In Webster, a typical home is worth $218,400 and typical rent is $1,239 a month. Compared with all of Monroe County, typical household income is 8% lower, typical rent is 6% higher, and the share of households that own their home is 28 points lower.
Typical home value from Zillow, March 2024 to September 2026: from $348,383 to $394,078.
Typical rent
$1,795a month
▲ 0.6% more than 12 months ago
Typical rent from Zillow, March 2022 to September 2026: from $1,450 to $1,795.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Webster 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
36% of households in Webster own their home, against 64% in Monroe County.
2
Nearby, in Rochester, the typical home value is $139,600: 36% less than in Webster ($218,400).
3
Nearby, in Gananda, the typical rent is $1,027: 17% less than in Webster ($1,239).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Webster
What homes there are in Webster, 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
Webster
Monroe County
New York
United States
Kind of home: Webster and its comparisons
Measure
Webster
Monroe County
New York
United States
Detached house
37%
62%
41%
61%
Attached house
9%
6%
6%
6%
Building of 2 to 4
20%
13%
17%
8%
Apartments (5 or more)
Unreliable estimate
18%
35%
19%
Mobile home
Unreliable estimate
1%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
No kind of home is the majority in Webster; the largest group, detached houses, adds up to 37%, less than in Monroe County (62%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Webster
Monroe County
New York
United States
Year built: Webster and its comparisons
Measure
Webster
Monroe County
New York
United States
Before 1960
35%
43%
52%
26%
1960–1979
29%
26%
22%
24%
1980–1999
9%
18%
14%
25%
2000–2009
Unreliable estimate
7%
6%
14%
2010 or later
14%
6%
6%
11%
Homes in Webster are newer: the typical year built is 1971; in Monroe County, 1965.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K38%
$200K–$300K42%
$300K–$500K16%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Webster and its comparisons
Measure
Webster
Under $100K
Unreliable estimate
$100K–$200K
38%
$200K–$300K
42%
$300K–$500K
16%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99925%
$1,000–$1,49929%
$1,500–$1,99920%
$2,000–$2,49919%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Webster and its comparisons
Measure
Webster
Under $500
Unreliable estimate
$500–$999
25%
$1,000–$1,499
29%
$1,500–$1,999
20%
$2,000–$2,499
19%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,643 a month
Monroe County: $1,676 a month
Without a mortgage
$835 a month
Monroe County: $766 a month
Owners with a mortgage
57%
Monroe County: 62%
The typical cost for an owner with a mortgage in Webster is $1,643 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
Webster+43%
Monroe County+44%
New York+35%
United States+53%
Typical rent
Webster+33%
Monroe County+27%
New York+27%
United States+33%
Typical household income
Webster+55%
Monroe County+27%
New York+26%
United States+29%
Change since 2015–2019: Webster and its comparisons
Measure
Webster
Monroe County
New York
United States
Typical home value
+43%
+44%
+35%
+53%
Typical rent
+33%
+27%
+27%
+33%
Typical household income
+55%
+27%
+26%
+29%
Much as in Monroe County, the typical home value in Webster rose 43% since 2015–2019.
Since 2015–2019, the typical rent in Webster rose 33%, more than in Monroe County (27%).
Income in Webster grew faster than housing: it rose 55%, while home values changed +43% and rent +33%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Webster and its comparisons
Measure
Webster
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
1.97
2.28
2.49
2.53
Drive alone
75%
71%
49%
69%
Carpool
Unreliable estimate
8%
6%
9%
Public transit
Unreliable estimate
2%
22%
3%
Walk or bike
Unreliable estimate
3%
6%
3%
Work from home
Unreliable estimate
16%
15%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
20 to 29 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 1.97 on average, against 2.28 in Monroe County.
To get to work, 75% of workers in Webster drive alone; in Monroe County, 71%.
Do the math
What would you pay each month for a home in Webster?
A typical home is tight for the typical income
We start with a typical home in Webster, worth $218,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Webster, which is $70,495 a year. For that payment to be 28% of income, a household would need to earn about $90,111 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 Webster. 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 $7,644 (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
$2,103
at 7.18% · 30 years
Loan amount
$214,444
Total interest
$308,535
Paid off in
November 2056
Includes $3,688 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,645 a month
Tight
$1,645 to $2,115 a month
Your payment · 36%
Hard
more than $2,115 a month
Compared with the typical household income in Webster ($70,495 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,453
Property tax
$462
Home insurance
$91
FHA mortgage insurance (MIP)
$97
You need at least $7,644 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 $2,103; principal and interest $1,453.
