B+
Overall 14%
Goods & Services 3%
Housing 52%
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The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
IndexCentral Business DistrictRochesterNew York
Cost of living8688119
Goods & Services103103110
Groceries100100113
Health care103103101
Housing4854145
Transportation108108108
Utilities939398

Key findings

  • The cost of living in Central Business District is 28% lower than the Rochester average
  • The cost of living in Central Business District is 14% lower than the national average
  • Central Business District housing is 52% lower than the national average
  • New York general sales tax is 21% lower than the national average
  • New York state income tax is 62% higher than the national average

Most Affordable Places to Live in and Around Central Business District

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Compare Rochester, NY Cost of Living

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      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
      Household$35,651$2,971$832$1,070

      New York Sales Tax

      StateGeneral Sales TaxWith Max Surtax
      New York4%8.875%

      New York Income Tax

      StateIncome Tax (Low)Income Tax (High)
      New York4%8.82%

      Goods & Services

      ItemRochesterNational avg.Difference
      Haircut $21.44$20.275.7%
      Beauty Salon $41.28$40.392.2%
      Toothpaste $1.98$2.3615.9%
      Shampoo $1.03$1.084.0%
      Movie $10.82$10.991.5%
      Bowling $15.57$15.490.5%

      Groceries

      ItemRochesterNational avg.Difference
      Ground Beef $4.42$4.302.9%
      Fried Chicken $1.11$1.4020.4%
      Milk $2.52$2.2014.4%
      Potatoes $2.75$3.2214.7%
      Pizza $12.29$10.7414.4%
      Beer $10.74$9.6011.9%

      Health Care

      ItemRochesterNational avg.Difference
      Optometrist $130.85$109.7319.3%
      Doctor $110.93$118.346.3%
      Dentist $106.79$100.945.8%
      Ibuprofen $9.24$9.936.9%
      Lipitor $504.75$469.537.5%

      Housing

      ItemRochesterNational avg.Difference
      Home Price $77,800.00$184,700.0057.9%
      Avg. Mortgage Payment $1,193.24$1,229.623.0%
      Apartment Rent $779.00$949.0017.9%

      Transportation

      ItemRochesterNational avg.Difference
      Gasoline $2.72$2.710.2%
      Tire Balancing $62.49$51.8620.5%

      Utilities

      ItemRochesterNational avg.Difference
      All Electricity$147.94$170.8413.4%
      Phone $191.59$187.182.4%
      Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

      Nearby cities with low cost of living

      CityPopulationCost of Living IndexNational Avg.
      East Rochester, NY6,679909.8%
      Gates, NY5,178909.6%
      North Gates, NY9,537918.7%
      Caledonia, NY2,117928.0%
      Greece, NY14,892927.7%
      Rochester, NY210,2918812.4%

      Cities with similar population

      CityPopulationCost of Living IndexNational Avg.
      Modesto, CA208,51211212.1%
      Spokane, WA212,078990.6%
      Oakville, ON212,353n/a 
      Birmingham, AL212,4248613.5%
      Des Moines, IA212,8598514.8%
      Rochester, NY210,2918812.4%
      Source: This data reflects 2021 and was released from C2ER in January, 2022; this is the most current data available.