In Irondequoit, a typical home is worth $182,500 and typical rent is $1,159 a month. Compared with all of Monroe County, the typical home value is 15% lower and the share of households that own their home is 15 points higher.
Irondequoit 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
79% of households in Irondequoit own their home, against 64% in Monroe County.
2
Nearby, in Rochester, the typical home value is $139,600: 24% less than in Irondequoit ($182,500).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Irondequoit
What homes there are in Irondequoit, 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
Irondequoit
Monroe County
New York
United States
Kind of home: Irondequoit and its comparisons
Measure
Irondequoit
Monroe County
New York
United States
Detached house
80%
62%
41%
61%
Attached house
2%
6%
6%
6%
Building of 2 to 4
6%
13%
17%
8%
Apartments (5 or more)
12%
18%
35%
19%
Mobile home
Unreliable estimate
1%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Irondequoit, 8 in 10 homes are single-family detached houses; in Monroe County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or later
Irondequoit
Monroe County
New York
United States
Year built: Irondequoit and its comparisons
Measure
Irondequoit
Monroe County
New York
United States
Before 1960
65%
43%
52%
26%
1960–1979
21%
26%
22%
24%
1980–1999
9%
18%
14%
25%
2000–2009
3%
7%
6%
14%
2010 or later
2%
6%
6%
11%
In Irondequoit, half of the homes were built before 1955; in Monroe County, before 1965.
Homes in Irondequoit are bigger: 67% have 3 bedrooms or more; in Monroe County, 61%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K5%
$100K–$200K58%
$200K–$300K27%
$300K–$500K8%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or more1%
Value of owner-occupied homes: Irondequoit and its comparisons
Measure
Irondequoit
Under $100K
5%
$100K–$200K
58%
$200K–$300K
27%
$300K–$500K
8%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
1%
The FHA limit for Monroe County is high ($541,287): at least 98% of owner-occupied homes in Irondequoit are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50012%
$500–$99917%
$1,000–$1,49953%
HUD fair market rent, 2 bedrooms: $1,416
$1,500–$1,99914%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Irondequoit and its comparisons
Measure
Irondequoit
Under $500
12%
$500–$999
17%
$1,000–$1,499
53%
$1,500–$1,999
14%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
By rent, most homes in Irondequoit cost less than HUD's 2-bedroom fair market rent ($1,416): about 73%.
With a mortgage
$1,642 a month
Monroe County: $1,676 a month
Without a mortgage
$737 a month
Monroe County: $766 a month
Owners with a mortgage
63%
Monroe County: 62%
The typical cost for an owner with a mortgage in Irondequoit is $1,642 a month, near the figure in Monroe County ($1,676).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Irondequoit+47%
Monroe County+44%
New York+35%
United States+53%
Typical rent
Irondequoit+28%
Monroe County+27%
New York+27%
United States+33%
Typical household income
Irondequoit+27%
Monroe County+27%
New York+26%
United States+29%
Change since 2015–2019: Irondequoit and its comparisons
Measure
Irondequoit
Monroe County
New York
United States
Typical home value
+47%
+44%
+35%
+53%
Typical rent
+28%
+27%
+27%
+33%
Typical household income
+27%
+27%
+26%
+29%
Since 2015–2019, homes in Irondequoit gained value faster than in Monroe County: 47% against 44%.
Much as in Monroe County, the typical rent in Irondequoit rose 28% since 2015–2019.
While home values in Irondequoit changed +47% and rent +28%, the typical household income rose 27%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Irondequoit and its comparisons
Measure
Irondequoit
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
2.22
2.28
2.49
2.53
Drive alone
76%
71%
49%
69%
Carpool
6%
8%
6%
9%
Public transit
Unreliable estimate
2%
22%
3%
Walk or bike
2%
3%
6%
3%
Work from home
15%
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
A household in Irondequoit has 2.22 people on average, about the same as in Monroe County (2.28).
To get to work, 76% of workers in Irondequoit drive alone; in Monroe County, 71%.
Do the math
What would you pay each month for a home in Irondequoit?
A typical home is tight for the typical income
We start with a typical home in Irondequoit, worth $182,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Irondequoit, which is $79,162 a year. For that payment to be 28% of income, a household would need to earn about $79,340 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 Irondequoit. 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 $6,388 (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
$1,851
at 7.18% · 30 years
Loan amount
$179,194
Total interest
$257,818
Paid off in
November 2056
Includes $3,082 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,847 a month
Tight
$1,847 to $2,375 a month
Your payment · 28%
Hard
more than $2,375 a month
Compared with the typical household income in Irondequoit ($79,162 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,214
Property tax
$481
Home insurance
$76
FHA mortgage insurance (MIP)
$81
You need at least $6,388 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 $1,851; principal and interest $1,214.
The city and its county
Irondequoit and Monroe County
Irondequoit 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).
Irondequoit
Map of Monroe County, New York, with Irondequoit marked. Around it, the neighboring counties.
