Real Estate Investing in Rochester, New York (14607)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Monroe County • Population: 17,577 • Data updated: September 2026

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Should you buy in 14607 (Rochester, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (51/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • Elevated vacancy: 8.4% vacancy may signal weakening demand.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

What’s happening in Rochester, NY (14607)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $359,821
Avg Monthly Rent $1,355
1% Rule ✗ Does Not Meet
Median Income $53,281
% Renters 82.0%

Market Analysis: 14607 Rochester

Not every below-median market is a bargain. Rochester's 14607 ZIP posts signals that favor experienced operators who can absorb the risk $360K pricing implies.

The 14607 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

Statewide comparisons place 14607 among NY's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

Resident income in 14607 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

Strategy in 14607 is an operator game, not a passive one. Meanwhile, entry prices of $360K are inviting, the management lift is real and non-optional.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Rochester:

C Below Average
Buy Confidence Score: 59/100
Affordability
5/25
Appreciation
22/25
Stability
11/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 6.8× the median income
Value Trend
Rising (+5.8%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,355/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
☀️
WARM MARKET
Rochester, NY Metro Area
Seller-favorable conditions, steady activity
20 days
Average time to sell
Fast
7.3%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Rochester, NY metro data
🏠

Property Strategy for 14607

Which property type performs best in this market?

Best for Cash Flow
2BR
5.0% cap rate
Best for Appreciation
4BR
+7.9% 5yr CAGR
Best Overall Value
4BR
$95,612/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $257,714 $1,780 5.0% +6.8% $128,857
3BR $310,835 $2,140 5.0% +7.0% $103,612
4BR $382,450 $2,360 4.4% +7.9% $95,612
5BR $485,461 +7.9% $97,092

Market Trends

Home Value History (with trend line)

$384K$335K$287K$238K$190K$141KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$1,516$1,363$1,210$1,056$903$749Jul 2016Jul 2021Jul 2026

📊 How Does 14607 Compare?

Metric 14607 Rochester Rochester, NY New York
Home Value $359,821 $98,952 N/A $505,608
5-Year CAGR 5.6% 7.0% N/A 6.6%
Avg Rent $1,355 $1,517 N/A -
Cap Rate 2.9% 5.6% - -
💡 Why Invest in 14607? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

82% of households rent in this area, creating consistent tenant demand for landlords.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 14607 (Rochester, NY). Anonymous, moderated, never written by AI.

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Property managers serving Monroe County

Manage rentals here? List your business →

Turn-Key Property Management is a full-service company specializing in residential properties of all sizes, serving the community since 1983. summary from their website

Single-family
Unclaimed — is this your business? Claim it free

Gallagher Property Management helps individuals find their perfect rental home and provides property management services. summary from their website

Unclaimed — is this your business? Claim it free
Unclaimed — is this your business? Claim it free

Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
2.9%
Low
5yr Growth
+5.6%
Moderate

📉 Market Crash Risk Index

Based on Rochester, NY metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
13%
Days Pending
0/2
20 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $359,821
Monthly Rent $1,355
Price-to-Rent 22.1:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.5%
Cap Rate 2.9%
5-Year IRR 8.6%

📈 Home Appreciation

1-Year +5.8% ▲
3-Year CAGR +3.7% ▲
5-Year CAGR +5.6% ▲
10-Year CAGR +5.8% ▲

🏠 Rent Trends

1-Year +11.4% ▲
3-Year CAGR +6.6% ▲
5-Year CAGR +6.7% ▲
Negative Leverage — IRR / Tax Play Cap Rate: 2.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.9%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
8.4%
Moderate risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+5.6%
Stable
Eviction process: Slow Rent control: Unfavorable

Demographics in 14607

Population: 17,577

💰 Median Household Income
$53,281
This area
$53,281
State
$86,376
USA
$74,580
🏠 Renter Occupied
82.0%
This area
82.0%
State
26.4%
USA
34.0%
💼 Unemployment Rate
5.3%
This area
5.3%
State
-24.2%
USA
3.7%
🎓 College Educated
59.1%
This area
59.1%
State
4.2%
USA
33.7%
👤 Median Age
31.6 years
This area
31.6 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
8.4%
This area
8.4%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 81.3%
Black/African American 8.8%
Other/Mixed 7.7%
Hispanic/Latino 4.5%
Asian 2.3%
👶 Under 18
5.4%
This area
5.4%
USA
22.0%
👴 65 and Over
13.2%
This area
13.2%
USA
17.3%
📊 Poverty Rate
14.0%
This area
14.0%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 14607

