What income do you need to buy a house in Ontario, NY?

It takes about $100,000/yr to afford the typical Ontario, NY home ($350K, +5.5% past year) at today's rates. Starter homes run around $256K. See if you can afford a house in Ontario (2026 data) — free, no signup.

Market snapshot (2026-07)

• Income needed to buy the typical home: about $100,000/yr (28% front-end ratio, 20% down, 6.76% 30-yr fixed, NY property tax and insurance)
• Typical home value: $350K (Zillow ZHVI, 2026-07)
• 1-year change: +5.5%
• Bottom 35% of homes: $256K
• Top 35% of homes start around: $488K
• Median household income: $50K
• Price-to-income ratio: 7.0
• Estimated payment on the typical home: $1,815/mo principal & interest (20% down, 6.76% 30-yr fixed)

Nearby housing markets

• Webster, NY — typical home $404K
• Fairport, NY — typical home $416K
• East Rochester, NY — typical home $240K
• Newark, NY — typical home $208K
• Rochester, NY — typical home $249K
• Hilton, NY — typical home $318K

The most affordable cities to buy a house in New York

Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.

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