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Rochester city, NY

ZIP 14605 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 14605

Median Home Value
$81,000
Median Rent
$701
Affordability Snapshot
$22,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$520/mo PITI).

36%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

3.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

9.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 14605 in Rochester city, NY, a household would need roughly $22,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $520. That is roughly in line with the local median household income ($23,255). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
25.2%-62% vs US avg
x
Vacancy Rate
13.4%+30% vs US avg
x
Broadband Access
73.5%-15% vs US avg
x
4+ Bedrooms
2.3%-84% vs US avg
x
Built Pre-1939
6.4%-50% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
32.2%-35% vs US avg
x
Mortgage-Free
53.6%+40% vs US avg
x
$81,000
Home Value
$701
Rent
1953
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached31.0%
  • 1-unit attached10.6%
  • 2-9 units38.3%
  • 10+ units19.6%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$81,000
Median rent$701
Owner-occupied25.2%
Vacant13.4%
Price-to-income3.5x
Est. income to buy$22,000