Can I Afford a House in Rochester NY?

Enter your income and debts to see your max home price. Minimum income for Rochester's $250K median: ~$81,000/yr.

First-time buyer?

You may qualify for up to $30,000 in grants through the Homebuyer Dream Program + SONYMA.

Your Finances

Annual Gross Income

Monthly Debt Payments

Car, student loans, credit cards

Down Payment + Closing Costs

Recommended Sweet Spot

$140,000

Based on your income and debts

Max Price (28% DTI)

$257,759

Max Price (36% DTI)

$274,385

SONYMA Impact

With Homebuyer Dream Program ($30K) + SONYMA DPAL ($7,500), your effective down payment grows to:

Your cash$25,000

+ Grant programs+$37,500

Effective down payment$62,500

Rochester Price Tiers

Under $150KStarter homes, city neighborhoods, fixer-uppers

$150K-$250KSolid suburban entry-level, most Monroe County towns

$250K-$350KEstablished suburbs, Brighton/Penfield/Webster entry

$350K-$500KPittsford, Brighton, newer construction

$500K+Executive homes, lakefront, custom builds

Related Calculators

Get your exact monthly payment.

Stack up to $30K in first-time buyer grants.

Is buying the right move for you?