Current 30-year rate in NY: 6.03% APR  ·  15-year: 5.50% APR(Updated April 15, 2026)

MoveToRoc

Rochester NY Mortgage Calculator

Pre-filled with today's 6.03% NY rate and real Monroe County property taxes by ZIP code. Includes PMI, insurance, HOA, and amortization.

Rates updated April 2026
Home Details
$250,000
$50K$750K

Rochester City SD · 2.47% rate

Loan Details
%
$
Today's NY rate: 6.03%
%

PMI Required: With less than 20% down, you'll pay ~$150/mo in PMI. It's removed once you reach 20% equity.

Total Monthly Payment

$2,158

/month · 30-year loan

Payment Breakdown
Principal & Interest$1,353
Property Tax$515
Insurance$140
PMI$150

Loan Amount

$225,000

Total Interest Paid

$262,199

Total Cost of Loan

$487,199

Payoff Year

2056

Amortization Schedule

Chart shows remaining balance vs. total interest paid over time

First-time buyer?

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

Check My SONYMA Eligibility

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