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City · 31,795 residents · Oneida County, New York

Rome , New York

In Rome, a typical home is worth $154,400 and typical rent is $909 a month. Compared with all of Oneida County, the typical home value is 15% lower, typical household income is 15% lower, and the share of households that own their home is 11 points lower.

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  • Typical home value

    $154,400

    15% below the county

    64% below New York

    • Rome
    • Oneida
    • New York

  • Typical rent

    $909a month

    4% below the county

    44% below New York

    • Rome
    • Oneida
    • New York

  • Typical household income

    $59,925a year

    15% below the county

    30% below New York

    • Rome
    • Oneida
    • New York

  • Households that own their home

    57%

    11 points below the county

    2 points above New York

    • Rome
    • Oneida
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$213,310
5.6% more than 12 months ago
Typical rent
$1,347 a month
12.3% more than 12 months ago

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

Rome is in Oneida 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 Oneida County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Rome apart

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

  1. Nearby, in Ilion, the typical home value is $108,700: 30% less than in Rome ($154,400).

  2. Nearby, in Ilion, the typical rent is $694: 24% less than in Rome ($909).

  3. 57% of households in Rome own their home, against 68% in Oneida County.

  4. The typical home in Rome is worth $154,400, 15% less than in Oneida County as a whole ($182,600).

  5. Rome has the 31st lowest typical rent of the 333 cities in New York with more than 5,000 people ($909).

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

The homes here

Housing in Rome

What homes there are in Rome, 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

The detached house is still the most common home in Rome, but it weighs less than in Oneida County: 56% against 63%.

Year built

The typical year built in Rome is 1955, about the same as in Oneida County (1958).

In Rome, 18% of homes have 1 bedroom or none (studios); 54% have 3 bedrooms or more, against 64% in Oneida 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

With an FHA limit of $541,287, at least 96% of owner-occupied homes in Rome sit below it: they are worth less than $500,000.

Monthly rent with utilities

About 74% of rented homes in Rome cost less than HUD's 2-bedroom fair market rent for Oneida County ($1,210).

With a mortgage

$1,431 a month

Oneida County: $1,527 a month

Without a mortgage

$701 a month

Oneida County: $636 a month

Owners with a mortgage

51%

Oneida County: 51%

In Rome, 51% of owners have a mortgage, and their typical cost is $1,431 a month, against $1,527 in Oneida County. Without one it drops to $701.

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

From 2015–2019 to 2020–2024, the typical home value in Rome rose 57%; in Oneida County, it rose 43%.

Since 2015–2019, the typical rent in Rome rose 20%, less than in Oneida County (23%).

While home values in Rome changed +57% and rent +20%, the typical household income rose 25%.

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

MeasureRomeOneida CountyNew YorkUnited States
Rental vacancy Unreliable estimate4.4%3.8%5.5%
Homeowner vacancy Unreliable estimate1.0%1.1%0.9%
More than one person per room Unreliable estimate2.2%5.3%3.4%
People per household 2.132.282.492.53
Drive alone 72%74%49%69%
Carpool 10%9%6%9%
Public transit Unreliable estimate1%22%3%
Walk or bike 4%3%6%3%
Work from home 13%11%15%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.13 on average, against 2.28 in Oneida County.

To get to work, 72% of workers in Rome drive alone; in Oneida County, 74%.

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 Rome?

A typical home is tight for the typical income

We start with a typical home in Rome, worth $154,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Rome, which is $59,925 a year. For that payment to be 28% of income, a household would need to earn about $64,753 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Rome. 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 $5,404 (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

$1,511

at 7.18% · 30 years

Loan amount
$151,603
Total interest
$218,122
Paid off in
November 2056

Includes $2,607 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,398 a month

  • Tight

    $1,398 to $1,798 a month

    Your payment · 30%

  • Hard

    more than $1,798 a month

Compared with the typical household income in Rome ($59,925 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,511
Principal & interest$1,027
Property tax$351
Home insurance$64
FHA mortgage insurance (MIP)$68

You need at least $5,404 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

Rome and Oneida County

Rome is in Oneida 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).

Rome's own numbers

Typical home value
$154,400
Typical monthly rent
$909
Typical yearly household income
$59,925
Households that own their home
57%
Effective property tax rate
2.73%

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

Numbers for all of Oneida County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,210
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
1.8%

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 Oneida County.

Everything about Oneida County

Buying

Buying a home in Rome

A typical home in Rome is worth $154,400: 15% below the county and 64% below New York. With the typical household income in Rome ($59,925 a year), a typical home costs 2.6 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.

  • Rome 2.6 years
  • Oneida 2.6 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Oneida County

According to FHFA’s house price index, home prices in Oneida County rose 92% in the 10 years through 2025.

