Rochester, NY

Cost of Living in Rochester, NY (2026): Rent, Utilities & Take-Home

$3,083/mo in Rochester. $2,532 left each month. Prices 7% below the US average.

Compare vs Chicago Rank metros from RochesterHow we figure this

Monthly costs

Take-home $5,615/mo.

Taxes$1,889
Rent$1,208
Other living costs$1,875
Left over$2,532

Pay and tax, per year

Gross household pay: $90,057
Federal income tax: −$11,427
Social Security and Medicare: −$6,889
State income tax (NY): −$4,355
Take-home pay: $67,386
Effective tax rate: 25.2%

Living costs, per month

Rent, 1br: $1,208
Groceries: $372
Getting around: $526
Healthcare: $419
Utilities and internet: $233
Everything else: $326
Total spending: $3,083

Left over each month

$7,505 gross, minus $1,889 in tax and $3,083 in living costs.

$2,532

Average electric bill in New York

About $238 a month for a household using 900 kWh. That is the EIA residential price for New York in 2025, 26.39¢ per kWh. It is a state average, not a Rochester utility bill, and the utilities line in the monthly costs above already includes a modelled power cost.

Moving from Rochester

Rochester → New York · $1,284 less

Cost of Living in Rochester, NY (2026): Rent, Utilities & Take-Home

Monthly costs

Pay and tax, per year

Living costs, per month

Average electric bill in New York

Moving from Rochester

Take-home by job in Rochester

Other New York metros

Compare Rochester