DSCRUpdated September 18, 2026 · Zillow bottom-tier ZHVI + ZORI metro data
Rochester, NY, Investor Yield Index
Rochester scores 79/100 (grade A) and ranks #12 of 25tracked metros for rental cash flow. At the Rochester metro median of $188,484 renting near$1,536/mo, the estimated DSCR is 1.00 at a 6.80% loan rate,which is below the 1.2 lender minimum.
Median-level estimates from Zillow research data, not a live quote. Run your real numbers below.
Index 79/100 · rank #12
Cap rate
Gross yield
Median price
DSCR
Cash-on-cash
Monthly rent
GRM
Run the numbers on a Rochester deal
Pre-filled with Rochester medians. Adjust price, rent, and rate to your actual deal.
Assumptions: 25% down + 3% closing costs, 40% opex/vacancy load 30-year amortization. Lenders typically require DSCR ≥ 1.2. Estimates, not a quote.
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Common questions about Rochester
Is Rochester, NY a good market for rental investors in 2026?
On the Investor Yield Index it scores 79/100 (grade A), ranking #12 of 25 tracked metros. The median price is $188,484 with rent around $1,536/mo, producing an estimated 5.87% cap rate and 1.00 DSCR at a 6.80% financing rate. At today's rates few U.S. metros clear positive cash flow on default terms, so the score is best read as where Rochester stands relative to other markets.
What is the cap rate in Rochester?
The model estimates a 5.87% cap rate at the median price-to-rent ratio, assuming a 40% operating-expense load. Your actual cap rate depends on the specific property and expenses.
Will a rental in Rochester qualify for a DSCR loan?
It’s tight. The estimated DSCR of 1.00 is below the typical 1.2 minimum at 6.80%; a larger down payment or rate buydown may be needed to qualify.
Where does the data on this page come from?
Zillow's public research files. Bottom-tier metro ZHVI for home values and metro ZORI for rents, both as of September 2026. Metrics recompute weekly from the raw CSVs.
Markets ranked near Rochester
The closest metros above and below Rochester on the index, plus the top markets for comparison.
Tulsa, OK
Tampa, FL
Indianapolis, IN
El Paso, TX
San Antonio, TX
Houston, TX
Kansas City, MO
Columbus, OH
Cleveland, OH
Index assumptions, 25% down, a 40% operating-expense load, 30-year amortization, and a 6.80%loan rate. DSCR is net operating income divided by annual debt service, lenders typically want at least 1.2. Cap rate, gross yield, DSCR, and cash-on-cash are weighted 30, 20, 30, and 20 percent. Prices and rents are metro-level medians for relative comparison, not live quotes or investment advice.