Housing
Housing Affordability for Homeowners by Race/Ethnicity

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Source: U.S. Census Bureau

What does this measure?

The ratio of the median home value divided by the median household income, adjusted for inflation, and shown for homeowners in various racial and ethnic groups.

Why is this important?

This ratio provides a rough estimate of the affordability of homes in a community. A ratio less than 2 or 3 is considered affordable. High housing costs can force households to choose between paying for housing and meeting other basic needs such as food, clothing and health care.

How is our region performing?

Housing in the region was most affordable in 2016-20 for white homeowners, at 2.0, compared to 2.5 for both Black or African American and Hispanic homeowners, and 2.6 for Asian homeowners. The region was more affordable for all racial and ethnic groups than the state and nation. Disparities were most pronounced at the state level, where the ratio for white homeowners (3.4) was substantially lower than for Hispanic (6.6), Black (6.8) and Asian (6.9) homeowners.

In 2016-20, Asian and white residents had the highest median home values in the region, at about $204,600 and $154,800, respectively. African Americans had the lowest median home value in the region, at $95,400, while the median for Hispanic homeowners was $123,300. The City of Rochester had lower median values for all racial and ethnic groups: $100,500 for white homeowners; $72,000 for Black homeowners; $69,900 for Hispanic homeowners; and $67,600 for Asian homeowners.

Why do these disparities exist?

Historic and current policies and systems, from racist housing policies to employment discrimination to education systems that fail to equitably serve all populations, have prevented people of color from fully participating in our economy, locking them out of economic opportunity. This has resulted in lower incomes for people of color, which means housing costs are a greater burden.

Notes about the data

Multiyear data are from the Census Bureau's American Community Survey, Public Use Microdata Sample, which paired up four counties (Orleans/Genesee, Wyoming/Livingston) due to relatively small populations. The American Community Survey combines five years of responses to provide estimates for smaller geographic areas and increase the precision of its estimates. The survey provides data on characteristics of the population that used to be collected only during the decennial census. Data for this indicator are expected to be released in the first quarter.

Housing Affordability - Owning by Race/Ethnicity, 2016-20
AsianBlack or African AmericanLatino or HispanicWhite
NYS6.96.86.63.4
NYS (excluding NYC)8.98.19.87.4
Region2.62.52.52.0
Monroe2.62.52.52.0
Surrounding Counties2.62.02.42.0
Ontario/Yates2.63.82.52.3
Orleans/Genesee2.01.22.51.8
Wayne/Seneca2.51.82.91.8
Wyoming/Livingston3.02.11.61.9
Monroe County Local Areas
Rochester1.52.31.91.9

Source: U.S. Census Bureau
Notes: The Census Bureau asks people to identify their race (white, African-American, etc.) separate from their ethnicity (Hispanic or non-Hispanic). So the totals for these categories cannot be added together, as people show up in both a racial and ethnic group.




Median Home Value by Race/Ethnicity, 2016-20
AsianBlack or African AmericanLatino or HispanicWhite
NYS$588,375$428,784$419,288$310,823
NYS (excluding NYC)$683,775$507,832$547,191$723,715
Region$204,647$95,371$123,276$154,840
Monroe$201,198$94,160$122,560$165,345
Surrounding Counties$223,195$107,950$126,064$139,686
Ontario/Yates$322,373$175,503$102,436$170,420
Orleans/Genesee$223,640$97,419$133,700$118,583
Wayne/Seneca$141,539$93,961$148,701$134,090
Wyoming/Livingston$131,195$103,758$111,297$133,268
Monroe County Local Areas
Rochester$67,645$72,044$69,941$100,545

Source: U.S. Census Bureau
Notes: Figures are in constant 2016 Dollars.











