Monroe County, NY Average Home Price (2026)
The average home price in Monroe County, New York is about $279,000 (the 2026 median across 40 ZIP codes, at ~$178/sq ft) — 16% more affordable than the New York median and 3% more affordable than the typical U.S. home.
How Monroe County compares
Monroe County is about average for housing nationally: its typical home costs $279,000 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $95,000 to $514,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Monroe County | $279,000 | $178 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Cities in Monroe County
Cities with their own home-value page, largest first:
Monroe County home prices by ZIP code
The 15 most valuable ZIP codes in Monroe County (of 40 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 14534 Pittsford | $514,000 | $230 | +84% |
| 14604 Rochester | $502,000 | $264 | +80% |
| 14506 Mendon | $472,000 | $397 | +69% |
| 14472 Honeoye Falls | $455,000 | $252 | +63% |
| 14450 Fairport | $403,000 | $208 | +44% |
| 14618 Rochester | $399,000 | $234 | +43% |
| 14580 Webster | $394,000 | $208 | +41% |
| 14526 Penfield | $391,000 | $205 | +40% |
| 14543 Rush | $371,000 | $272 | +33% |
| 14625 Rochester | $370,000 | $189 | +33% |
| 14586 West Henrietta | $368,000 | $191 | +32% |
| 14607 Rochester | $344,000 | $208 | +23% |
| 14514 North Chili | $337,000 | $200 | +21% |
| 14428 Churchville | $335,000 | $188 | +20% |
| 14610 Rochester | $329,000 | $200 | +18% |
Home value appreciation in Monroe County
Home prices in Monroe County have risen about 106% over the last 10 years (≈7.5% a year) and +121.1% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +6.6% — still rising. A home worth $279,000 today was worth roughly $135,240 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, New York is +85.6% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Monroe County
Run the numbers for Monroe County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Monroe County
To buy the typical $279,000 home in Monroe County with 20% down, you need a household income of roughly $76,000 a year (about $1,770 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $90,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $14,000 | $2,200/mo | $94,000/yr |
| 10% (+PMI) | $27,900 | $2,100/mo | $90,000/yr |
| 20% | $55,800 | $1,770/mo | $76,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Monroe County
At about $178 per square foot, here is roughly how much home different budgets get you in Monroe County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 840 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1120 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1400 sq ft | around the typical home here |
| $300k | 1690 sq ft | around the typical home here |
| $400k | 2250 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to New York.
Estimate a specific home in Monroe County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Monroe County home prices: frequently asked
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Browse all New York cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.