HomeNew YorkMonroe CountyRochester
Rochester, New York: commercial real estate data.
Rochester is a Census city of 208,772 people across 35.76 square miles of land, in Monroe County. Median household income is $47,213, 38.1 percent of occupied homes are owned, and the SBA record carries 747 7(a) approvals to borrowers here worth $190.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Rochester
What Rochester is
- Census place typecity
- Land area35.76 sq mi
- Water area1.41 sq mi
- Population per square mile of land5,838
- County holding the largest share of its areaMonroe County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rochester
How many people live in Rochester
- Population208,772
- Median age33.7
- Population under 1843,617
- Share under 1820.9 percent
- Population 65 and over27,393
- Share 65 and over13.1 percent
- Households93,261
- Family households42,392
- Share of households that are families45.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rochester
Income and work in Rochester
- Median household income$47,213
- Per capita income$31,314
- Civilian labor force105,136
- Employed96,802
- Unemployed8,334
- Unemployment rate7.9 percent
- Adults 25 and over140,328
- Adults 25 and over with a high school diploma or higher84.7 percent
- Adults 25 and over with a bachelor degree or higher30.0 percent
- Adults 25 and over with a graduate degree12.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rochester
Housing in Rochester
- Housing units104,479
- Occupied units93,261
- Vacant units11,218
- Vacancy rate10.7 percent
- Owner occupied35,541
- Renter occupied57,720
- Ownership rate38.1 percent
- Median owner-occupied home value$139,600
- Median gross rent, monthly$1,081
- Annual rent as a share of median income27.5 percent
- Single family units52,024
- Share single family49.8 percent
- Units in buildings of two or more52,078
- Share in buildings of two or more49.8 percent
- Mobile homes328 plus or minus 126
- Median year structure built1938
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rochester
How Rochester gets to work
- Workers 16 and over who commute82,654
- Commuting under 15 minutes30,305
- Share commuting under 15 minutes36.7 percent
- Commuting 30 minutes or more14,143
- Share commuting 30 minutes or more17.1 percent
- Drove alone63.4 percent
- Carpooled10.8 percent
- Public transport5.6 percent
- Walked4.3 percent
- Worked from home12.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rochester
SBA loans in Rochester (7(a))
- Approvals747
- Gross approval$190,050,600
- Average approval$254,418
- Median approval$80,000
- Ninetieth percentile approval$550,000
- Largest approval$5,000,000
- Jobs supported6,169
- Jobs per approval8.3
- Loans with a final outcome152
- Paid in full142
- Charged off10
- Charge-off rate over resolved loans6.6 percent
- Median term120 months
- Share on real estate terms of 20 years or more2.7 percent
- Share to franchises7.1 percent
- Distinct lenders47
- Distinct industries by NAICS237
Counted by borrower city: approvals to borrowers whose address is in Rochester, in any county, FY2020 to FY2026.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Rochester
SBA loans in Rochester (504)
- Approvals147
- Gross approval$89,768,000
- Average approval$610,667
- Median approval$372,000
- Largest approval$4,939,000
- Jobs supported2,088
- Loans with a final outcome48
- Charged off2
- Charge-off rate over resolved loans4.2 percent
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Rochester, in any county, FY2010 to FY2026.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Rochester
Flood risk in Rochester
- NFIP communityCity of Rochester
- NFIP community number360431
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date07/31/24
The City of Rochester participates in the National Flood Insurance Program as community 360431 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Monroe County, not Rochester
Monroe County context, not Rochester figures
- Establishments in Monroe County17,484
- Covered employment, Monroe County382,138
- Average annual pay, Monroe County$66,838
- Housing units permitted, Monroe County1,156
Every figure in this section is published for Monroe County as a whole and is not a measurement of Rochester.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Rochester questions, answered from the record.
How many people live in Rochester, New York?
208,772, in 93,261 households. Rochester city covers 35.76 square miles of land, which is 5,838 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Rochester in?
Monroe County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Rochester?
$47,213. The median owner-occupied home is valued at $139,600. Median gross rent is $1,081 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Rochester businesses?
747 7(a) approvals totaling $190.1 m since FY2020, across 47 lenders, median approval $80,000, plus 147 504 approvals worth $89.8 m since FY2010. These count approvals to borrowers whose address is in Rochester, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Rochester borrowers get paid back?
Of the 152 loans that have reached a final outcome, 142 were paid in full and 10 charged off, a charge off rate of 6.6 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Rochester in the National Flood Insurance Program?
Yes. Rochester appears in the FEMA Community Status Book as Rochester, city of, community 360431, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Rochester figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Monroe County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Rochester.
Is zoning published for Rochester?
No. Nothing on this page presents parcel level zoning.