Is Rochester, NY cheaper than New York, NY?

Based on cost of living data, Rochester, NY is 42.7% cheaper than New York, NY. This translates to saving $3203 per month.

What salary do I need in Rochester, NY to live like I do in New York, NY?

If you earn $150,000 in New York, NY, you'd need approximately $111,564.83 in Rochester, NY to maintain the same standard of living.

How does housing cost compare between New York, NY and Rochester, NY?

Housing in Rochester, NY is 72.4% cheaper than in New York, NY. For a two-bedroom apartment, rent is $1,633/month in Rochester, NY compared to $3,590/month in New York, NY.

How much can I save per month by moving from New York, NY to Rochester, NY?

Moving from New York, NY to Rochester, NY could save you approximately $3203 per month, or $38435 per year, based on a $150,000 salary.

New York, NY vs Rochester, NY: Cost of Living Comparison 2026

Tap to swap

Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in New York, NY

Numbers update automatically as you type

You'd save $3.2K/month moving to Rochester, NY

$150.0K in your current city equals $111.6K in Rochester, NY

Rent data from HUD ZIP-level estimates · COL index from New York-Newark-Jersey City, NY-NJ-PA area

Overall Cost

↓ 42.7%

Less expensive

Monthly Impact

$3,203

Savings

Annual Impact

$38.4K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

New York, NY

Population:8337K

Cost Index:

100

100 = national average

Median Home:$1.05M

Rochester, NY

Population:207K

Cost Index:

(43% below avg)

Median Home:$198K

New York, NY

The Empire State

8.3M

Population

State Tax

Yes

Climate

Humid subtropical

Notable Facts

•Most populous city in the US
•Major global financial center
•World-renowned cultural hub

Major Industries

FinanceReal EstateTechnologyMedia

Rochester, NY

The Empire State

207K

Population

State Tax

Yes

Located in New York, this city has a population of 207K residents.

Cost Breakdown by Category

Annual spending: New York, NY vs Rochester, NY

Category	New York, NY	Rochester, NY	Difference	Change
Housing	$7,648/mo	$2,108/mo	↓ $5,540less	72.4%
Other	$2,034/mo	$1,738/mo	↓ $296less	14.5%
Transportation	$1,602/mo	$1,315/mo	↓ $287less	17.9%
Healthcare	$688/mo	$548/mo	↓ $140less	20.4%
Groceries	$1,165/mo	$1,029/mo	↓ $136less	11.7%
All Utilities	$600/mo	$631/mo	↑ $30.79more	5.1%

Housing

↓ 72.4%

New York, NY

$7,648

Rochester, NY

$2,108

Difference

$5,540

less

Other

↓ 14.5%

New York, NY

$2,034

Rochester, NY

$1,738

Difference

$296

less

Transportation

↓ 17.9%

New York, NY

$1,602

Rochester, NY

$1,315

Difference

$287

less

Healthcare

↓ 20.4%

New York, NY

$688

Rochester, NY

$548

Difference

$140

less

Groceries

↓ 11.7%

New York, NY

$1,165

Rochester, NY

$1,029

Difference

$136

less

All Utilities

↑ 5.1%

New York, NY

$600

Rochester, NY

$631

Difference

$30.79

🏛️ Local Income Taxes

New York, NY: NYC Income Tax$5,689/yr (3.8%)

Rochester, NY has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio

From$3,120

To$1,157

↓ $1,963

1 Bed

From$3,270

To$1,309

↓ $1,961

2 Bed

From$3,590

To$1,633

↓ $1,957

3 Bed

From$4,500

To$1,968

↓ $2,532

New York, NYZIP-level data

1BR range: $2,260–$3,990/mo

Rochester, NYZIP-level data

1BR range: $1,050–$1,880/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$13,737

Monthly in New York, NY

$7,368

Monthly in Rochester, NY

$6,369

Difference

Home Values

New York

Rochester

$1.05M

Median Value

$198K

↓ -0.1%

YoY Change

↑ +2.3%

↓ -5.9%

5-Year Change

↑ +45.8%

$471K - $3.49M

Price Range

$90K - $334K

Homes in Rochester are 81% less expensive than New York

Calculate payment - New York Calculate payment - Rochester

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

New York, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

Rochester, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

Additional Tax Information

New York, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

Rochester, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.