How Much Does It Cost to Live in Rochester, New York?

Rochester is a medium city located in New York with a metropolitan area population of 210,532. A couple could live a moderate lifestyle in Rochester on a budget of $2,789 per month, or $33,473 per year.

Cost of Living in Rochester, New York

As noted above, the cost of living in Rochester, New York is $2,789 per month for a couple living a moderate lifestyle. This budget consists of $1,422 for housing related costs, $616 for food, and $751 for other costs, all of which will be broken down below.


  • A one-bedroom apartment in the city center of Rochester is estimated to cost $1,170
  • Basic utilities including electricity, water, and gas will run about $171
  • High-speed internet averages $81


  • Typical grocery costs of $411 per month include things like bread, eggs, milk, cheese, rice, chicken breast, bottled water, fruits, and vegetables
  • Alcohol including beer and wine for moderate home consumption costs about $112
  • Frequent coffees in a neighborhood café are estimated to be about $93


  • Meals out are estimated to be $450 per month, including 4 meals in mid-range restaurants and 8 in inexpensive restaurants
  • Transportation costs of $140 for public transport passes and occasional taxis
  • Fitness center memberships of $101
  • Cinema tickets of $60 include several outings for international releases

Note that Rochester, New York is a very walkable city with a Walk Score of 81/100, which means you won’t need a car if you are living in the city center and you may even save some money by not using public transportation and taxis very often.


Amount of Money Needed to Retire in Rochester, New York

Many people searching the internet for the cost of living in Rochester, New York are doing so to see if and when they can quit their jobs and retire. A popular and easy way to calculate your retirement number is using the 4% Rule.

The 4% Rule estimates that a person(s) could withdraw 4% of their retirement nest egg and never run out of money. Using this calculation, a couple would need an investment portfolio of $836,814 to live a moderate lifestyle in Rochester, New York.

Annual expenses of $33,473 ÷ 4% = $836,814 portfolio needed.

Of course, everyone’s financial situation is different, and the above calculation could change based on any other sources of passive income and social security income.


Overall, the cost of living in Rochester, New York is affordable coming in at $2,789 for a couple living a moderate lifestyle. Those seeking to retire could do so comfortably with a retirement portfolio of $836,814.