Question 1

What are the median home prices across Monroe, Ontario, and Wayne counties?

Accepted Answer

Monroe County’s median price ranges from $276,649 (August) to $300,000 (June), reflecting market fluctuations and differences between sale and listing averages. Ontario County’s median sale price reached $352,000 in July, with marked growth. Wayne County’s recent sale and listing medians range from $227,500 to $306,750, with the lower figure more commonly cited for closed sales.

Question 2

What are the median sale price trends last 5 years for each county?

Accepted Answer

Monroe County rose from $205,000 in 2020 to $284,000 in 2025, a steady annual increase. Ontario County increased from $229,000 in 2020 to $352,000 in 2025, the strongest five-year growth of the three. Wayne County moved from $153,000 in 2020 to a peak in 2024, then eased to $228,000 in 2025.

Question 3

What are local taxes, closing costs, and fees for buyers and sellers in each county?

Accepted Answer

Across Monroe, Ontario, and Wayne counties, local practices follow New York State norms with some county-specific rates. Monroe County: property tax rate $6.03 per $1,000 taxable value (2025), with effective totals varying by municipality (e.g., towns like Brighton around $14.61 per $1,000). Buyer closing costs typically 2–5% of purchase price; seller closing costs usually 8–10% including commissions (often ~6%), NYS transfer tax (0.4%), prorated taxes, title/recording, and attorney fees. Ontario County: property tax varies by town but follows similar structures; buyers typically 2–5% and sellers 8–10%, with NYS transfer tax of 0.4% plus local recording fees as applicable. Wayne County: property tax varies by municipality (example: Marion $8.86 per $1,000 assessed value); buyers typically 2–5%, sellers 8–10%; NYS transfer tax 0.4% plus county/local recording; additional local rate around $0.55 per $500 may apply.

Question 4

What are the estimated total buyer closing costs breakdown for Monroe County?

Accepted Answer

Typical buyer closing costs total about 2–5% of the purchase price. Estimated breakdown: Title insurance ~0.5–1.0%; Mortgage origination ~0.5–1.0%; Appraisal $300–$600 (fixed); Attorney $500–$1,000; Recording fees ~0.1–0.3%; Mortgage tax ~0.4%; Inspections $300–$500 (fixed); Other fees ~0.2–0.4%. Example at $300,000: ~$6,000 (2%) to ~$15,000 (5%). Fixed items don’t scale with price; confirm specifics with your lender and attorney.

Question 5

What are current mortgage rates and lender options in these counties?

Accepted Answer

As of late October 2025, typical ranges are: 30-year fixed ~6.0–6.4%; 15-year fixed ~5.2–5.9%; 5/1 ARM ~6.1–6.13%. Lender options include regional/national banks, local credit unions, and online lenders/brokers. Compare multiple quotes; rates and fees vary by credit profile, down payment, and loan program.

Question 6

Top key points to buying or selling real estate in Monroe, Ontario, and Wayne Counties in New York

Accepted Answer

Monroe County remains competitive (e.g., median listing prices around $229,950 and ~22 days on market). Buyers should secure strong pre-approval, move quickly, and plan inspections; sellers should price to neighborhood norms and be prepared for well-qualified offers while following NY legal steps with an attorney. Ontario County offers both traditional listings and fast-cash options; buyers should perform due diligence and inspections; sellers should weigh conventional listing versus quick cash timelines while ensuring all deed/transaction requirements are met. Wayne County shows steady growth (e.g., ~9.2% YoY to ~$306,750 in September; ~41 days on market); buyers should track local pricing bands and work closely with experienced agents; sellers should prepare, stage, and respond promptly, completing required disclosures and documents. Across all counties, engage a New York real estate attorney, monitor local supply/demand and pricing trends, and budget for transaction costs, including closing fees and commissions for traditional sales.

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Author: lallafitzpatri

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