Short answer: As of October 29, 2026, $200,000 buys a single-family home of roughly 1,450 square feet with about 3 bedrooms and 1 to 2 bathrooms in Monroe County, NY, at about $147 per square foot. About 91 homes are listed between $180,000 and $220,000, mostly in the city of Rochester and Greece, NY, and the budget goes furthest in the city of Rochester and Sweden, NY (about $133 to $140 per sq ft).
Key takeaways
- About 91 single-family homes were listed for sale between $180,000 and $220,000 in Monroe County, NY on October 29, 2026, averaging about 1,450 sq ft, 3.2 bedrooms and 1.7 baths.
- About 289 homes listed in the same range sold in Monroe County in the past three months, more than three times the number for sale now.
- The city of Rochester offers the most space and choice: 28 listings averaging about 1,550 sq ft at roughly $140 per sq ft.
- Irondequoit and Gates are the tightest of the towns with listings, at about $159 per sq ft and 1,330 to 1,380 sq ft; Webster and Pittsford had none in this range.
- At the Freddie Mac 30-year average of 7.32% (October 22, 2026), a $200,000 home with 20 percent down costs about $1,100 a month in principal and interest.
How much house does $200,000 buy in Monroe County?
In Monroe County, NY, $200,000 typically buys a single-family home of about 1,450 square feet with about 3 bedrooms and 1 to 2 bathrooms, based on 91 active listings between $180,000 and $220,000 on October 29, 2026. That works out to about $147 per square foot county-wide.
The 289 homes in this band that sold over the past three months averaged about 1,400 sq ft, 3.1 bedrooms and $150 per sq ft. Compare our earlier looks at what $250,000 buys and what $350,000 buys in Monroe County.
| Town | Homes for sale | Avg. size (sq ft) | Avg. beds | Price per sq ft | Typical year built |
|---|---|---|---|---|---|
| Sweden (Brockport) | 4 | 1,470 | 3.0 | $133 | 1962 |
| Rochester (city) | 28 | 1,550 | 3.2 | $140 | 1920 |
| Greece | 27 | 1,390 | 3.3 | $148 | 1958 |
| Chili | 4 | 1,500 | 3.5 | $148 | 1971 |
| Gates | 7 | 1,380 | 2.9 | $159 | 1960 |
| Irondequoit | 11 | 1,330 | 2.9 | $159 | 1938 |
| Henrietta, Penfield, Brighton, Webster, Pittsford, Perinton (Fairport) | Few or no listings right now | ||||
| Monroe County (all) | 91 | 1,450 | 3.2 | $147 | - |
Source: live MLS data on norchar.com, active single-family listings priced $180,000 to $220,000, as of October 29, 2026. Figures rounded. "Typical year built" is the median of the listings returned for each town.
Where does $200,000 go furthest?
As of October 29, 2026, $200,000 goes furthest in the city of Rochester, NY and the town of Sweden, NY (Monroe County). Rochester's 28 listings in this range average about 1,550 square feet at roughly $140 per square foot, and Sweden's 4 listings average about 1,470 square feet at $133 per square foot.
The trade-off in the city is age: the typical listing here was built around 1920. Chili, NY averages about 1,500 sq ft and 3.5 bedrooms at $148 per sq ft, and Greece, NY matches that price with far more choice (27 listings).
Where is $200,000 tightest?
As of October 29, 2026, $200,000 is tightest in Irondequoit, NY and Gates, NY among towns with listings. Both average about $159 per square foot, with Irondequoit's 11 listings averaging about 1,330 square feet and Gates' 7 listings about 1,380 square feet, the smallest in our comparison.
Webster, Pittsford and Perinton (Fairport) had no single-family listings in this range, and Henrietta, Penfield and Brighton had one or two each. Our Penfield, NY and Brighton, NY town spotlights cover what those markets look like at higher prices.
What is the monthly payment on a $200,000 home in Rochester?
With 20 percent down ($40,000) on a $200,000 home in Rochester, NY, the $160,000 loan costs about $1,100 a month in principal and interest at 7.32%, the Freddie Mac 30-year fixed average for the week of October 22, 2026. Property taxes and homeowners insurance are extra and vary by town.
Each quarter-point move in rates changes this payment by roughly $27 a month. See the Freddie Mac Primary Mortgage Market Survey for the latest weekly rate, and our Fall 2026 Rochester housing market update for county-wide prices and days on market.
Tips for buyers at $200,000
- Compare price per square foot, not just list price: right now the same budget buys about 220 more square feet, on average, in the city of Rochester than in Irondequoit.
- Budget for older systems. The typical listing in this range was built around 1920 in the city of Rochester and 1938 in Irondequoit, so check the roof, furnace, electrical service and sewer line.
- Get pre-approved before you shop. With about 289 sales in this range over three months and 91 homes listed now, well-priced homes move quickly.
- Look west if you want a suburb at this price: Greece, Gates, Chili and Sweden had 42 listings between them, while Webster and Pittsford had none.
Frequently asked questions
How many homes are for sale around $200,000 in Monroe County, NY?
As of October 29, 2026, about 91 single-family homes were listed between $180,000 and $220,000 in Monroe County, NY. The city of Rochester (28 listings) and Greece (27 listings) had the most.
What size home can I get for $200,000 near Rochester, NY?
Homes in this range average about 1,450 square feet with about 3 bedrooms and 1 to 2 bathrooms. Listings in the city of Rochester average closer to 1,550 square feet.
What is the monthly payment on a $200,000 house with 20 percent down?
At the Freddie Mac 30-year average of 7.32% for the week of October 22, 2026, principal and interest on a $160,000 loan is about $1,100 a month. Property taxes and insurance are not included.
Can I buy a $200,000 single-family home in Pittsford, Penfield or Webster, NY?
Very few are available. As of October 29, 2026, Pittsford and Webster had no single-family listings between $180,000 and $220,000 and Penfield had 2, so most homes at this price are in the city of Rochester, Greece, Irondequoit and Gates.
Do homes around $200,000 sell quickly in Monroe County?
Yes. About 289 homes listed in this price range sold in Monroe County in the past three months, more than three times the 91 on the market now.
Want to see what's available in your price range?
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Want to see what's available in your price range? Call the NORCHAR team at 585.244.4444.
Figures reflect active single-family listings on the MLS as of October 29, 2026 and change daily. Payment estimate assumes a 30-year fixed loan, 20 percent down, excluding taxes and insurance.