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City · 7,701 residents · Livingston County, New York

Geneseo , New York

In Geneseo, a typical home is worth $226,200 and typical rent is $971 a month. Compared with all of Livingston County, typical household income is 37% lower, the typical home value is 30% higher, and the share of households that own their home is 34 points lower.

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  • Typical home value

    $226,200

    30% above the county

    47% below New York

    • Geneseo
    • Livingston
    • New York

  • Typical rent

    $971a month

    4% above the county

    40% below New York

    • Geneseo
    • Livingston
    • New York

  • Typical household income

    $46,589a year

    37% below the county

    46% below New York

    • Geneseo
    • Livingston
    • New York

  • Households that own their home

    43%

    34 points below the county

    12 points below New York

    • Geneseo
    • Livingston
    • New York

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

Market now, with Zillow data

Zillow data
Typical rent
$2,719 a month

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

Geneseo is in Livingston 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 Livingston County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Geneseo apart

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

  1. 43% of households in Geneseo own their home, against 76% in Livingston County.

  2. Geneseo has the 9th lowest typical household income of the 350 cities in New York with more than 5,000 people ($46,589).

  3. Nearby, in East Rochester, the typical home value is $143,500: 37% less than in Geneseo ($226,200).

  4. The typical home in Geneseo is worth $226,200, 30% more than in Livingston County as a whole ($174,600).

  5. Geneseo has the 22nd largest share of rent-burdened renters of the 300 cities in New York with more than 5,000 people (74%).

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

The homes here

Housing in Geneseo

What homes there are in Geneseo, 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

Homes in Geneseo are varied: detached houses are the largest group, at 46%, against 71% in Livingston County.

Year built

Here half of the homes date from 1974 or later; in Livingston County, from 1970 or later.

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

With a mortgage

$1,766 a month

Livingston County: $1,563 a month

Without a mortgage

$734 a month

Livingston County: $670 a month

Owners with a mortgage

67%

Livingston County: 56%

The typical cost for an owner with a mortgage in Geneseo is $1,766 a month, more than in Livingston County ($1,563); without one, $734.

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 Geneseo gained value faster than in Livingston County: 42% against 35%.

Since 2015–2019, the typical rent in Geneseo did not change clearly, according to the Census.

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

MeasureGeneseoLivingston CountyNew YorkUnited States
Rental vacancy Unreliable estimateUnreliable estimate3.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate0.7%5.3%3.4%
People per household 2.262.312.492.53
Drive alone 65%76%49%69%
Carpool Unreliable estimate8%6%9%
Public transit Unreliable estimate1%22%3%
Walk or bike 17%6%6%3%
Work from home 10%9%15%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Livingston County, a household in Geneseo has 2.26 people on average.

More people walk or bike to work in Geneseo: 17%, against 6% in Livingston County.

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 Geneseo?

A typical home costs more than the typical income allows

We start with a typical home in Geneseo, worth $226,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 57% of the typical household income in Geneseo, which is $46,589 a year. For that payment to be 28% of income, a household would need to earn about $94,218 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Geneseo. 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 $7,917 (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

$2,198

at 7.18% · 30 years

Loan amount
$222,103
Total interest
$319,554
Paid off in
November 2056

Includes $3,820 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,087 a month

  • Tight

    $1,087 to $1,398 a month

  • Hard

    more than $1,398 a month

    Your payment · 57%

Compared with the typical household income in Geneseo ($46,589 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,198
Principal & interest$1,505
Property tax$500
Home insurance$94
FHA mortgage insurance (MIP)$100

You need at least $7,917 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

Geneseo and Livingston County

Geneseo is in Livingston 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).

Geneseo's own numbers

Typical home value
$226,200
Typical monthly rent
$971
Typical yearly household income
$46,589
Households that own their home
43%
Effective property tax rate
2.65%

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

Numbers for all of Livingston 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)
+60%

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 Livingston County.

Everything about Livingston County

Buying

Buying a home in Geneseo

A typical home in Geneseo is worth $226,200: 30% above the county and 47% below New York. With the typical household income in Geneseo ($46,589 a year), a typical home costs 4.9 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.

  • Geneseo 4.9 years
  • Livingston 2.4 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Livingston County

According to FHFA’s house price index, home prices in Livingston County rose 93% in the 10 years through 2025.

