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City · 9,904 residents · Monroe County, New York

North Gates , New York

In North Gates, a typical home is worth $163,400 and typical rent is $1,137 a month. Compared with all of Monroe County, the typical home value is 24% lower and the share of households that own their home is 8 points lower.

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  • Typical home value

    $163,400

    24% below the county

    61% below New York

    • North Gates
    • Monroe
    • New York

  • Typical rent

    $1,137a month

    3% below the county

    30% below New York

    • North Gates
    • Monroe
    • New York

  • Typical household income

    $76,277a year

    About the same as the county

    11% below New York

    • North Gates
    • Monroe
    • New York

  • Households that own their home

    56%

    8 points below the county

    2 points above New York

    • North Gates
    • Monroe
    • New York

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

North Gates 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

Data updated: October 1, 2026 11 official sources

Only here

What sets North Gates apart

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

  1. The typical home in North Gates is worth $163,400, 24% less than in Monroe County as a whole ($213,700).

  2. 56% of households in North Gates own their home, against 64% in Monroe County.

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

The homes here

Housing in North Gates

What homes there are in North Gates, 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 houses are the majority in North Gates (58%), but less so than in Monroe County (62%).

Year built

The typical home in North Gates was built in 1970, 5 years after the typical one in Monroe County.

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

$1,466 a month

Monroe County: $1,676 a month

Without a mortgage

$676 a month

Monroe County: $766 a month

Owners with a mortgage

63%

Monroe County: 62%

Owning costs less in North Gates: with a mortgage, the typical cost is $1,466 a month; in Monroe County, $1,676. Without one, $676.

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

The typical home value in North Gates rose 37% since 2015–2019, less than in Monroe County (44%).

Since 2015–2019, the typical rent in North Gates rose 37%, more than in Monroe County (27%).

The typical household income in North Gates rose 55%: more than home values (+37%) and rent (+37%).

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

MeasureNorth GatesMonroe CountyNew YorkUnited States
Rental vacancy Unreliable estimate5.0%3.8%5.5%
Homeowner vacancy Unreliable estimate0.6%1.1%0.9%
More than one person per room Unreliable estimate1.4%5.3%3.4%
People per household 2.222.282.492.53
Drive alone 73%71%49%69%
Carpool 11%8%6%9%
Public transit Unreliable estimate2%22%3%
Walk or bike Unreliable estimate3%6%3%
Work from home 13%16%15%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

A household in North Gates has 2.22 people on average, about the same as in Monroe County (2.28).

More people carpool to work in North Gates than in Monroe County: 11% against 8%.

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 North Gates?

A typical home is within reach of the typical income

We start with a typical home in North Gates, worth $163,400, 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 North Gates, which is $76,277 a year.

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

Your numbers

Local data
$

Starts at the typical home value in North Gates. 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 $5,719 (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

$1,604

at 7.18% · 30 years

Loan amount
$160,440
Total interest
$230,836
Paid off in
November 2056

Includes $2,759 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,780 a month

    Your payment · 25%

  • Tight

    $1,780 to $2,288 a month

  • Hard

    more than $2,288 a month

Compared with the typical household income in North Gates ($76,277 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,604
Principal & interest$1,087
Property tax$377
Home insurance$68
FHA mortgage insurance (MIP)$72

You need at least $5,719 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

North Gates and Monroe County

North Gates 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).

North Gates's own numbers

Typical home value
$163,400
Typical monthly rent
$1,137
Typical yearly household income
$76,277
Households that own their home
56%
Effective property tax rate
2.77%

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.

Everything about Monroe County

Buying

Buying a home in North Gates

A typical home in North Gates is worth $163,400: 24% below the county and 61% below New York. With the typical household income in North Gates ($76,277 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.

  • North Gates 2.1 years
  • Monroe 2.8 years
  • New York 4.9 years
  • United States 4.1 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.

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

North Gates 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
  • North Gates $163,400
  • Monroe $213,700
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • North Gates $1,137
  • Monroe $1,173
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • North Gates $76,277
  • Monroe $76,382
  • New York $85,974
  • United States $80,734
See the full table
North Gates next to Monroe County and New York
Measure North Gates Monroe County New York U.S.
Typical home value $163,400 $213,700 $423,800 $332,700
Typical monthly rent $1,137 $1,173 $1,621 $1,413
Typical yearly household income $76,277 $76,382 $85,974 $80,734
Households that own their home 56% 64% 54% 65%
Typical yearly property tax $4,529 $5,616 $6,582 $3,119
Effective property tax rate 2.77% 2.63% 1.55% 0.94%
Renters with high rent for their income 43% 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 North Gates

For a typical $163,400 home in North Gates, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, North Gates's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,604a month

    Least cash to close
    Down payment
    $5,719
    Cash to close
    $10,621
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $72

  • Conventional, 5% down $1,574a month

    Down payment
    $8,170
    Cash to close
    $13,072
    Rate
    7.18%
    Mortgage insurance
    PMI · $78

  • Conventional, 20% down, no PMI $1,331a month

    Down payment
    $32,680
    Cash to close
    $37,582
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,482a month

    Down payment
    $24,510
    Cash to close
    $29,412
    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 North Gates and for Monroe County.

Property tax

Effective rate in North Gates

2.77%of the home’s value each year

$4,529 a year for the typical owner in North Gates.

  • North Gates 2.77%
  • Monroe 2.63%
  • 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 Monroe County

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

Homes in the high-risk zone
1%
2,341
Of those, with NFIP insurance
26%
County New York U.S.
Homes in the high-risk zone 1% 2% 3.5%
Of those, with NFIP insurance 26% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in North Gates

Typical rent in North Gates is $1,137 a month: 3% below the county. In North Gates, 43% 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.

HUD fair market rent for all of Monroe 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 North Gates

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). North Gates is in ZIP code 14606.

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

  • 14606 $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 North Gates 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?

Free help

Help to buy or rent in North Gates

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.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in North Gates

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

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

Housing counselors near North Gates

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

  • Urban League of Rochester DBA the Home Store

    265 N Clinton Ave, Rochester · 5 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (585) 325-6530

  • NSC (naca Counseling Subsidiary) - Rochester, NY

    550 E Main St, Rochester · 6 miles away · Spanish

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 5 more
    (703) 234-6222

  • Pathstone Corporation- New York

    400 East Avenue, Rochester · 6 miles away · Spanish

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

Every agency in Monroe County All counseling agencies in New York

Help in Spanish near North Gates

2 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 North Gates

In HUD’s record, no housing authority with an office in Monroe County is named for North Gates or Monroe County.

2 other authorities have an office in Monroe County: see the list Source: HUD

Cities

Other cities in Monroe County

These cities are also in Monroe County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Monroe County Housing in New York

Nearby cities

The cities closest to North Gates, with the typical home value.

Neighboring counties

If Monroe 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 North Gates.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about North Gates

Short answers with the numbers for North Gates 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 North Gates?

The typical home value in North Gates is $163,400, 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 North Gates?

Typical rent in North Gates is $1,137 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 North Gates?

North Gates 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 North Gates?

The typical homeowner in North Gates pays $4,529 a year, according to the U.S. Census Bureau. That is 2.77% of the home’s value; in Monroe County, the rate is 2.63%.

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

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.

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).