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City Housing Verdict

Fairport, NY

Manageable

The cost of living in Fairport, NY is 4% below the national average (Cost Index: 96). Homes here are typically valued around $262,600, compared to the $303,400 national median. The median household income is $99,805 — overall, living costs and earnings are reasonably balanced in this area.

Fairport looks comparatively manageable for household relocation, with 14% rent burden, 2.6x home-price-to-income, and a housing index of 87. Use the assumptions below to test whether your own budget still stays in the safe range.Data Sources: U.S. Census Bureau ACS 2023 · BEA RPP 2023 · Zillow ZHVI

Data Updated: March 2026
Housing Feasibility Verdict
Safe

Based on your household income, housing mode, local rent, home value, property tax, and mortgage assumptions for Fairport.

Monthly Housing
$1,135/mo
Lower of rent or buy scenario
Housing Burden
14%
Healthy
Residual Cash
$6,682/mo
After housing and debt · $2,227/person
Rent vs Buy
Buying can be tested
Main pressure: property tax
Assumptions
Housing Mode
Confidence: MediumHome source: ACSRent source: ACSBEA proxy: msaHousehold size: 3Down payment: 20%Fixed burden: 20%
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Cost Index
96
Average
Based on housing costs · See methodology
Median Home Value
$262,600
Source: Census ACS
National: $303,400
Median Rent
$1,135/mo
Source: Census ACS
National: $1,348/mo
Household Income
$99,805
National: $78,538
Population
5,436
Purchasing Power
132
100 = national baseline

Cost of Living Breakdown

Each index uses 100 as the US national average. A score of 150 means 50% more expensive; 80 means 20% cheaper.

Housing Cost Index
87 / 100
13% below average
Rent Index
84 / 100
16% below average
Goods & Groceries
100 / 100
About the same as most US cities
Utilities
133 / 100
33% higher utility bills
Healthcare & Services
98 / 100
In line with national average
Overall Index
96
Average

Fairport Mortgage Calculator

Pre-filled with the local median home value of $262,600 and New York's property tax rate of 1.72%.

Household Housing Budget

Local median household income is shown only as a place-side affordability input. Personal salary, filing status, and take-home pay analysis belong in salary.city.

Local Household Income
$99,805
Census ACS place context
Rent Burden Estimate
14%
Typical annual rent / local household income
Home Price to Income
2.6x
Typical home value / local household income
Use this section to judge whether Fairport looks structurally manageable for a household budget. For a specific job offer, filing status, payroll taxes, or salary equivalence across cities, run the income-side decision in salary.city.

Property Tax in Fairport, NY

Est. Annual Property Tax
$4,517
Monthly Impact
$376
Added to your mortgage
Effective Rate
1.72%
National avg: ~1.00%

New York Place Tax Context

Tax TypeNew YorkNational Avg
Property Tax Rate1.72%1.00%
Top Income Tax Rate10.9%~5.0%
State Sales Tax8.52%~5.0%

Compare Fairport to Another City

Compare place-side costs such as housing, rent, groceries, utilities, services, and tax context.

Cost of Living Comparison

Compare place-side housing, rent, goods, services, and utility pressure between cities.

Fairport, NY
96
84
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Cost Index Comparison (100 = National Avg)

Housing CostsNational Avg: 100
Fairport, NY: 87
Rent Prices
84

FAQ: Living in Fairport

What is the cost of living like in Fairport, NY?+

Living costs in Fairport land close to the national average, with a Cost Index of 96 (where 100 = the US baseline). Housing is the largest variable: the median home value here is $262,600, and typical monthly rents run around $1,135. Groceries and utilities are in line with what you would find in most US cities.

How does Fairport fit a household housing budget?+

Start with housing. Typical monthly rent is $1,135, while local median household income is $99,805. That implies a rent-burden proxy of about 14% before utilities and other costs. For a specific job offer, filing status, or take-home pay scenario, use salary.city.

How much are taxes in Fairport, NY?+

New York has a progressive state income tax with a top rate of 10.9%. The effective property tax rate is 1.72%. On a home worth $262,600, that translates to roughly $4,517 per year in property taxes. Sales tax (state + local) averages around 8.52% on everyday purchases.

How much does it cost to rent in Fairport, NY?+

The typical monthly rent in Fairport is around $1,135. That's roughly 16% lower than the $1,348 national median. For comparison, the median home value here is $262,600, so buyers should also factor in mortgage payments, property taxes, and insurance.

How much does a house cost in Fairport, NY?+

The median home in Fairport is valued at $262,600. With 20% down and a 6.5% mortgage rate, you'd be looking at roughly $1,328/month for principal and interest alone — before property taxes and insurance. About 66% of residents here own their homes.

Are groceries and utilities expensive in Fairport?+

Grocery prices in Fairport are about average compared to the rest of the US (index: 100, where 100 is the national average). Utility bills (electricity, gas, water) are on the high side (index: 133). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.

What is Fairport, NY like to live in?+

Fairport is a small town with a population of about 5,436. The median age of residents is 45.9, skewing somewhat older — common in established suburban communities. The local poverty rate is 12.88%, near the national average of 12.4%.

Lower-Pressure Alternatives in New York

If Fairport feels tight, start with these same-state cities that look easier on rent burden or buy-side pressure.

Higher-Pressure Comparisons in New York

Use these city pages when you want to compare Fairport against tougher same-state markets before deciding whether the current city is already a stretch.

LC
Reviewed by LivabilityCalc Research Team
Financial Data Analysts · Census & Economic Data Specialists
Data Sources & Methodology
  • Real Estate & Housing: Zillow Home Value Index (ZHVI, Smoothed & Seasonally Adjusted) and Zillow Observed Rent Index (ZORI). Structural fallback utilizes U.S. Census Bureau ACS 5-Year Estimates.
  • Goods, Utilities & Services: U.S. Bureau of Economic Analysis (BEA) Metropolitan Area Regional Price Parities (MARPP), incorporating verified State Nonmetropolitan averages.
  • Mortgage Rates: Freddie Mac 30-Year Fixed Rate Mortgage Average in the United States (PMMS) via Federal Reserve Economic Data (FRED).
  • Tax Context: State-level property, sales, and income-tax context used for place-side relocation planning. Personal take-home pay and offer analysis are handled by salary.city.
  • Index Methodology: Weighting matrix derived from Bureau of Labor Statistics (BLS) Consumer Expenditure Surveys (CEX) distributional models. Baseline standardized at 100. (Read methodology details)
Last data update: March 2026 · Mortgage rates updated monthly