Cost of Living in Monroe County, New York
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Monroe County Compares
Median monthly rent comparison
Detailed Housing Stats
Data Story
About Cost of Living in Monroe County, New York
Monroe County's affordability edges above state
At 18.2%, renters' rent-to-income ratio slightly exceeds New York's state average of 17.6%, though it remains close to national norms around 18%. Median rent of $1,126 per month mirrors the state average of $1,133, making Monroe a mid-tier option in New York's housing landscape.
Middle ground in New York housing costs
Monroe County's rent-to-income ratio sits near the state average, placing it in the moderate tier of New York affordability. At $74,409 median household income, Monroe households earn slightly more than the state median, offsetting modest cost-of-living pressures.
Costlier than nearby rural counties
Monroe's $1,126 rent is measurably higher than Niagara County ($870), Lewis County ($821), and Madison County ($891), reflecting Rochester's larger urban footprint. Similarly, ownership costs of $1,272 and median home values near $197,100 outpace most rural neighbors, though remain well below Long Island and Manhattan.
Housing takes its slice of the budget
Households earn $74,409 annually and dedicate roughly $13,512 to rent (18.2%) and $15,264 to ownership costs if mortgaged. At 18.2%, the rent-to-income ratio edges above the state average, meaning less cushion for savings compared to more affordable upstate markets.
Monroe County: urban amenities at regional prices
Monroe offers Rochester's urban services and job market at costs higher than rural upstate but far below New York City and Long Island—homes average $197,100 with rents near state average. If you value city access over bargain hunting, Monroe's 18.2% rent-to-income ratio may justify the trade-off.
Affordability Calculator
See how your income compares to housing costs in Monroe County
Rent Burden
18.2%
of gross income
Max Housing (28% Rule)
$1,736
per month
Owner Cost Burden
20.5%
of gross income
You can likely afford the median home in Monroe County
Median home value is $197,100. Estimated monthly cost: $1,574 vs. your max of $1,736.
Rent Affordability Guide
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.