Worse than NYS by 10% or more
Up to 10% worse than NYS
Equal to or better than NYS


INDICATORS - Grouped by Topic REGIONAL VALUE YEAR NYS COMPARISON TREND | REGION
Prenatal Care 78% 2018 3 1
Increasing
Prenatal Care, by Race/Ethnicity 0 10 Not Applicable*
Babies Born with Low Birth Weights 8.4% 2019 2 1
Increasing
Babies Born with Low Birth Weights, Race/Ethnicity, Monroe County 0 10 Not Applicable*
Infant Mortality Rate 6.9 2017-19 2 0
Maintaining
Infant Mortality Rate, Race/Ethnicity, Monroe County 0 10 Not Applicable*
Children with Elevated Blood Lead Levels 0.8% 2018 2 -1
Decreasing
Children in Poverty 19% 2016-20 3 1
Increasing
Children in Poverty, Race/Ethnicity 2016-20 0 10 Not Applicable*
Single-Parent Families 39% 2016-20 2 1
Increasing
Single-Parent Families, by Race/Ethnicity 2016-20 0 10 Not Applicable*
Rate of Child Abuse and Neglect 20 2020 2 1
Increasing
Rate of Foster Care Admissions 1.8 2020 2 -1
Decreasing
Rate of Teen Pregnancy 1.3% 2019 3 -1
Decreasing
Rate of Teen Births 12 2019 2 -1
Decreasing
Arts and Culture Attendance 2019 0 10 Not Applicable*
Tourism Spending $894 2020 1 -1
Decreasing
Recreation Spending $52 2020 1 -1
Decreasing
Voter Registration Rate 83% 2020 2 1
Increasing
Voter Participation Rate 64% 2020 3 1
Increasing
Registered Library Borrowers 58% 2019 2 -1
Decreasing
Library Visits 5.4 2019 3 -1
Decreasing
Charitable Contributions as a Percentage of Income 0.8% 2019 2 -1
Decreasing
Households Without Vehicles 10% 2016-20 3 0
Maintaining
Total Population 1.9% 2020 2 1
Increasing
Population by Age 2016-20 0 10 Not Applicable*
Population by Race/Ethnicity 2016-20 0 10 Not Applicable*
Population by Age and Race/Ethnicity 2016-20 0 10 Not Applicable*
Disengaged Youth, Ages 16 to 19 6% 2016-20 3 -1
Decreasing
Median Household Income $61,376 2016-20 1 -1
Decreasing
Median Household Income, by Race/Ethnicity 2016-20 0 10 Not Applicable*
People Living in Poverty 13% 2016-20 3 1
Increasing
People Living in Poverty, by Race/Ethnicity 2016-20 0 10 Not Applicable*
People Living in Poverty, by Sex 2016-20 0 10 Not Applicable*
Public Assistance Recipients 1.7% 2020 3 -1
Decreasing
Approval Rate for Public Assistance Applications 24% 2020 0 -1
Decreasing
Females Living in Poverty, by Race/Ethnicity 2016-20 0 10 Not Applicable*
Seniors Living in Poverty, by Sex 2016-20 0 10 Not Applicable*
Households Receiving SNAP 13% 2016-20 3 -1
Decreasing
Households Receiving SNAP by Race/Ethnicity 2016-20 0 10 Not Applicable*
Female Seniors Living in Poverty, by Race/Ethnicity 2016-20 0 10 Not Applicable*
Tax Filers Receiving Earned Income Tax Credit 15% 2019 3 -1
Decreasing
EITC Dollars $173 2019 1 -1
Decreasing
Change in Total Jobs -8% 2020 3 -1
Decreasing
Change in Number of Business Establishments by Sector 2020 0 10 Not Applicable*
Change in Jobs by Sector 2020 0 10 Not Applicable*
Sector Shares of Regional Total Employment 2020 0 10 Not Applicable*
Unemployment Rate 8.1% 2020 3 1
Increasing
Unemployment Rate by Race/Ethnicity 2016-20 0 10 Not Applicable*
Average Salary by Sector 2020 0 10 Not Applicable*
Change in Average Salary Since 2000 12% 2020 3 1
Increasing
Change in Average Salary Since 2000 by Sector 2020 0 10 Not Applicable*
Employment-to-Population Ratio 60% 2016-20 2 -1
Decreasing
Prekindergarten Participation 58% 2020 3 1
Increasing
School Spending Per Student $23,561 2020 1 1
Increasing
