FairUpdated SEP 1, 2026

Rochester, NY

ZIP 14619· Monroe County· Rochester, NY· 14,223 residents· Median income $66,345· Leaning Seller

14619 · Rochester, NY has a HavenScore of 54 — affordability carries it — prices sit within reach of local incomes.

At the ZIP's typical value, the estimated monthly payment takes 21% of the local median income (Zillow, US Census ACS) and runs $402 a month less than the median rent (Zillow ZORI). The buyer/seller gauge leans narrowly toward sellers, and has for 7 months. Typical values were flat over the last 90 days (Zillow ZHVI).

Saved ZIPs on Haven get an email when the score moves 5+ points as monthly data lands, when the market gauge flips between buyers and sellers, when its valuation read moves against the model value, or when distress jumps in a week.

Zillow ZHVI peaked at $169,550 in Nov 2024; the latest value is -1.5% from that peak, 20 months on. Since January 2019 it is +86.9%. The sharpest 12-month move was -6.4%, ending Jul 2018.

Median price
$167,045
-1.10% past 12 mo
Est. monthly payment
$1,140/ mo
20% down · 30-yr fixed · 6.71% · incl. tax + insurance
CompareShare card
56
HavenScore: higher than 68% of scored ZIPs.
▼ -3 / 90d#37/104 in NYBuyer Score
Rank

Ranked #4,172 of 13,130 nationally · #1,698 of 5,378 small market ZIPs

Switch perspective

Buyer view active — Leans harder on affordability and downside risk.

Score inputs below recompute for this view

Affordability
66/100
Growth
46/100
Risk
53/100
Momentum
34/100
Livability
63/100
Score · trailing 12 mo
51 → 54
+3 points
30-day
-3
90-day
-3
1-yr
+3

Snapshot

Numbers at a glance, with a year of history under each

Median price
$167,045
down-1.1% 12 mo
Typical home value across the middle tier of homes here — a smoothed Zillow index, steadier than individual sale prices.
Median price: higher than 9% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is $167,045.
Median rent
$1,542
Typical monthly rent (Zillow ZORI, with HUD fair-market rent filling in for smaller markets).
Median rent: higher than 30% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is $1,542.
Price-to-income
2.5×
Median home value divided by median household income. Under 4× has historically been comfortable; over 5× stretches most budgets.
Price-to-income: higher than 4% of scored ZIPs.
Est. monthly payment
$1,140
At the median value with 20% down, a 30-year fixed at 6.71%, plus property tax and insurance.
Est. monthly payment: higher than 3% of scored ZIPs.
Active listings
6
Homes listed for sale right now (Realtor.com). Rising inventory usually favors buyers; falling inventory favors sellers.
Active listings: higher than 2% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is 6.
Days on market
15
How long the typical listing sits before going under contract. Shorter means a tighter market; longer means more room to negotiate.
Days on market: higher than 1% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is 15.
Price cuts
0.00%
Share of active listings that have lowered their asking price. Rising cuts usually precede softening values.
Twelve-month trend shown as a sparkline; the newest value is 0.00%.
Median income
$66,345
Median household income here, from the latest US Census American Community Survey.
Population
14,223
Current resident estimate. Growth is a demand tailwind; decline is a structural risk.
Twelve-month trend shown as a sparkline; the newest value is 14,223.
Overvaluation
+95.35%
How far today's values sit above the long-run price trend. Positive means stretched; negative means discounted versus trend.
Vacancy
8.7%
Average. Share of housing units that are vacant in this ZIP, from the latest US Census ACS 5-year tables.
Owner-occupied
61%
of homes. Share of occupied housing units owned by their occupants (vs. rented), from the US Census ACS.
Denial rate
19.8%
Average. Share of mortgage applications denied in this ZIP, from the latest CFPB / FFIEC HMDA disclosures.
Lending activity
14,735
originations. Mortgage originations recorded in this ZIP in the most recent HMDA reporting year. Higher counts = more active lending market.
Net migration
-0.3%
net outflow. Net migration as a share of population, from IRS SOI county-to-county migration data. Positive = more people moving in than out.
Income inflow
$67k
average. Average gross income of households moving INTO this ZIP, from IRS SOI data. Higher = ZIP attracting higher-income households.

