Rochester Housing Market Data 2026
📈 Market Analysis — Rochester, NY
**Rochester, NY 2026 Real Estate Market Analysis**
Rochester continues to serve as a
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🏘️ 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. |
💰 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
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
🛠️ Tools for Analyzing Rochester Deals
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