Cost of Living in Rochester, New York
Rent, everyday costs and taxes in Rochester, what each job keeps after paying them, and how the city compares with the rest of the US.
- Population
- 206,108
- Median household income
- $46,882
- Cost of living (US = 100)
- 97.0
- Unemployment rate
- 4.9%
Is Rochester a good place to live?
Rochester sits in the middle for take-home money: a typical worker keeps more here than in 101 of 178 other large cities, so whether it pays off depends on your job.
A typical worker in Rochester keeps $7,844 a year after taxes, rent and everyday costs. Try your job
- Cost of living3% below the US average (BEA, 2024)
- Rent$1,183 a month for a 1-bedroom (HUD)
- Taxes$2,168 of state income tax on a typical wage
Cost of living in Rochester
Prices in the Rochester, NY area run 3% below the US average. Utilities is the biggest difference, at 33% above the US average.
- Housing13% below the US average
- Goods (food, clothing, cars)About the same as the US average
- Utilities33% above the US average
- Other services (healthcare and more)2% below the US average
- All items3% below the US average
Monthly budget for one person
| Cost | Monthly | Yearly |
|---|---|---|
| Rent, 1-bedroom | $1,183 | $14,196 |
| Food | $492 | $5,904 |
| Transportation | $389 | $4,668 |
| Healthcare | $344 | $4,128 |
| Utilities | $347 | $4,164 |
| Total before taxes | $2,755 | $33,060 |
Rent by apartment size
| Monthly rent | Rochester | Whole metro area |
|---|---|---|
| Studio | $1,049 | $1,005 |
| 1 bedroom | $1,183 | $1,131 |
| 2 bedrooms | $1,477 | $1,416 |
| 3 bedrooms | $1,778 | $1,706 |
| 4 bedrooms | $1,953 | $1,875 |
Living in Rochester
How Rochester compares with the US on income, housing, work and commuting (Census Bureau, ACS 2024 1-year).
| Measure | Rochester | US |
|---|---|---|
| Median household income | $46,882 | $81,604 |
| Median home value | $164,300 | $360,600 |
| Median rent paid | $1,090 | $1,487 |
| Households renting | 61.1% | 34.7% |
| Unemployment rate | 4.9% | 4.6% |
| Living below the poverty line | 29.1% | 12.2% |
| Adults with a bachelor's degree or higher | 31.5% | 36.9% |
| Median age | 34.9 years | 39.2 years |
| Average commute, one way | 18.9 minutes | 27.2 minutes |
| Working from home | 9.4% | 13.3% |
| Commuting by public transit | 5.1% | 3.7% |
Home internet
5 providers offer home internet to at least a quarter of Rochester, led by Spectrum, T-Mobile, Verizon, Greenlight Networks. Fiber reaches 47.5% of homes and 96% can get gigabit speeds.
Pros and cons of living in Rochester
Pros
- Shorter commutes. The average one-way commute is 18.9 minutes, against 27.2 nationally.
- Affordable homes to buy. The median home is worth $164,300, against $360,600 nationally.
- Cheaper rent. Median rent is $1,090 a month, against $1,487 nationally.
- Fast home internet. 96% of homes can get gigabit speeds (FCC).
Cons
- Higher poverty rate. 29.1% of residents live below the poverty line, against 12.2% nationally.
- Lower incomes. Median household income is $46,882, against $81,604 nationally.
What your job keeps in Rochester
Pick a job, or enter your salary, to see what's left after federal, payroll, state and local taxes, a 1-bedroom rent and everyday costs.
- Typical salary
- $51,210
- Federal income tax
- −$3,965
- Payroll taxes
- −$4,170
- State income tax
- −$2,168
- Rent, 1-bedroom
- −$14,196
- Everyday costs
- −$18,867
a year, or $654 a month
Pay: BLS OEWS Rochester, NY. Rent: HUD FY2027. Taxes: 2026 federal, state and local schedules for a single filer.