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

Period County New York U.S.
Last year (2025) +10.8% +6.0% +2.9%
5 years (2020–2025) +60% +52% +47%
10 years (2015–2025) +93% +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

Geneseo next to Livingston 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
  • Geneseo $226,200
  • Livingston $174,600
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Geneseo $971
  • Livingston $931
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Geneseo $46,589
  • Livingston $74,001
  • New York $85,974
  • United States $80,734
See the full table
Geneseo next to Livingston County and New York
Measure Geneseo Livingston County New York U.S.
Typical home value $226,200 $174,600 $423,800 $332,700
Typical monthly rent $971 $931 $1,621 $1,413
Typical yearly household income $46,589 $74,001 $85,974 $80,734
Households that own their home 43% 76% 54% 65%
Typical yearly property tax $5,985 $4,286 $6,582 $3,119
Effective property tax rate 2.65% 2.45% 1.55% 0.94%
Renters with high rent for their income 74% 56% 52% 51%

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

For a typical $226,200 home in Geneseo, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Geneseo's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,198a month

    Least cash to close
    Down payment
    $7,917
    Cash to close
    $14,703
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $100

  • Conventional, 5% down $2,157a month

    Down payment
    $11,310
    Cash to close
    $18,096
    Rate
    7.18%
    Mortgage insurance
    PMI · $107

  • Conventional, 20% down, no PMI $1,820a month

    Down payment
    $45,240
    Cash to close
    $52,026
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,029a month

    Down payment
    $33,930
    Cash to close
    $40,716
    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 Geneseo and for Livingston County.

Property tax

Effective rate in Geneseo

2.65%of the home’s value each year

$5,985 a year for the typical owner in Geneseo.

  • Geneseo 2.65%
  • Livingston 2.45%
  • 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 Livingston County

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

FEMA’s maps count no homes in the high-risk zone in Livingston 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 Geneseo

Typical rent in Geneseo is $971 a month: 4% above the county. In Geneseo, 74% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Livingston 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 Livingston 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 Geneseo

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Geneseo is in ZIP code 14454.

For 2 bedrooms it is $1,460: $44 more than the fair market rent for Livingston County ($1,416).

  • 14454 $1,460$1,760

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

HUD lists 6 buildings with rents for lower incomes in Geneseo. These are the largest.

  • Geneseo Highlands Apartme 95 Meadow Dr, Geneseo 14454 89 low-income homes · 2 bd: 11 · 3 bd: 78 · In service since 2011 · For families (585) 243-0405
  • Skybird Landing BLDG A Mustang Circle, Geneseo 14454 60 low-income homes · 1 bd: 55 · 2 bd: 5 · In service since 2018 · For people experiencing homelessness
  • Upper South Street Senior Housing 600 Country Ln, Geneseo 14454 46 homes, 45 low-income · For older adults (585) 243-1664
  • Fox Run Apts 56 Megan DR, Geneseo 14454 32 low-income homes · 1 bd: 32 · In service since 1998 · For older adults
  • April Meadows 600 April Way, Geneseo 14454 24 low-income homes · 3 bd: 24 · In service since 2000 · For people with disabilities, families, people experiencing homelessness

See all 17 buildings in Livingston County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Geneseo

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 Livingston County. The nearest ones are below; many serve by phone or online.

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 Geneseo

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

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

Housing counselors near Geneseo

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

  • Pathstone Corporation- Batavia, NY

    30 Jefferson Ave, Batavia · 24 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (585) 343-2188

  • Bishop Sheen Ecumenical Housing Foundation

    6605 Pittsford Palmyra Rd Ste E5, Fairport · 26 miles away

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

  • Pathstone Corporation- New York

    400 East Avenue, Rochester · 27 miles away · Spanish

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

All counseling agencies in New York

Help in Spanish near Geneseo

1 of the 3 agencies on this list says it serves 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 Geneseo

HUD lists no housing authority with an office in Livingston County. One in a neighboring county or the state’s may serve the area.

All housing agencies in New York Source: HUD

Cities

Nearby cities

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

Everything about Livingston County Housing in New York

Neighboring counties

If Livingston 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 Geneseo.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Geneseo

Short answers with the numbers for Geneseo and all of Livingston 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 Geneseo?

The typical home value in Geneseo is $226,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Livingston County it is $174,600.

How much does it cost to rent in Geneseo?

Typical rent in Geneseo is $971 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Livingston County is $1,416.

What is the FHA loan limit in Geneseo?

Geneseo uses the FHA limit for all of Livingston 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 Geneseo?

The typical homeowner in Geneseo pays $5,985 a year, according to the U.S. Census Bureau. That is 2.65% of the home’s value; in Livingston County, the rate is 2.45%.

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

We found no HUD-approved counseling agencies with an office in Livingston County; the nearest ones are on this page. 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).