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Market MapRochester, NY
Metropolitan Area

Rochester, NY

New York04 counties
67
/100
Buy
#288 of 894 metros
Top 32% nationally for investing

Market Snapshot

$264,771
Median Home Price
8% above national median
$1,490/mo
Median Rent
8% above national median
6.76%
Rent-to-Price Ratio
Top 33% nationally
-$419
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$264,771
Down Payment (20%)$52,954
Loan Amount$211,817
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,490
Monthly P&I-$1,388
Est. Expenses (35%)-$522
Net Cash Flow-$419/mo
4.4%
Cap Rate (all cash)
-8.3%
Cash-on-Cash Return
6.76%
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.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

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

Based on 6.76% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
80/100

Based on 3.0% 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%)
73/100

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 (6.76%)
  • +Affordable relative to local incomes
  • +Low unemployment (0.0%)
  • +Multiple counties (4) for portfolio diversification

Challenges

  • -Negative cash flow at typical financing (-$419/mo)
  • -Negative leverage (cap rate 4.4% < mortgage rate 6.9%)

Counties in Rochester, NY

Best Overall
Orleans
NY - Score: 74
Best Cash Flow
Ontario
NY - Score: 69
Verdict
OrleansNY
40,14874$186,146Est.BuyView
OntarioNY
112,28869$300,874$1,8057.20%BuyView
MonroeNY
756,40667$267,128$1,4756.63%BuyView
LivingstonNY
61,98066$228,070Est.BuyView

Click any county to see detailed investment analysis

Compare to Similar Metros

Metro AreaVerdict
Decatur, IL
Decatur, IL
85$118,242$1,02110.36%Strong BuyView
Paducah, KY
Paducah, KY
82$165,710$1,2919.35%Strong BuyView
Indiana, PA
Indiana, PA
82$158,790$1,37610.40%Strong BuyView
Connersville, IN
Connersville, IN
82$158,083Est.Strong BuyView
Enid, OK
Enid, OK
81$137,435$1,0769.39%Strong BuyView
Current
Rochester, NY
67$264,771$1,4906.76%Buy

The Bottom Line

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

The Rochester, NY metro area scores 67/100, ranking #288 of 894 US metros (top 32%). The 6.76% rent-to-price ratio indicates moderate cash flow potential. Among 4 counties, Orleans shows the strongest investment potential (score: 74). 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
$-419/mo
Cap Rate
4.4%
Cash-on-Cash
-9.5%

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.

Single Family1-4 unit rentalsHouse HackOwner-occupiedMultifamily5+ unit propertiesBest CountyOrleans
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