
Gananda
Wayne County
New York
United States
Typical home value
Boundaries changed
+37%
+35%
+53%
Typical rent
Boundaries changed
+20%
+27%
+33%
Typical household income
Boundaries changed
+25%
+26%
+29%
The Census does not compare Gananda with 2015–2019 because its boundaries changed. In Wayne County, over that time, the typical home value rose 37%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Gananda and its comparisons
Measure
Gananda
Wayne County
New York
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
3.8%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
1.6%
5.3%
3.4%
People per household
2.38
2.30
2.49
2.53
Drive alone
73%
78%
49%
69%
Carpool
5%
9%
6%
9%
Public transit
Unreliable estimate
Unreliable estimate
22%
3%
Walk or bike
Unreliable estimate
2%
6%
3%
Work from home
22%
10%
15%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Wayne County, a household in Gananda has 2.38 people on average.
Many people here do not commute at all: 22% work from home; in Wayne County, 10%.
Do the math
What would you pay each month for a home in Gananda?
A typical home is within reach of the typical income
We start with a typical home in Gananda, worth $235,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Gananda, which is $109,761 a year.
The calculator's FHA and conventional loan limits are those of all of Wayne 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 Gananda. 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 $8,257 (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
$2,305
at 7.18% · 30 years
Loan amount
$231,627
Total interest
$333,257
Paid off in
November 2056
Includes $3,984 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,561 a month
Your payment · 25%
Tight
$2,561 to $3,293 a month
Hard
more than $3,293 a month
Compared with the typical household income in Gananda ($109,761 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,569
Property tax
$533
Home insurance
$98
FHA mortgage insurance (MIP)
$104
You need at least $8,257 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 $2,305; principal and interest $1,569.
The city and its county
Gananda and Wayne County
Gananda is in Wayne 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).
Gananda
Map of Wayne County, New York, with Gananda marked. Around it, the neighboring counties.
Gananda
Wayne County
Other cities with a page
Gananda's own numbers
Typical home value
$235,900
Typical monthly rent
$1,027
Typical yearly household income
$109,761
Households that own their home
93%
Effective property tax rate
2.71%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Wayne 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)
+66%
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 Wayne County.
A typical home in Gananda is worth $235,900: 39% above the county and 44% below New York. With the typical household income in Gananda ($109,761 a year), a typical home costs 2.1 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.
Gananda2.1 years
Wayne2.3 years
New York4.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Wayne County
According to FHFA’s house price index, home prices in Wayne County rose 105% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Wayne County.
Yearly change in FHFA’s price index in Wayne County, 2016 to 2025
2016: +1.4% +1.4% 2016
2017: +3.7% +3.7% 2017
2018: +5.3% +5.3% 2018
2019: +4.8% +4.8% 2019
2020: +6.5% +6.5% 2020
2021: +11.1% +11.1% 2021
2022: +15.8% +15.8% 2022
2023: +13.1% +13.1% 2023
2024: +9.3% +9.3% 2024
2025: +4.7% +4.7% 2025
Change in FHFA’s price index in Wayne County, New York and the United States
Period
County
New York
U.S.
Last year (2025)
+4.7%
+6.0%
+2.9%
5 years (2020–2025)
+66%
+52%
+47%
10 years (2015–2025)
+105%
+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
Gananda next to Wayne 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
Gananda$235,900
Wayne$170,000
New York$423,800
United States$332,700
Typical monthly rent
Gananda$1,027
Wayne$938
New York$1,621
United States$1,413
Typical yearly household income
Gananda$109,761
Wayne$74,506
New York$85,974
United States$80,734
See the full table
Gananda next to Wayne County and New York
Measure
Gananda
Wayne County
New York
U.S.
Typical home value
$235,900 ▲39% above the county
$170,000
$423,800
$332,700
Typical monthly rent
$1,027 ▲9% above the county
$938
$1,621
$1,413
Typical yearly household income
$109,761 ▲47% above the county
$74,506
$85,974
$80,734
Households that own their home
93% ▲13 points above the county
80%
54%
65%
Typical yearly property tax
$6,384 ▲50% above the county
$4,250
$6,582
$3,119
Effective property tax rate
2.71% ▲0.21 points above the county
2.5%
1.55%
0.94%
Renters with high rent for their income
88% ▲44 points above the county
45%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Wayne 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 Gananda
For a typical $235,900 home in Gananda, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gananda's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,304a month
Least cash to close
Down payment
$8,257
Cash to close
$15,334
Rate
7.18%
Mortgage insurance
FHA MIP · $104
Conventional, 5% down$2,261a month
Down payment
$11,795
Cash to close
$18,872
Rate
7.18%
Mortgage insurance
PMI · $112
Conventional, 20% down, no PMI$1,909a month
Down payment
$47,180
Cash to close
$54,257
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,128a month
Down payment
$35,385
Cash to close
$42,462
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Gananda
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,304
$8,257
$231,627
7.18%
FHA MIP · $104
$15,334
580
Conventional, 5% down
$2,261
$11,795
$224,105
7.18%
PMI · $112
$18,872
620*
Conventional, 20% down, no PMI
$1,909
$47,180
$188,720
7.18%
None
$54,257
620*
ITIN, 15% down (example)
$2,128
$35,385
$200,515
8.18%
None
$42,462
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 Gananda is $1,027 a month: 9% above the county. In Gananda, 88% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Wayne 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 Wayne 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 Gananda
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gananda has 2 ZIP codes with their own.
For 2 bedrooms it is $1,420 in all of them.
2 of the 2 are above the fair market rent for Wayne County ($1,416).
Fair market rent by ZIP code and size in Gananda, fiscal year 2027.
14502
$1,010
$1,140
$1,420
$1,710
$1,880
14568
$1,010
$1,140
$1,420
$1,710
$1,880
ZIP code2 bd3 bd
14502 $1,420$1,710
14568 $1,420$1,710
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Gananda 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.
We found no HUD-approved agencies with an office in Wayne County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Gananda or Wayne County. The ones below are statewide in New York: they work in Gananda 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 Gananda or Wayne 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 Gananda and all of Wayne 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 Gananda?
The typical home value in Gananda is $235,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Wayne County it is $170,000.
How much does it cost to rent in Gananda?
Typical rent in Gananda is $1,027 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Wayne County is $1,416.
What is the FHA loan limit in Gananda?
Gananda uses the FHA limit for all of Wayne 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 Gananda?
The typical homeowner in Gananda pays $6,384 a year, according to the U.S. Census Bureau. That is 2.71% of the home’s value; in Wayne County, the rate is 2.5%.
Where can I find free help to buy or rent in Gananda?
We found no HUD-approved counseling agencies with an office in Wayne County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