Irondequoit
Monroe County
Other cities with a page
Irondequoit's own numbers
Typical home value
$182,500
Typical monthly rent
$1,159
Typical yearly household income
$79,162
Households that own their home
79%
Effective property tax rate
3.16%
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 Irondequoit is worth $182,500: 15% below the county and 57% below New York. With the typical household income in Irondequoit ($79,162 a year), a typical home costs 2.3 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.
Irondequoit2.3 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
Irondequoit 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
Irondequoit$182,500
Monroe$213,700
New York$423,800
United States$332,700
Typical monthly rent
Irondequoit$1,159
Monroe$1,173
New York$1,621
United States$1,413
Typical yearly household income
Irondequoit$79,162
Monroe$76,382
New York$85,974
United States$80,734
See the full table
Irondequoit next to Monroe County and New York
Measure
Irondequoit
Monroe County
New York
U.S.
Typical home value
$182,500 ▼15% below the county
$213,700
$423,800
$332,700
Typical monthly rent
$1,159
$1,173
$1,621
$1,413
Typical yearly household income
$79,162 ▲4% above the county
$76,382
$85,974
$80,734
Households that own their home
79% ▲15 points above the county
64%
54%
65%
Typical yearly property tax
$5,774 ▲3% above the county
$5,616
$6,582
$3,119
Effective property tax rate
3.16% ▲0.53 points above the county
2.63%
1.55%
0.94%
Renters with high rent for their income
58% ▲6 points above 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 Irondequoit
For a typical $182,500 home in Irondequoit, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Irondequoit's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,851a month
Least cash to close
Down payment
$6,388
Cash to close
$11,863
Rate
7.18%
Mortgage insurance
FHA MIP · $81
Conventional, 5% down$1,818a month
Down payment
$9,125
Cash to close
$14,600
Rate
7.18%
Mortgage insurance
PMI · $87
Conventional, 20% down, no PMI$1,546a month
Down payment
$36,500
Cash to close
$41,975
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,714a month
Down payment
$27,375
Cash to close
$32,850
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Irondequoit
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,851
$6,388
$179,194
7.18%
FHA MIP · $81
$11,863
580
Conventional, 5% down
$1,818
$9,125
$173,375
7.18%
PMI · $87
$14,600
620*
Conventional, 20% down, no PMI
$1,546
$36,500
$146,000
7.18%
None
$41,975
620*
ITIN, 15% down (example)
$1,714
$27,375
$155,125
8.18%
None
$32,850
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 Irondequoit is $1,159 a month: about the same as the county. In Irondequoit, 58% 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 Irondequoit
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Irondequoit has 3 ZIP codes with their own.
For 2 bedrooms it runs from $1,420 in 14609 to $1,480 in 14617.
3 of the 3 are above the fair market rent for Monroe County ($1,416).
2-bedroom fair market rent in each of the 3 ZIP codes of Irondequoit, beside the one for Monroe County. For 2 bedrooms it runs from $1,420 in 14609 to $1,480 in 14617. 3 of the 3 are above the fair market rent for Monroe County ($1,416).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,416
Lowest: $1,420 (14609)Highest: $1,480 (14617)
Fair market rent by ZIP code and size in Irondequoit, fiscal year 2027.
14609
$1,010
$1,140
$1,420
$1,710
$1,880
14617
$1,050
$1,170
$1,480
$1,780
$1,950
14622
$1,010
$1,140
$1,420
$1,710
$1,880
ZIP code2 bd3 bd
14609 $1,420$1,710
14617 $1,480$1,780
14622 $1,420$1,710
3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Irondequoit 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 5 buildings with rents for lower incomes in Irondequoit. These are the largest.
Sycamore Green Apts17 Strathmore Cir, Irondequoit 14609195 low-income homes · 1 bd: 40 · 2 bd: 155 · In service since 2008 · For families
Durand Senior Apartments4225 Culver Rd, Irondequoit 1462270 homes, 64 low-income · 1 bd: 65 · 2 bd: 5 · In service since 2018 · For older adults, people with disabilities
Hobie Creek Apts111 Brower Rd, Irondequoit 1462264 low-income homes · 1 bd: 64 · In service since 2003 · For older adults
ST Salome Apts4260 Culver Rd, Irondequoit 1462245 low-income homes · 1 bd: 33 · 2 bd: 12 · In service since 2009 · For older adults
Portland Avenue2210 Portland Ave, Irondequoit 146176 low-income homes · Studio: 6 · In service since 2008 · 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 Irondequoit or Monroe County. The ones below are statewide in New York: they work in Irondequoit 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 Irondequoit 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 Irondequoit 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 Irondequoit?
The typical home value in Irondequoit is $182,500, 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 Irondequoit?
Typical rent in Irondequoit is $1,159 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 Irondequoit?
Irondequoit 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 Irondequoit?
The typical homeowner in Irondequoit pays $5,774 a year, according to the U.S. Census Bureau. That is 3.16% of the home’s value; in Monroe County, the rate is 2.63%.
Where can I find free help to buy or rent in Irondequoit?
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.
