Rochester home values (September 2026)

The typical home in the Rochester, NY metro is worth $281,279, +4.9% over the last 12 months. Updated monthly from Zillow Research data.

Typical value: $281,279
1-year change: +4.9%
5-year change: +40.4%
10-year change: +93.4%

Typical home value, Rochester metro, last 10 years. Source: Zillow Research (ZHVI).

Where Rochester stands

#75 most expensive of the 100 largest U.S. metros; #8 by 1-year price growth.
At or near its all-time high ($281,279).

Home equity in Rochester

At an 85% combined loan-to-value cap, a typical $281,279 home supports up to $239,087 of total borrowing. With a typical mortgage still owed, about $81,571 of equity would be available as a line of credit. Run your own numbers in the HELOC calculator.

Compare nearby metros

New York, NY — $730,949 (+4.9% 1-yr)
Buffalo, NY — $287,359 (+3.6% 1-yr)
Albany, NY — $373,057 (+5% 1-yr)
Syracuse, NY — $268,949 (+6.6% 1-yr)
Indianapolis, IN — $291,634 (+1% 1-yr)
Louisville, KY — $278,562 (+1.5% 1-yr)

Frequently asked questions

What is the typical home value in Rochester?

The typical home in the Rochester, NY metro area is worth about $281,279 as of September 2026, according to the Zillow Home Value Index (mid-tier homes, seasonally adjusted). That ranks #75 of the 100 largest U.S. metros.

Are home prices in Rochester going up or down?

Over the past 12 months the typical value changed +4.9% (#8 of 100 large metros by 1-year growth). Over 5 years it changed +40.4%, and over 10 years +93.4%. Values are at or near their all-time high.

How much home equity could a Rochester homeowner borrow against?

Lenders typically cap combined loan-to-value at about 85%. On a typical $281,279 home that's $239,087 of total borrowing; after a typical existing mortgage (about 56% of value) roughly $81,571 would remain as a line of credit. This is an illustration, not an offer — your figure depends on your own balance, credit and appraisal.

Data: Zillow Research, Zillow Home Value Index (all homes, mid tier, smoothed and seasonally adjusted), September 2026. Equity figures are illustrative. Download the full dataset.