The median home in Penfield, New York is valued at $368,936, up 4.0% year over year. Typical monthly rent is $1,554, producing a price-to-rent ratio of 19.8x — near the national average of 18x. Penfield is part of the Rochester, NY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$368,936

+4.0%

Rent$1,554/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Penfield.

Income (annual)

Down Payment

$73,787 on $368,936

Example: $75,000 household income. Change it above to see your own.

Out of reach40.7% of income

Need $109,029/yr to afford.

PITI$2,544

P/I40.7%

Afford$254K

Gap-$115K

P&I $1,866Tax $529Ins $150

Renting $990/mo cheaper ($1,554 rent)6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in New York

Compare Penfield with other housing markets across New York.

Sagaponack$7.21M Water Mill$4.54M Bridgehampton$4.44M Wainscott$3.78M Sands Point$3.18M Amagansett$2.97M Old Westbury$2.85M Quogue$2.77M

Full Rochester, NY analysis

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Penfield, NY