Place

What it is like to live here, and what could flood or burn

Place profile
WalkabilityAbove-average walkability
EPA index 13.0 of 20 · EPA Smart Location Database · Jun 2021 · above 84% of scored ZIPs
Transit accessStop within a 5-minute walk
256 m to the nearest stop · EPA Smart Location Database · Jun 2021 · above 92% of scored ZIPs
Typical commuteShorter commute than typical
16 minutes one way · US median ZIP 22 · US Census ACS · above 91% of scored ZIPs
Jobs nearbyModerate employment nearby
1,001 jobs per sq mi · US Census LODES · above 70% of scored ZIPs
Physical riskVery Low (FEMA)
FEMA National Risk Index composite · Dec 2025 release · above 99% of scored ZIPs

Bands are each source’s own · tick marks the national median ZIP · not blended into the score

Hazard ledger · FEMA National Risk Index

Tract-level rolled up to ZIP · not a property-level rating · no future-year projection · refreshed annually (Dec 2025 release) · county tick = median of 39 scored ZIPs in Monroe County

Everyday prices · BEA Regional Price Parities

Everyday prices in the Rochester metro run 3% below the US average (BEA Regional Price Parities, 2024).

Rents in the index run 13% below the US average.

$75,000 at US-average prices buys what $72,800 buys here.

Metro-level index, US = 100 · 2024 · the Rochester metro, not this ZIP alone

Housing cost burden · US Census ACS
Owners spending over 50% of income5%
US median ZIP 6%
Renters spending over 30% of income34%
US median ZIP 45%

What drives the score

Five pillars, each scored 0–100

Affordability

66/100

Growth momentum

46/100

Market risk

53/100

Momentum

34/100

Livability

63/100
Walkability
1–20 index · June 2021 vintage·EPA Smart Location Database
13.0
Transit access
Ranked against every scored ZIP·EPA Smart Location Database
255.8
Job density
Jobs per square mile, ranked against every scored ZIP·US Census LODES
1,001.1

See every input behind the pillars, with its value and source

Inside: Affordability: Price-to-income, Property tax rate, Median income · Growth momentum: 12-month price change, 12-month rent change, Population · Market risk: Overvaluation, Active listings, Price cuts · Momentum: Days on market, Buyer / seller gauge, Demand dial

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Market signals

Tailwinds and headwinds right now

Top 6 of 14 signals
Tailwinds4
  • Affordable vs. income
    2.5× income — below the national median
  • Limited new supply
    Only 1.6 permits per 1,000 — supply constrained
  • Few price reductions
    Only 0% of listings cutting price
  • Fast-moving market
    15 days on market — selling quickly
Headwinds2
  • Declining prices
    -1.1% year-over-year
  • Potentially overvalued
    95% above historical price-to-income
Buyer / seller gauge

Market conditions

Leaning Seller

The score reads conditions tightening in sellers' favor.

+31
Strong buyerBalancedStrong seller
Trend
Heating toward seller
Gauge since Mar 2026Leaning Seller now

Cycle read. Firming: prices -1.1% over the trailing year, with the market leaning toward sellers.

Asking vs closed
Typical value (index)
$167,045
Zillow ZHVI · Sep 2026
Median sale price
$173,001
Redfin · Sep 2026
Sale-to-list
115.4%
Redfin · Sep 2026
Sold above list
70.0%
Redfin · Sep 2026

The Zillow figure is a smoothed index of typical value, not a list price; the Redfin figures are closed sales for the month shown.

Momentum check

What's changed in the last 90 days

🔒 Haven
Locked

Median price

——
🔒 Haven
Locked

Inventory

——
🔒 Haven
Locked

Days on market

——

Change vs. prior 90 days · arrow shows direction, not whether it’s good or bad

Pulse signals unlock with Haven, plus a one-line market interpretation.

The 90-day numbers behind each tile open with Haven

Trend

Where it's been

Peak
$169,550
Nov 2024
From peak
-1.5%
20 mo ago
Since Jan 2019
+86.9%
Worst 12 mo
-6.4%
to Jul 2018
Best 12 mo
+22.4%
since 2018

Zillow ZHVI peaked at $169,550 in Nov 2024; the latest value is -1.5% from that peak, 20 months on. Since January 2019 it is +86.9%. The sharpest 12-month move was -6.4%, ending Jul 2018.

Cycle position — prices vs the model’s value estimate and the payment’s share of income vs five years ago — opens with Pro

Appreciation by window

Zillow ZHVI · rank among scored ZIPs
WindowChangePer yearUS rankNew York rank
1 yeardown-1.1%-1.1%/yrHigher than 20% nationallyHigher than 1% in New York
3 yearsup+19.1%+6.0%/yrTop 21% nationallyHigher than 35% in New York
5 yearsup+31.6%+5.6%/yrHigher than 60% nationallyHigher than 33% in New York
10 yearsup+114.0%+7.9%/yrTop 18% nationallyTop 20% in New York
Since 2000up+196.3%+4.2%/yr——

Starter homes vs the top tier

Zillow ZHVI tiers · Jul 2026
Bottom third (starter homes)
$137,572
up+47% 5Yup+172% 10Y
Middle third
$167,045
up+29% 5Yup+109% 10Y
Top third
$201,819
up+23% 5Yup+77% 10Y

Starter homes here rose 47% in five years while top-tier homes rose 23% (Zillow ZHVI tiers) — the bottom of the market outpaced the top.

