📊 New York · Housing Market 2026
Rochester Housing Market Data 2026
Median prices, cap rates, rent benchmarks, and investment outlook for Rochester, New York — data sourced from Zillow, HUD FMR, and Census ACS.
🟡 Moderate Market
Median Price:$188,000
Cap Rate:8.1%
Vacancy:8.8%
$188,000
Median Home Price
YoY: +5.8%
8.1%
Avg Cap Rate
Cash-on-cash: 7.3%
$1,320
Median Rent (2BR/mo)
YoY: +3.2%
8.8%
Vacancy Rate
High — watch carefully
46 days
Days on Market
Moderate pace
$188,000 / 8.1%
Price / Cap Rate
🟡 Moderate Market
📈 Market Analysis — Rochester, NY
Rochester, New York, remains a premier destination for yield-focused investors in 2026
🏘️ Rent Breakdown — HUD Fair Market Rents
HUD Fair Market Rent represents the 40th percentile of gross rents paid by recent movers in Rochester. Used as a benchmark for Section 8 voucher limits and rental market analysis.
| Bedroom Count | Monthly Rent (HUD FMR) | Annual Rental Income | Est. Cap Rate at Median Price |
|---|---|---|---|
| 1 Bedroom | $1,010/mo | $12,120/yr | 4.5% est. |
| 2 Bedrooms | $1,320/mo | $15,840/yr | 5.9% est. |
| 3 Bedrooms | $1,760/mo | $21,120/yr | 7.9% est. |
* Estimated cap rate uses the 70% rule (30% reserved for expenses). Actual cap rates vary by property and management style.
💰 Cost of Investing in Rochester
| Cost Item | Rate / Amount | Est. Annual Cost | Monthly Cost |
|---|---|---|---|
| Property Tax | 1.5% effective rate | $2,895 | $241/mo |
| Homeowners Insurance | New York avg premium | $1,900 | $158/mo |
| Total Tax + Insurance | Based on median home price of $188,000 | $400/mo | |
These figures reflect state-level averages. Property tax rates vary by county; insurance costs vary by property type, age, and claims history. Source: Tax Foundation (2025), NAIC (2024).
⚖️ How Rochester Compares to National Averages
Avg Cap Rate
8.1%
National avg: 5.5%
✓ Above average
Median Home Price
$188,000
National avg: $371,696
✓ More affordable
Vacancy Rate
8.8%
National avg: 7.8%
Above avg vacancy
2BR Median Rent
$1,320/mo
National avg: $1,469/mo
Days on Market
46 days
National avg: 41 days
Price Growth YoY
+5.8%
National avg: +3.6%
National averages calculated across all 69 tracked US investor markets. A cap rate above the national average suggests stronger cash flow potential relative to purchase price.
🗺️ Nearby Markets in New York
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Market Intelligence
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