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City · 12,512 residents · Ontario County, New York

Geneva , New York

In Geneva, a typical home is worth $165,500 and typical rent is $972 a month. Compared with all of Ontario County, the typical home value is 26% lower, typical rent is 15% lower, and the share of households that own their home is 22 points lower.

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  • Typical home value

    $165,500

    26% below the county

    61% below New York

    • Geneva
    • Ontario
    • New York

  • Typical rent

    $972a month

    15% below the county

    40% below New York

    • Geneva
    • Ontario
    • New York

  • Typical household income

    $79,435a year

    4% below the county

    8% below New York

    • Geneva
    • Ontario
    • New York

  • Households that own their home

    52%

    22 points below the county

    3 points below New York

    • Geneva
    • Ontario
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$225,453
4.4% more than 12 months ago
Typical rent
$1,483 a month

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

Geneva 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 Geneva apart

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

  1. 52% of households in Geneva own their home, against 74% in Ontario County.

  2. Nearby, in Seneca Falls, the typical home value is $123,700: 25% less than in Geneva ($165,500).

  3. The typical home in Geneva is worth $165,500, 26% less than in Ontario County as a whole ($222,900).

  4. The typical rent in Geneva is $972 a month, 15% less than in Ontario County as a whole ($1,150).

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

The homes here

Housing in Geneva

What homes there are in Geneva, 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 Geneva, 5 in 10 homes are single-family detached houses; in Ontario County, 7.

Year built

Old homes abound here: at least half date from before 1940, and 77% were built before 1960.

There are fewer big homes in Geneva than in Ontario County: 51% have 3 bedrooms or more, against 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

With an FHA limit of $541,287, at least 97% of owner-occupied homes in Geneva sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,421 a month

Ontario County: $1,685 a month

Without a mortgage

$698 a month

Ontario County: $721 a month

Owners with a mortgage

55%

Ontario County: 57%

The typical cost for an owner with a mortgage in Geneva is $1,421 a month, less than in Ontario County ($1,685); without one, $698.

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 Geneva gained value faster than in Ontario County: 72% against 38%.

The typical rent in Geneva rose 21% over the same time; in Ontario County, it rose 28%.

The typical household income in Geneva rose 80%: more than home values (+72%) and rent (+21%).

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

MeasureGenevaOntario 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 2.092.242.492.53
Drive alone 69%75%49%69%
Carpool 10%7%6%9%
Public transit Unreliable estimateUnreliable estimate22%3%
Walk or bike 11%3%6%3%
Work from home 9%14%15%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Geneva has 2.09 people, fewer than in Ontario County (2.24).

In Geneva, 11% of workers walk or bike to work; in Ontario County, 3%.

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 Geneva?

A typical home is within reach of the typical income

We start with a typical home in Geneva, worth $165,500, 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 Geneva, which is $79,435 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 Geneva. 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 $5,793 (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

$1,600

at 7.18% · 30 years

Loan amount
$162,502
Total interest
$233,802
Paid off in
November 2056

Includes $2,795 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,853 a month

    Your payment · 24%

  • Tight

    $1,853 to $2,383 a month

  • Hard

    more than $2,383 a month

Compared with the typical household income in Geneva ($79,435 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,600
Principal & interest$1,101
Property tax$357
Home insurance$69
FHA mortgage insurance (MIP)$73

You need at least $5,793 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

Geneva and Ontario County

Geneva 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).

Geneva's own numbers

Typical home value
$165,500
Typical monthly rent
$972
Typical yearly household income
$79,435
Households that own their home
52%
Effective property tax rate
2.59%

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 Geneva

A typical home in Geneva is worth $165,500: 26% below the county and 61% below New York. With the typical household income in Geneva ($79,435 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.

  • Geneva 2.1 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

Geneva 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
  • Geneva $165,500
  • Ontario $222,900
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Geneva $972
  • Ontario $1,150
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Geneva $79,435
  • Ontario $82,324
  • New York $85,974
  • United States $80,734
See the full table
Geneva next to Ontario County and New York
Measure Geneva Ontario County New York U.S.
Typical home value $165,500 $222,900 $423,800 $332,700
Typical monthly rent $972 $1,150 $1,621 $1,413
Typical yearly household income $79,435 $82,324 $85,974 $80,734
Households that own their home 52% 74% 54% 65%
Typical yearly property tax $4,294 $4,565 $6,582 $3,119
Effective property tax rate 2.59% 2.05% 1.55% 0.94%
Renters with high rent for their income 42% 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 Geneva

For a typical $165,500 home in Geneva, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Geneva's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,600a month

    Least cash to close
    Down payment
    $5,793
    Cash to close
    $10,758
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $73

  • Conventional, 5% down $1,570a month

    Down payment
    $8,275
    Cash to close
    $13,240
    Rate
    7.18%
    Mortgage insurance
    PMI · $79

  • Conventional, 20% down, no PMI $1,323a month

    Down payment
    $33,100
    Cash to close
    $38,065
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,476a month

    Down payment
    $24,825
    Cash to close
    $29,790
    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 Geneva and for Ontario County.

Property tax

Effective rate in Geneva

2.59%of the home’s value each year

$4,294 a year for the typical owner in Geneva.

  • Geneva 2.59%
  • 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 Geneva

Typical rent in Geneva is $972 a month: 15% below the county. In Geneva, 42% 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 Geneva

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Geneva is in ZIP code 14456.

For 2 bedrooms it is $1,420: $4 more than the fair market rent for Ontario County ($1,416).

  • 14456 $1,420$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 Geneva 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 Geneva

HUD lists 16 buildings with rents for lower incomes in Geneva. These are the largest.

  • Geneva Apartments Various, Geneva 14456 215 low-income homes · 1 bd: 103 · 2 bd: 41 · 3 bd: 58 · 4 bd: 13 · In service since 2020 · For families
  • Courtyard Apartments 10 Goodman St, Geneva 14456 124 low-income homes · For families (315) 789-3245
  • Townside at Pre-Emption 100 Genesis Way, Geneva 14456 88 low-income homes · In service since 2019
  • Elmcrest 99 Lewis St, Geneva 14456 75 low-income homes · For older adults (315) 789-3245
  • North Street Apartments 260 W North St, Geneva 14456 50 low-income homes · For older adults (315) 789-0902

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

Free help

Help to buy or rent in Geneva

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 leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Geneva

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

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

Housing counselors near Geneva

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

  • Keuka Housing Council

    160 Main St, Penn Yan · 14 miles away

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

  • Pathstone Corporation- Canandaigua, NY

    5297 Parkside Dr Ste 410, Canandaigua · 16 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 · 27 miles away

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

Every agency in Ontario County All counseling agencies in New York

Help in Spanish near Geneva

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 Geneva

HUD’s record names them for Geneva or Ontario County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Geneva Housing Authority Public housing and Section 8 vouchers (315) 789-8010

All housing agencies in New York 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 Geneva, 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 Geneva.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Geneva

Short answers with the numbers for Geneva 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 Geneva?

The typical home value in Geneva is $165,500, 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 Geneva?

Typical rent in Geneva is $972 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 Geneva?

Geneva 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 Geneva?

The typical homeowner in Geneva pays $4,294 a year, according to the U.S. Census Bureau. That is 2.59% of the home’s value; in Ontario County, the rate is 2.05%.

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

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).