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Rochester, NY

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US location · verified

Neighborhood intelligence

Your Rochester relocation brief

Safety, noise, air quality, true cost, hazard, and commute intelligence for Rochester.

Median rent

$1,173/mo

ACS 2024 5-year

HUD 2-bedroom FMR $1,416/mo

Median household income

$76,382

ACS 2024 5-year

Median home value

$213,700

ACS 2024 5-year

Safety score

38/100

FBI CDE

Weather

56°F (H 64° / L 49°)

Open-Meteo

Buying in Rochester? Check current mortgage rates early — before you fall in love with a ZIP.

Safety & Crime Index

38/100

FBI CDE

Worth extra due diligence — 105% above average FBI data, 2023–2024

Below Average

Noise Level

40 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 56°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 62 (100 = avg)

Good / Low Pollen

Neighborhood guide

Living in Rochester NY

Rochester is one of the more affordable options in its region at $1,173/month typical rent. Safety scores 38/100.

Rochester has about 208,772 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is Rochester NY Safe?

Rochester NY scores 38/100 on safety (well below average). Crime is about 105% above the national average. Research block-level crime data and visit after dark before you commit.

Detail: overall crime index 205 (100 = avg); violent crime index 187; property crime index 222. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Rochester NY

School quality varies by neighborhood in Rochester. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Cost of Living in Rochester NY

Typical rent in Rochester is about $1,173/month (affordable). At $1,173/month for a typical unit, you need about $42,228+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $213,700.

Median household income is $76,382, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($76,382) clears the $42,228 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Rochester NY

Average temperature is about 56°F (highs near 64°F, lows near 49°F).

Cooler months cut into patio season; plan indoor hobbies for part of the year. Heating will show up on winter bills more than AC does in summer. If you visit, go in January. That is when the cold is honest.

Who Should Move to Rochester NY?

Who tends to thrive in Rochester: (1) Renters who want $1,173/month housing without coastal prices (comfort income is about $42,228) (2) Households earning $42,228+ who can clear the 3× rent rule at $1,173/month (3) Movers with a locked job offer in Rochester who already priced rent and commute (4) Buyers comparing mid-size metros who will tour multiple ZIPs before signing

Who should look elsewhere: (1) People with young kids who want to let them roam freely (crime pressure is real here; safety 38/100) (2) Households expecting top marks on rent and safety at once (Rochester does not clear every bar) (3) People who will not research ZIP-level crime maps before leasing

Income sniff test: clear about $42,228 household income for $1,173/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Moving to Rochester requires serious research first. Safety scores 38/100 which is significantly below average. If you have a specific reason to be here that justifies the tradeoff, go in with eyes open on neighborhood selection.

Next steps

Tools for your move

Quotes and listings for Rochester when you're ready to act.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Rochester.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$1,510

Mortgage + tax + insurance + HOA

Annual property tax

$3,099

Annual est. $5,580

Est. monthly utilities

$361

Climate-adjusted electric, gas & water

Median home price

$213,700

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$192k
2022
$197k
2023
$203k
2024
$208k
2025
$214k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$337/mo vs buying
$1,173ACS 2024 5-year
Rent
$1,510
Buy

Mortgage

$1,081

Property tax

$258

Insurance

$76

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$2,836/yr

2024

1.37%

$2,921/yr

2025

1.41%

$3,009/yr

2026

1.45%

$3,099/yr

Buying in Rochester? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

35 (100 = avg)

low exposure

Est. annual homeowners insurance

$916/yr

moderate exposure
Wind hazard index62 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 56°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $916.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Rochester to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo