Rochester
Investment Analysis

Rochester, NY
Investor Report

Comprehensive real estate investment analysis with cap rates, rental yields, and risk assessment.

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58
Investment Score
Strong Buy
Cap Rate (Est.)
1.0%
Gross Yield
1.7%
P/R Ratio
14.2x
YoY Growth
+2.4%
Median Home Price
$731,000
Average Rent (1BR)
$1,050/mo
Median Income
$48,618
Population
207,264

Investment Breakdown

57
Value Score
74
Growth Score
43
Safety Score
52
Afford Score

Rochester has a price-to-rent ratio of 14.2x, which indicates buying is significantly better than renting.

The estimated cap rate of 1.0% is below average, typical of appreciation-focused markets.

Year-over-year price growth of +2.4% indicates stable market conditions.

Rental Cash Flow Analysis

Monthly Income

Gross Rent $1,050
Annual Gross $12,600

Est. Monthly Expenses

Property Tax (~1.5%) -$914
Insurance (~0.5%) -$305
Maintenance (~1%) -$609
Est. Net Cash Flow -$778/mo

Job Market

Unemployment 4.3%
National avg: 3.7%
Job Growth (YoY) +0.8%

Healthcare

80
Score
Excellent

Risk Factors

High Crime Area

Market Activity

Source: Redfin ยท 2026-01-31
Sale-to-List 106.4%
Months Supply 1.4
Price Drops 25%
Gone in 2 Wks 43%

Market Position

Affordability Below Avg
Safety Higher Risk

ROI Projector Estimate your total return

Adjust the sliders to model different investment scenarios for Rochester.

Total ROI
-124%
on $146,200 invested
Annual ROI
NaN%
compounded
Total Return
-$181,310
appreciation + cashflow
Mo. Cash Flow
-$4,642
year 1 estimate
Equity Growth Over 5 Years
Y1170kY2194kY3219kY4245kY5272k
Appreciation
$91,631
Cash Flow
-$272,941
Final Equity
$272,101

* Estimates based on 2.4% annual appreciation, 3% rent growth, 5% vacancy. Does not include closing costs, tax benefits, or capital gains tax. For illustrative purposes only.

Rental Investment Calculator Estimate your monthly cashflow

Rental Income Estimator

Pre-filled for Rochester

Property

Purchase Price$731,000
Monthly Rent$1,050
Down Payment20%

Financing

Interest Rate6.5%

Expenses

Property Tax1.2%
Insurance (Annual)$1,500
Maintenance Reserve1%
Vacancy Rate5%
Property Management0%
HOA (Monthly)$0
-$4,164
Monthly Cash Flow
-$49,968/ year
-34.2%
Cash-on-Cash
-0.8%
Cap Rate

Monthly Breakdown

+ Rental Income$1,050
โˆ’ Mortgage (P&I)$3,696
โˆ’ Property Tax$731
โˆ’ Insurance$125
โˆ’ Maintenance$609
โˆ’ Vacancy Loss$53
= Net Cash Flow-$4,164

Investment Summary

Down Payment
$146,200
Loan Amount
$584,800
Total Monthly Expenses
$5,214
Gross Yield
1.7%

Disclaimer: This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be made after consulting with qualified professionals. Data sources include Zillow, Census Bureau, and BLS. Cap rates and yields are estimates based on available data.

Last updated: March 2026