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

Period County New York U.S.
Last year (2025) +6.3% +6.0% +2.9%
5 years (2020–2025) +56% +52% +47%
10 years (2015–2025) +92% +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

Rome next to Oneida 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
  • Rome $154,400
  • Oneida $182,600
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Rome $909
  • Oneida $944
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Rome $59,925
  • Oneida $70,154
  • New York $85,974
  • United States $80,734
See the full table
Rome next to Oneida County and New York
Measure Rome Oneida County New York U.S.
Typical home value $154,400 $182,600 $423,800 $332,700
Typical monthly rent $909 $944 $1,621 $1,413
Typical yearly household income $59,925 $70,154 $85,974 $80,734
Households that own their home 57% 68% 54% 65%
Typical yearly property tax $4,212 $3,690 $6,582 $3,119
Effective property tax rate 2.73% 2.02% 1.55% 0.94%
Renters with high rent for their income 46% 46% 52% 51%

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

For a typical $154,400 home in Rome, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rome's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,511a month

    Least cash to close
    Down payment
    $5,404
    Cash to close
    $10,036
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $68

  • Conventional, 5% down $1,483a month

    Down payment
    $7,720
    Cash to close
    $12,352
    Rate
    7.18%
    Mortgage insurance
    PMI · $73

  • Conventional, 20% down, no PMI $1,252a month

    Down payment
    $30,880
    Cash to close
    $35,512
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,395a month

    Down payment
    $23,160
    Cash to close
    $27,792
    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 Rome and for Oneida County.

Property tax

Effective rate in Rome

2.73%of the home’s value each year

$4,212 a year for the typical owner in Rome.

  • Rome 2.73%
  • Oneida 2.02%
  • 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 Oneida County

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

Homes in the high-risk zone
1.8%
1,511
Of those, with NFIP insurance
20%
County New York U.S.
Homes in the high-risk zone 1.8% 2% 3.5%
Of those, with NFIP insurance 20% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Rome

Typical rent in Rome is $909 a month: 4% below the county. In Rome, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Oneida County, by unit size. To pay the 2-bedroom one ($1,210 a month) without spending more than 30% of your income, you would need to earn $23.27 an hour working full time.

HUD fair market rent for all of Oneida 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 $857 $16.48 $34,280
1 bedroom $946 $18.19 $37,840
2 bedrooms $1,210 $23.27 $48,400
3 bedrooms $1,442 $27.73 $57,680
4 bedrooms $1,636 $31.46 $65,440

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 Rome

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rome has 2 ZIP codes with their own.

For 2 bedrooms it is $1,250 in all of them.

2 of the 2 are above the fair market rent for Oneida County ($1,210).

  • 13440 $1,250$1,490
  • 13441 $1,250$1,490

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

HUD lists 11 buildings with rents for lower incomes in Rome. These are the largest.

  • Park Drive Manor II 430 W Park St, Rome 13440 168 homes, 167 low-income · For families (315) 337-1401
  • Madison Plaza 100 N Madison St, Rome 13440 127 homes, 120 low-income · Studio: 29 · 1 bd: 48 · 2 bd: 50 · In service since 2009
  • Valentine Apts. 152 Turin St, Rome 13440 99 low-income homes · Run by Rome Housing Authority · Average payment: $403 a month · Average wait: 5 months (315) 337-2600
  • Colonial Apartments 1 Revitalization 203 Saint Peters Ave, Rome 13440 83 low-income homes · Studio: 11 · 1 bd: 72 · In service since 2019
  • Georgian Arms Apartments 119 N George St, Rome 13440 81 homes, 80 low-income · For older adults (315) 337-1401

See all 58 buildings in Oneida County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Rome

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 Oneida County; 1 says it serves in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Rome

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

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

Housing counselors near Rome

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

  • Unhs Neighborworks Homeownership Center

    1611 Genesee St, Utica · 15 miles away · Spanish

    Also serves in Arabic, American Sign Language (ASL), Cambodian, Cantonese, and 19 more languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (315) 724-4197

  • Syracuse Cooperative Federal Credit Union

    1816 Erie Blvd E, Syracuse · 34 miles away · Spanish

    Also serves in Swahili.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (315) 476-5290

  • Home Headquarters, Inc.

    625 Erie Blvd W, Syracuse · 36 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (315) 474-1939

Every agency in Oneida County All counseling agencies in New York

Help in Spanish near Rome

3 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 Rome

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

  • Rome Housing Authority Public housing and Section 8 vouchers (315) 337-2600

4 other authorities have an office in Oneida County: see the list Source: HUD

Cities

Other cities in Oneida County

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

Everything about Oneida County Housing in New York

Nearby cities

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

Neighboring counties

If Oneida 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 Rome.

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

Questions

Housing questions about Rome

Short answers with the numbers for Rome and all of Oneida 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 Rome?

The typical home value in Rome is $154,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Oneida County it is $182,600.

How much does it cost to rent in Rome?

Typical rent in Rome is $909 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Oneida County is $1,210.

What is the FHA loan limit in Rome?

Rome uses the FHA limit for all of Oneida 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 Rome?

The typical homeowner in Rome pays $4,212 a year, according to the U.S. Census Bureau. That is 2.73% of the home’s value; in Oneida County, the rate is 2.02%.

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

There is 1 HUD-approved counseling agency with an office in Oneida County. 1 says it serves 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).