Instructional Spending Per Student $16,983 2020 1 1
Increasing
Students Receiving Special Education Services 2021 0 -1
Decreasing
Grade 3 English 44% 2019 2 1
Increasing
Grade 3 English by Student Subgroup 2019 0 10 Not Applicable*
Grade 3 English by Race/Ethnicity 2019 0 10 Not Applicable*
Grade 3 Math 49% 2019 2 1
Increasing
Grade 3 Math by Student Subgroup 2019 0 10 Not Applicable*
Grade 3 Math by Race/Ethnicity 2019 0 10 Not Applicable*
Grade 8 English 39% 2019 2 1
Increasing
Grade 8 English by Student Subgroup 2019 0 10 Not Applicable*
Grade 8 English by Race/Ethnicity 2019 0 10 Not Applicable*
Grade 8 Math 49% 2019 2 1
Increasing
Regents Algebra 1 73% 2019 3 1
Increasing
Regents English 83% 2019 2 1
Increasing
Four-Year Cohort Graduation Rate 89% 2021 3 1
Increasing
Cohort Graduation Rate, Beyond Four Years 89% 2021 3 1
Increasing
Four-Year Cohort Graduation Rate by Race/Ethnicity 2021 0 10 Not Applicable*
Education Levels of Adults 2016-20 0 10 Not Applicable*
Education Levels of Adults by Race/Ethnicity 2016-20 0 10 Not Applicable*
People Without Health Insurance 4% 2019 3 -1
Decreasing
Supply of Doctors 35.3 2019 1 1
Increasing
Mortality Rate 693 2019 1 -1
Decreasing
Chlamydia Rate 55 2018 3 1
Increasing
Chlamydia Rates, Race/Ethnicity, Monroe County 0 10 Not Applicable*
Gonorrhea Rate 18 2018 3 -1
Decreasing
Maternal Health, by Race/Ethnicity 2016-18 0 10 Not Applicable*
Gonorrhea Rates, Race/Ethnicity, Monroe County 0 10 Not Applicable*
Early Syphilis Rates 1.8 2018 3 1
Increasing
Early Syphilis Rates within Monroe County, by Race/Ethnicity 0 10 Not Applicable*
People Living with HIV 104 2019 0 1
Increasing
People Living with HIV by Race/Ethnicity 2019 0 10 Not Applicable*
People Living with AIDS 132 2019 0 1
Increasing
People Living with AIDS by Race/Ethnicity 2019 0 10 Not Applicable*
Percent of Days with Good Air Quality 0 10 Not Applicable*
Alcohol-related Crashes 2.5 2020 2 -1
Decreasing
Median Home Value $143,640 2016-20 1 1
Increasing
Admissions to Substance Abuse Treatment by Primary Substance 2020 0 10 Not Applicable*
Median Rental Prices $896 2016-20 3 -1
Decreasing
Housing Affordability for Homeowners 2.3 2016-20 3 0
Maintaining
Housing Affordability for Homeowners by Race/Ethnicity 2016-20 0 10 Not Applicable*
Overall Housing Cost Burden 28% 2016-20 3 -1
Decreasing
Housing Affordability for Renters 32% 2016-20 3 10 Not Applicable*
Rent Burdened Households 47% 2016-20 3 -1
Decreasing
Housing Affordability for Renters by Race/Ethnicity 2016-20 0 10 Not Applicable*
Homeownership Rate 68% 2016-20 3 -1
Decreasing
Homeownership Rate by Race/Ethnicity 2016-20 0 10 Not Applicable*
Vacant Housing Units 9% 2016-20 3 1
Increasing
Homeless Persons 0 10 Not Applicable*
Serious Crimes 170 2020 3 -1
Decreasing
Violent Crimes 24 2020 3 1
Increasing
Victims of Domestic Violence 57 2020 0 -1
Decreasing
Incarceration Rates 8.7 2020 0 -1
Decreasing
Incarceration Rates, by Race/Ethnicity 2018 0 10 Not Applicable*
Arrest Rates 130.1 2020 2 -1
Decreasing
Arrest Rates, by Race/Ethnicity 2020 0 10 Not Applicable*
Per-Capita Spending for Local Government $3,731 2019 0 1
Increasing
Female to Male Earnings Ratio 0.68 2016-20 3 0
Maintaining
*No or multiple regional values for this indicator


Worse than NYS by 10% or more
Up to 10% worse than NYS
Equal to or better than NYS





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