The city and its county
Webster and Monroe County
Webster 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).
Webster
Map of Monroe County, New York, with Webster marked. Around it, the neighboring counties.
Webster
Monroe County
Other cities with a page
Webster's own numbers
Typical home value
$218,400
Typical monthly rent
$1,239
Typical yearly household income
$70,495
Households that own their home
36%
Effective property tax rate
2.54%
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 Webster is worth $218,400: 2% above the county and 48% below New York. With the typical household income in Webster ($70,495 a year), a typical home costs 3.1 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.
Webster3.1 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
Webster 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
Webster$218,400
Monroe$213,700
New York$423,800
United States$332,700
Typical monthly rent
Webster$1,239
Monroe$1,173
New York$1,621
United States$1,413
Typical yearly household income
Webster$70,495
Monroe$76,382
New York$85,974
United States$80,734
See the full table
Webster next to Monroe County and New York
Measure
Webster
Monroe County
New York
U.S.
Typical home value
$218,400 ▲2% above the county
$213,700
$423,800
$332,700
Typical monthly rent
$1,239 ▲6% above the county
$1,173
$1,621
$1,413
Typical yearly household income
$70,495 ▼8% below the county
$76,382
$85,974
$80,734
Households that own their home
36% ▼28 points below the county
64%
54%
65%
Typical yearly property tax
$5,547
$5,616
$6,582
$3,119
Effective property tax rate
2.54% ▼0.09 points below the county
2.63%
1.55%
0.94%
Renters with high rent for their income
45% ▼6 points below 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 Webster
For a typical $218,400 home in Webster, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Webster's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,103a month
Least cash to close
Down payment
$7,644
Cash to close
$14,196
Rate
7.18%
Mortgage insurance
FHA MIP · $97
Conventional, 5% down$2,063a month
Down payment
$10,920
Cash to close
$17,472
Rate
7.18%
Mortgage insurance
PMI · $104
Conventional, 20% down, no PMI$1,737a month
Down payment
$43,680
Cash to close
$50,232
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,939a month
Down payment
$32,760
Cash to close
$39,312
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Webster
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,103
$7,644
$214,444
7.18%
FHA MIP · $97
$14,196
580
Conventional, 5% down
$2,063
$10,920
$207,480
7.18%
PMI · $104
$17,472
620*
Conventional, 20% down, no PMI
$1,737
$43,680
$174,720
7.18%
None
$50,232
620*
ITIN, 15% down (example)
$1,939
$32,760
$185,640
8.18%
None
$39,312
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 Webster is $1,239 a month: 6% above the county. In Webster, 45% 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 Webster
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Webster is in ZIP code 14580.
For 2 bedrooms it is $1,790: $374 more than the fair market rent for Monroe County ($1,416).
Fair market rent by ZIP code and size in Webster, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
14580
$1,260
$1,430
$1,790
$2,160
$2,360
ZIP code2 bd3 bd
14580 $1,790$2,160
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Webster 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)
CDS Monarch Senior Living - Hard Road975 Abigayle Way, Webster 1458096 homes, 82 low-income · 1 bd: 82 · 2 bd: 14 · In service since 2018 · For older adults, people with disabilities
Voa Cobblestone Place Apts.1023 Riverside LN, Webster 1458060 low-income homes · 1 bd: 54 · 2 bd: 6 · In service since 2016
Ahepa 67 Apts100 Ahepa Cir, Webster 1458050 low-income homes · For older adults(585) 872-6300
Monarch Senior Living - Hard Road840 Lewis Wolf Blvd, Webster 1458050 low-income homes · 1 bd: 46 · 2 bd: 4 · In service since 2015 · For older adults, 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 Webster or Monroe County. The ones below are statewide in New York: they work in Webster 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 Webster 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 Webster 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 Webster?
The typical home value in Webster is $218,400, 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 Webster?
Typical rent in Webster is $1,239 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 Webster?
Webster 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 Webster?
The typical homeowner in Webster pays $5,547 a year, according to the U.S. Census Bureau. That is 2.54% of the home’s value; in Monroe County, the rate is 2.63%.
Where can I find free help to buy or rent in Webster?
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.