3-bedroom homes here run 16% above 2-bedrooms (Zillow ZHVI by bedroom); the NY median premium is 27%.

The historical reading — which months run highest and lowest here — opens with Haven

Rent, inventory, days on market, Zillow’s market heat, the % view and state and US reference lines open with Haven

Forecast

Where it's heading

The HavenScore Forecast Model (v1) projects this ZIP’s median value at 3-, 6-, and 12-month horizons, with 80% prediction intervals; Pro adds 24- and 36-month horizons.

Price Forecast

3-month projection · 80% range

🔒 Haven
—————
3-month shown  |  6 & 12 months with Haven →
3-month
$164,539
-1.5%
80% range $153.4K–$169.1K
6-month
🔒 Haven
12-month
🔒 Haven

Of the 3-month ranges we published since December 2025, 60% contained the actual price. Track record →

6- and 12-month projections, their 80% ranges, and what moves the forecast unlock with Haven.

Zillow's own published forecast has this ZIP's typical value rise 3.1% over the twelve months from July 2026 (Zillow Home Value Forecast).

Forecasts are the model’s projection, not a prediction. Actuals will differ.

See the 6- and 12-month price ranges for this ZIP and what moves the forecast

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Monthly cost

What you'd owe each month

Est. monthly payment
$1,140/ mo

20% down · 30-yr fixed · 6.71% · tax 1.40%

Principal$116
Interest$747
Property tax$195
Insurance$81
Rent vs buy
Median rent
$1,542
/ mo
Own (payment)
$1,140
/ mo
Monthly gap
$402owning is at or below rent today

Insurance uses the average homeowners premium insurers reported for this ZIP in 2022, $978 a year (Treasury Federal Insurance Office).

Payment share of income

21%of the ZIP’s median income at the median value ($1,140/mo against $66,345 · Zillow, Freddie Mac PMMS, US Census ACS). Your own marker appears once you set an income or price in the calculator below.

Price-to-income · ZIP vs state vs US

Median home value ÷ median household income · Zillow ZHVI, US Census ACS · under 4× has historically been comfortable

Run the numbers

Your price, rate, down payment and income

Like for like: a 3-bedroom here rents for about $2,040 a month (HUD Small Area Fair Market Rent, FY2026) against a typical 3-bedroom value of $168k (Zillow ZHVI by bedroom) — a 14.6% gross rent yield.

Cost of ownership over time

Cumulative housing cost, interest paid, and equity built · 20% down · ZIP median income $66,345

See the 1-, 5-, and 30-year cost of owning here

Inside: Total housing cost · Interest paid · Principal paid · Equity built

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Equity assumes flat home value; real appreciation could push it higher · Rate 6.71%

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Comparable ZIPs

Same shape, lower entry

ZIPs the score groups near 14619 on Affordability and Growth — sorted by lowest median value. Each tile names what the lower price trades: commute (ACS), walkability band (EPA) and hazard rating (FEMA).

ZIP 72021
Brinkley
AR
53
  • Saves $84k
  • Longer commute (+16 min)
  • Less walkable
  • Higher hazard risk
$83,174-6.14%
ZIP 14605
Rochester
NY
46
  • Saves $69k
  • Similar commute
  • Similar walkability
  • Higher hazard risk
$97,648-0.78%
ZIP 14621
Rochester
NY
51
  • Saves $52k
  • Similar commute
  • Similar walkability
  • Higher hazard risk
$114,631-2.10%
ZIP 14608
Rochester
NY
59
  • Saves $45k
  • Similar commute
  • More walkable
  • Higher hazard risk
$122,123+7.12%

Sources

Every number, traced

Every metric above is sourced from public datasets, normalized against the national ZIP distribution. Home values and rents refresh monthly; demographics refresh annually.

Zillow Research
Home values, rents, inventory, transactions
Realtor.com
Inventory, days on market, price-cut share
Redfin
Sale prices, transaction volume
US Census ACS
Income, population, vacancy, cost burden
Freddie Mac PMMS
Current 30-year fixed mortgage rates
FHFA HPI
Long-term price trends
HUD Small Area FMR
Per-ZIP fair market rents (rural fallback)
BEA & IRS
Personal income growth, net migration
Lending & accessibility
Lending and neighborhood-access signals
Research the restNo crime or school rating here — why. The primary sources:GreatSchools→NCES School Search→FBI Crime Data Explorer→

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