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Rochester city, NY

ZIP 14607 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 14607

Median Home Value
$304,100
Median Rent
$1,058
Affordability Snapshot
$84,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,953/mo PITI).

23%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

24.0 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 14607 in Rochester city, NY, a household would need roughly $84,000 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 $1,953. That is about 49% above the local median household income ($56,270), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
16.9%-74% vs US avg
x
Vacancy Rate
8.7%-16% vs US avg
x
Broadband Access
90.0%+3% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
5.0%-61% vs US avg
x
Built Post-2014
1.0%-85% vs US avg
x
Rent Burden >30%
20.9%-58% vs US avg
x
Mortgage-Free
37.0%-3% vs US avg
x
$304,100
Home Value
$1,058
Rent
1938
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached9.4%
  • 1-unit attached3.9%
  • 2-9 units52.1%
  • 10+ units34.6%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$304,100
Median rent$1,058
Owner-occupied16.9%
Vacant8.7%
Price-to-income5.4x
Est. income to buy$84,000