HomeNew YorkMonroe CountyRochester city
Rochester city, New York: commercial real estate data.
Rochester city 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.
82 sourced place values · tier FULL · 9 sections · 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
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
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Rochester
Flood risk in Rochester
- Listed NFIP communities2
- Of those, participating2
- NFIP community number360861
- Currently effective map date11/18/16
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Monroe County, not Rochester
Monroe County context, not Rochester figures
These are Monroe County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Rochester measurements.
- Establishments in Monroe County17,484
- Employment at those establishments, Monroe County350,205
- Covered employment, Monroe County382,138
- Average annual pay, Monroe County$66,838
- Average weekly wage, Monroe County$1,285
- Housing units permitted, Monroe County1,156
- Of those, single family, Monroe County462
- County product, 2024, Monroe County$65,111,347,000
- County product change over the prior year, Monroe County6.0 percent
- Average income of an arriving household, Monroe County$70,135
Every figure in this section is published for Monroe County as a whole and is not a measurement of Rochester. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $190.1 m, across 47 lenders, median approval $80,000, plus 147 504 approvals worth $89.8 m. 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 community 360861, 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 labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.