Wondering how far your dollar stretches in Rochester compared to Syracuse? Below we break down housing costs, rent, taxes, income, and quality of life using 2026 data so you can make an informed relocation or remote-work decision. Every number is computed from Census, BLS, and Zillow data specific to these two metro areas.
| Rochester | Metric | Syracuse | Difference |
|---|---|---|---|
| 86 | Cost of Living Index | 86 | +0.0% |
| $185,000 | Median Home Price | $175,000 | -5.4% |
| $1,250 | Median Monthly Rent | $1,050 | -16.0% |
| $56,200 | Median Household Income | $52,200 | -7.1% |
| 2.6% | Property Tax Rate | 2.4% | -7.7% |
| 3.8% | Unemployment Rate | 4.6% | +21.1% |
| 21 min | Average Commute | 22 min | +4.8% |
| 37.5 | Median Age | 35.8 | -4.5% |
| 1,090,000 | Metro Population | 660,000 | -39.4% |
Data sourced from Census Bureau, BLS, Zillow, and ApartmentAdvisor (2024-2025). COL Index: 100 = national average.
Monthly mortgage assumes 6.5% interest, 30-year fixed, 20.0%down payment. PITI includes principal, interest, property tax, and homeowner's insurance.
Buying a home in Rochester costs $1,390/month (PITI) compared to $1,286/month in Syracuse — a difference of $104/month or $1,248/year. The price-to-income ratio is 3.3x in Rochester versus 3.4x in Syracuse, suggesting Rochester is relatively more affordable for homebuyers relative to local incomes. At a 15% savings rate, it takes 4.4 years to save a down payment in Rochester compared to 4.5 years in Syracuse.
Estimated on each city's median household income, single filer, standard deduction, 2025 rates.
| Tax Category | Rochester | Syracuse |
|---|---|---|
| Gross Income | $56,200 | $52,200 |
| State Income Tax | $2,486 | $2,266 |
| Federal Income Tax | $4,615 | $4,135 |
| FICA (SS + Medicare) | $4,299 | $3,993 |
| Property Tax (on median home) | $4,810/yr | $4,200/yr |
| State Sales Tax Rate | 4.0% | 4.0% |
| Total Tax Burden | $11,400 (20.3%) | $10,394 (19.9%) |
| Take-Home Pay | $44,800 | $41,806 |
On median household income, total taxes (federal + state + FICA) come to $11,400 in Rochester (20.3% effective) versus $10,394 in Syracuse (19.9% effective). After taxes, take-home pay is $44,800 in Rochester and $41,806 in Syracuse. Property taxes add $4,810/year on the median Rochester home versus $4,200/year in Syracuse.
These figures adjust for cost of living using the formula: adjusted = salary × (COL_destination / COL_origin). If you earn $56,200 in Rochester (COL 86) and relocate to Syracuse (COL 86), you would need $56,200 to maintain the same purchasing power. This means your salary should stay roughly the same.
Beyond costs, quality of life matters. The average commute in Rochester is 21 minutes versus 22 minutes in Syracuse, a difference of 1 minutes each way. Rochester's lower unemployment rate of 3.8% versus 4.6% suggests a stronger job market. Rochester skews slightly older with a median age of 37.5 vs 35.8 in Syracuse.
Rochester and Syracuse have very similar costs of living, with COL indices of 86 and 86 respectively (national average = 100). Day-to-day expenses, housing, and taxes are comparable between the two metro areas.
The median home price in Syracuse is $175,000, which is $10,000 more than Rochester's median of $185,000. Monthly rent follows a similar pattern: $1,050/month in Syracuse vs $1,250/month in Rochester, a difference of $200/month or $2,400/year.
To maintain the same standard of living, a $56,200 salary in Rochester is equivalent to $56,200 in Syracuse. This is based on the cost of living index ratio: Rochester's COL index of 86 vs Syracuse's 86. Conversely, $52,200 in Syracuse equals $52,200 in Rochester.
On a median household income, the combined federal, state, and FICA tax burden is $11,400 (20.3% effective rate) in Rochester vs $10,394 (19.9% effective rate) in Syracuse. Property taxes on the median home are $4,810/year in Rochester (2.6% rate) vs $4,200/year in Syracuse (2.4% rate). Sales tax rates are 4.0% in New York and 4.0% in New York.
Rochester median household income: $56,200/yr. Syracuse median household income: $52,200/yr (Census ACS).
Median monthly rent: $1,250 in Rochester vs $1,050 in Syracuse. Annualized that is $15,000 vs $12,600.
Rochester offers a lower cost of living (index 86 vs 86), which lets remote-workers keeping a coastal salary stretch further. Syracuse typically wins on amenities and labor-market depth.
Rochester and Syracuse numbers are pulled from Zillow ZHVI/ZORI (home values, rent), the U.S. Census Bureau ACS (income, demographics), and BEA RPP (cost-of-living index). Each value is timestamped on the page.
Source feeds (Zillow, Freddie Mac PMMS, Census ACS, BEA RPP) are refreshed on their native cadence. Page caches revalidate every 24 hours via Next.js ISR.
No. The Rochester vs Syracuse cost-of-living page is educational reference using public data and standard formulas. It is not personalized tax, legal, or investment advice. Consult a licensed professional for material decisions.
Home prices use Zillow Home Value Index (ZHVI)[1]; rents use Zillow Observed Rent Index (ZORI)[1]. Median household income comes from the Census ACS 5-year estimates[2].
COL indices use the BEA Regional Price Parity methodology[3], normalized so 100 = national average.
Property tax rates are effective rates from the Tax Foundation[4], expressed as % of owner-occupied home value. Mortgage estimates assume 6.5% fixed rate[5], 30-year term, 20.0% down, $1,800/yr homeowners insurance.
Federal tax calculations[6] assume single filer, standard deduction. State tax uses the top marginal rate times taxable income after the state standard deduction. FICA = 6.2% Social Security (up to wage base) + 1.45% Medicare.
Salary equivalence uses adjusted = salary × (COL_destination / COL_origin). This captures cost-of-living shift but not state income tax differences.
Unemployment figures are the most recent monthly MSA-level readings from the BLS LAUS series[7].
Last reviewed is computed from the maximum retrievedAt across every source this page consumes.
City data from Census Bureau[2], BLS[7], and Zillow[1] (2024-2025). Tax calculations use 2025 IRS rates[6], single filer, standard deduction. Mortgage estimates assume 6.5% PMMS rate[5], 30-year term, 20.0% down. COL Index: 100 = national average[3]. Last reviewed .