Rochester, NY mortgage calculator

Rochester
Mortgage
Calculator

Rochester is home to the University of Rochester and a stable optics, healthcare, and advanced manufacturing economy. Monroe County's high effective property tax rate — among the highest in the state — is a significant factor in total monthly payment calculations despite relatively low home prices.

2.92% county property tax
Real local rates
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$
$
Interest rate6.48%
Monthly payment
$1,500
P&I · Taxes · Insurance
Total interest
$193,148
Principal & Interest$959/mo
Property Tax (2.92%)$462/mo
Homeowners Insurance$79/mo

Recommended for incomes above $65k/yr (28% DTI rule)

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2.92%
Rochester area property tax rate
$190,000
Rochester median home price
$1,500
est. monthly payment at defaults

Rochester housing market

$190,000
Median home price
$39,000
Median household income
211,328
City population

The 2.92% property tax rate reflects the county-level effective rate for Rochester and is used to calculate your monthly tax escrow above. This rate may differ from the statewide New York average — county-level data produces more accurate monthly payment estimates for Rochester buyers. Many Rochester properties also carry HOA fees — the area average is approximately $50/month, which is not included in the calculator above.

Rate history

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