A+ Avg School Grade
7 Schools
10.1:1 Avg Class Size
$33,917 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

JAMES MONROE UPPER SCHOOL

📚 09 – 12 High School
👥
649 Students
👨‍🏫
9.6:1 Class Size
💰
$37,182 Per Student
A+ Excellent

SCHOOL 23-FRANCIS PARKER

📚 Pre-K – 06 School
👥
307 Students
👨‍🏫
11.2:1 Class Size
💰
$37,182 Per Student
A+ Excellent

MONROE LOWER SCHOOL

📚 07 – 08 Middle
👥
230 Students
👨‍🏫
9.4:1 Class Size
💰
$37,182 Per Student
A+ Excellent

SCHOOL WITHOUT WALLS

📚 09 – 12 High School
👥
260 Students
👨‍🏫
9.0:1 Class Size
💰
$37,182 Per Student
A+ Excellent

SCHOOL OF THE ARTS

📚 07 – 12 High School
👥
1,058 Students
👨‍🏫
11.1:1 Class Size
💰
$37,182 Per Student
A Very Good

GENESEE COMMUNITY CHARTER SCHOOL

📚 K – 06 School Charter
👥
223 Students
👨‍🏫
11.5:1 Class Size
💰
$17,589 Per Student
B Good

INNOVA GIRLS ACADEMY CHARTER SCHOOL

📚 K – 02 Elementary Charter
👥
116 Students
👨‍🏫
8.9:1 Class Size

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

A+ Excellent

EAST IRONDEQUOIT MIDDLE SCHOOL

📚 06 – 08 Middle
📍 155 DENSMORE RD, ROCHESTER
👥
651 Students
👨‍🏫
9.8:1 Class Size
💰
$32,400 Per Student
A+ Excellent

EAST LOWER SCHOOL

📚 06 – 08 Middle
📍 1801 E MAIN ST, ROCHESTER
👥
363 Students
👨‍🏫
7.9:1 Class Size
💰
$37,182 Per Student
A+ Excellent

EAST UPPER HIGH SCHOOL

📚 09 – 12 High School
📍 1801 E MAIN ST, ROCHESTER
👥
780 Students
👨‍🏫
8.2:1 Class Size
💰
$37,182 Per Student
A+ Excellent

HELENDALE ROAD PRIMARY SCHOOL

📚 Pre-K – 02 Elementary
📍 220 HELENDALE RD, ROCHESTER
👥
314 Students
👨‍🏫
11.3:1 Class Size
💰
$32,400 Per Student
A+ Excellent

SCHOOL 15-CHILDREN'S SCHOOL OF ROCHESTER (THE)

📚 Pre-K – 06 School
📍 85 HILLSIDE AVE, ROCHESTER
👥
372 Students
👨‍🏫
11.4:1 Class Size
💰
$37,182 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

8 Nearby 2,149 Off-Campus Students
D
Colgate Rochester Crozer Divinity School
63 students · 0.6 mi
C
Talmudical Institute of Upstate New York
18 students · 0.7 mi
B+
University of Rochester
12,160 students · 2.8 mi
C
Isabella Graham Hart School of Practical Nursing
160 students · 3.3 mi
C+
Monroe Community College
8,530 students · 3.6 mi
C
Shear Ego International School of Hair Design
133 students · 4.0 mi
C+
Sharp Edgez Barber Institute
63 students · 4.2 mi
C+
St. John Fisher University
3,674 students · 4.4 mi

Investor Insight: With 2,149 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What is the smart move for investors in Rochester, NY?

Most investors in Rochester, NY run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.

How expensive is real estate in Rochester, NY?

The median home value in Rochester, NY is roughly $360K. That puts it reasonable relative to the NY statewide average.

How does Rochester, NY stack up for property investment?

Rochester, NY clocks in at an investability rating of 3.0/5, with median home values near $360K and average rents around $1,355/mo. That combination puts it in the substantial tier for investor interest.

How viable is house hacking in Rochester, NY?

The house hack math a challenging in Rochester, NY. Owner-occupant buyers benefit from the $1,355/mo rents and $360K home values.

What is the typical rental rate in Rochester, NY?

The typical rental in Rochester, NY commands about $1,355/mo monthly. That rent profile consistent cash flow against the $360K purchase basis.

You know 14607 now. You don’t know where it ranks.

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How 14607 ranks in Rochester, NY

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Cash Flow → Appreciation → Affordable → 1% Rule →
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