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.
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Home Value$368,936
+4.0%
Rent$1,554/mo
AFFORDABILITYRenting $990/mo cheaper ($1,554 rent)6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.
Enter your income for Penfield.
$73,787 on $368,936
Out of reach — 40.7% of income
Need $109,029/yr to afford.
PITI$2,544
P/I40.7%
Afford$254K
Gap-$115K
P&I $1,866Tax $529Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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Full Rochester, NY analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Rochester, NY metro.
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