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Rochester Mortgage Calculator

Estimate your true cost of homeownership in Rochester with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,272
P&I Payment$892
Taxes & Ins$131
Utilities$249
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Mortgage Details

$166,366
Local Median: $166,366
$33,273 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$1,272

Monthly Breakdown

Principal & Interest
$892
Property Taxes
$61
Homeowners Ins.
$70
Utilities
$249

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$187,964

Local Housing Facts for Rochester

  • ·Median home value: $166,366 (adjusted for current market conditions)
  • ·Est. property taxes: $736/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $835/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,990/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in Rochester?

Based on the local median home value, estimated real estate property taxes in Rochester are around $736 per year.

What is the average home price in Rochester?

The median home value in Rochester is currently estimated at $166,366.

How much does homeowners insurance cost in Rochester?

For a median priced home, homeowners insurance in Rochester averages around $835 annually.

What is the true total cost of owning a home in Rochester?

True homeownership costs go beyond principal and interest. In Rochester, a typical homeowner with a median-priced home of $166,366 can expect to pay roughly $736/yr in property taxes, $835/yr for homeowners insurance, and $2,990/yr in energy utilities. That adds approximately $380 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.