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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Rochester, PA Housing Affordability Index

Rochester, Pennsylvania has an MBR Housing Affordability Index score of 120.8 (Highly Affordable) as of October 30, 2026, ranking 889th most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $116,800 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $636, or 18% of the city’s $43,080 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Rochester is updated every night from live Pennsylvania mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Rochester MBR-HAI 120.8 Highly Affordable
Rank in Pennsylvania 889 of 1,325 1 = most affordable
Pennsylvania 108.3 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.23% Pennsylvania lenders
Median home value $116,800 U.S. Census Bureau

Rochester is 12.5 points above the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View Rochester Mortgage Rates

What It Takes to Buy in Rochester

$636/mo
Principal & Interest
Median home, 20% down, 7.23%
$27,300
Income Needed
To keep the payment at 28% of income
$43,080
Median Household Income
Pennsylvania: $77,971
2.7x
Price-to-Income Ratio
Pennsylvania: 3.3x
$983/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,857/yr
Median Property Tax
1.59% of median value
40.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
38.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Rochester, Pennsylvania. The rate is the Pennsylvania average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Rochester Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Rochester, Pennsylvania score: 120.8 (Highly Affordable), ranked 889 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/rochester”