ZIP Code 14620 — Rochester city, NY Demographics & Data

ZIP code 14620 covers Rochester, NY in Monroe County with a population of about 22,866.

At a glance, the area shows median age of 33.8 versus a U.S. median of about 38.9.

It sits in telephone area code 585; U.S. House district NY-25; the ROCHESTER, NY media market.

Rochester, NY sits in a university / college context (near university of rochester (1.3 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 14620 is about $59,525 — about 21% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 19.2%; unemployment rate near 4.7%; 56.4% of adults with a bachelor’s degree or higher (about 22.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Professional services; about 18.0% of workers reporting work-from-home (about 2.8 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $197,700 — about 43% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,071 (about 8% below the U.S. median rent ($1,163)), and owner-occupancy near 28.7% (about 36.7 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 14620 in Rochester, NY, a household would need roughly $54,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,270. That is roughly in line with the local median household income ($59,525). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Rochester city, NY as Relatively Moderate (composite score 93.8), which is among the highest nationally. The strongest component scores on US5 are flood (96.7) and hurricane (68.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Rochester city, NY show little to no average snow and around 35.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 988 for ZIP 14620 (Rochester city, NY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.