What the most common jobs keep here
The 10 jobs we cover with the most workers in the Rochester, NY area.
| Job | Median pay | You keep |
|---|---|---|
| Software engineer | $122,770 | $55,298 |
| Project manager | $103,520 | $43,084 |
| Registered nurse | $86,570 | $32,186 |
| Accountant | $80,890 | $28,521 |
| Electrician | $77,310 | $26,212 |
| Teacher | $70,439 | $21,778 |
| Social worker | $63,333 | $16,877 |
| Licensed practical nurse | $62,060 | $15,929 |
| Truck driver | $58,920 | $13,589 |
| Nursing assistant | $40,050 | −$473 |
Other jobs, A–Z
What each keeps in Rochester on its median pay. Pick one in the calculator above for the full breakdown.
- Auto mechanic $13,297
- Carpenter $14,014
- Civil engineer $40,466
- Data scientist $36,185
- Dental assistant $6,032
- Dental hygienist $36,729
- Dentist $82,824
- Diesel mechanic $15,317
- Financial analyst $37,555
- Firefighter $33,829
- HVAC technician $17,054
- Lawyer $70,859
- Lineman $44,108
- Mechanical engineer $40,918
- Medical assistant $765
- Nurse practitioner $58,572
- Occupational therapist $29,076
- Paralegal $12,344
- Paramedic $16,584
- Pharmacist $63,600
- Pharmacy technician $190
- Physical therapist $29,928
- Physician assistant $59,995
- Plumber $23,805
- Police officer $36,262
- Radiologic technologist $25,618
- Respiratory therapist $29,877
- Speech-language pathologist $28,089
- Veterinarian $58,248
- Welder $12,255
Compare Rochester with other cities
Compare Rochester with another city: any city or state, any of our 40 jobs.
Moving to Rochester
7 licensed interstate movers are based in Rochester, and 3 more elsewhere in the Rochester, NY area (FMCSA, household-goods authority).
Questions people ask
Is Rochester, NY a good place to live?
Rochester sits in the middle for take-home money: a typical worker keeps more here than in 101 of 178 other large cities, so whether it pays off depends on your job. The typical worker here earns $51,210 and keeps $7,844 a year after federal, payroll and state taxes, a 1-bedroom rent and everyday costs.
What is the cost of living in Rochester?
Prices in the Rochester, NY area are 3% below the US average (BEA Regional Price Parities, 2024). A 1-bedroom rents for $1,183 a month (HUD fair market rent, FY2027), and everyday costs for one person, covering food, transportation, healthcare and utilities, come to about $1,572 a month.
How much do you need to earn to live in Rochester?
A single person renting a 1-bedroom alone needs about $40,700 a year before tax to cover taxes, rent and everyday costs, with nothing left over. The typical worker in the Rochester, NY area earns $51,210.
What is the average rent in Rochester?
HUD's fair market rent for FY2027 is $1,049 for a studio, $1,183 for a 1-bedroom and $1,477 for a 2-bedroom. The Census Bureau puts the median rent paid in Rochester at $1,090 a month (2024).
Does Rochester have a state or city income tax?
Yes. On a typical wage of $51,210, New York state income tax comes to about $2,168 a year. Rochester has no local income tax on wages.
What internet providers serve Rochester?
5 providers offer home internet to at least a quarter of Rochester, led by Spectrum, T-Mobile, Verizon, Greenlight Networks. 47.5% of homes can get fiber and 96% can get gigabit speeds (FCC National Broadband Map).
Sources and method
Everyday costs: BLS Consumer Expenditure Survey 2024 (one-person households) × CPI-U to August 2026 × BEA Regional Price Parities 2024. Taxes assume a single filer with the standard deduction and wage income only.
- Census Bureau, Vintage 2025 population estimates
- Census Bureau, American Community Survey 2024 1-year estimates
- BLS OEWS May 2025, metropolitan area estimates
- HUD Small Area Fair Market Rents, FY2027
- BLS Consumer Expenditure Surveys 2024, Table 1400 (size of consumer unit)
- BLS Consumer Price Index (CPI-U)
- BEA Regional Price Parities by MSA, 2024
- FCC National Broadband Map, fixed broadband availability (data as of December 31, 2025, released 2026-09-29)
- FMCSA Carrier - All With History (operating authority and insurance)
Data compiled October 13, 2026. How we calculate