Metropolitan Area

Rochester, NY

New York0
68
/100
Buy
#280 of 894 metros
Top 31% nationally for investing

Market Snapshot

$285,034
Median Home Price
12% above national median
$1,597/mo
Median Rent
15% above national median
6.72%
Rent-to-Price Ratio
Top 30% nationally
-$456
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Median Home Price

Median Rent

Stored observations from 2016-07-31 to 2026-06-29. Source: Zillow ZHVI/ZORI. Missing rents are shown as gaps.

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$285,034
Down Payment (20%)$57,007
Loan Amount$228,027
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,597
Monthly P&I-$1,494
Est. Expenses (35%)-$559
Net Cash Flow-$456/mo
4.4%
Cap Rate (all cash)
-8.3%
Cash-on-Cash Return
6.72%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 4.4% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

Score Breakdown

Overall Investment Score
68/100
68
Cash Flow(30%)
67/100

Based on 6.72% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
85/100

Based on 5.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
69/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Above-average rent-to-price ratio (6.72%)
  • +Strong price appreciation (+5.0% YoY)
  • +Low unemployment (0.0%)

Challenges

  • -Negative cash flow at typical financing (-$456/mo)
  • -Negative leverage (cap rate 4.4% < mortgage rate 6.9%)

Counties in Rochester, NY

County data is being compiled for this metro area.

Section 8 in Rochester, NY: payment standards by ZIP, PHA waitlist status, and voucher counts are on VoucherMatch, the same HUD dataset with the tenant demand side attached.

Compare to Similar Metros

Metro AreaVerdict
Coffeyville, KS
Coffeyville, KS
85$101,366$86210.20%Strong BuyView
Blytheville, AR
Blytheville, AR
84$115,156$1,06411.08%Strong BuyView
Roanoke Rapids, NC
Roanoke Rapids, NC
84$107,523$1,07712.02%Strong BuyView
Enid, OK
Enid, OK
83$144,157$1,25010.40%Strong BuyView
Houghton, MI
Houghton, MI
83$194,696$1,73310.68%Strong BuyView
Current
Rochester, NY
68$285,034$1,5976.72%Buy

The Bottom Line

BuyRochester, NY offers solid investment potential with good cash flow or appreciation prospects.

The Rochester, NY metro area scores 68/100, ranking #280 of 894 US metros (top 31%). The 6.72% rent-to-price ratio falls below the 1% monthly rent rule (12% annually). Check operating costs and financing before making an offer. Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.

Monthly Cash Flow
$-456/mo
Cap Rate
4.4%
Cash-on-Cash
-9.6%

Ready to Invest in Rochester, NY?

Use our investment calculators to run detailed numbers on specific properties, or explore individual counties for more targeted opportunities.