Rome, New York.
Typical home $213,310 (+5.6% in a year), asking rent $1,347 (+12.3%). Utica-Rome, NY metro.
to buy the typical home at today's mortgage rate — +$692 (+162%) since Jan 2020.
- 1 year
- Up $11,333 +6%
- $201,977$213,310 since Sep 2025
- 5 years
- Up $65,916 +45%
- $147,394$213,310 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Rome$1,120
- New York$2,755
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 9 years.
Typical home values in Rome, NY rose 5.6% over the past year — faster than the nation's +1.2%.
Asking rents in Rome, NY rose 12.3% over the past year — faster than the nation's +2.7%.
Owning the typical home in Rome runs $360/mo more than renting one. The gap peaked at $383 in Aug 2025.
That is $1,707 a month against $1,347 rent: a $1,120 mortgage payment, plus $359 property tax and $228 insurance & upkeep.
Owning vs renting — Rome
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$1,707
- Renting$1,347
- Mortgage only$1,120
Property tax · $359/mo 2.02% of value a year — the ACS 2020-2024 median bill over the median home value for Oneida County, NY
Insurance & upkeep · $228/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Rome, Oneida County, New York
Rome is a city of 32,127 people in Oneida County. Half its households earn more than $59,925 a year and half less, against $70,154 across Oneida County; 18% of its people live below the poverty line. 57% of its homes are lived in by their owners and 43% are rented. Unemployment in Rome was 4.3% in August 2026, and Oneida County had 1.1% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Rome is a small city in Oneida County, with a median age a little above the middle years and a four-year degree held by fewer adults than is typical. Household incomes run below the county's, and more people live below the poverty line than a comfortable share of the population would suggest, though most homes are still lived in by their owners. Typical home values and rents sit in a middle range, and winters are cold and snowy, with warm summers and a good deal of rain and melted snow across the year.
Work. Many residents work in schools, hospitals and social care, with shops, professional and business services, and government also employing a good number. Among the largest workplaces in Rome are the Rome City School District, Rome Memorial Hospital and The Grand of Rome. Commutes are short, and some people work from home, though unemployment has eased a little over the past year even as Oneida County has seen slightly fewer jobs.
Things to do. Fort Stanwix National Monument is a protected historic site in or beside town, and a good starting point for anyone curious about the area's past. A short drive away, Delta Lake State Park offers a protected lakeside setting, and the Rome Sand Plains is another protected area close by. Those willing to go a longer drive can reach Oneida Lake.
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- 13,870households
- 21%of adults have a degree
- 18%below the poverty line
- 18 mintypical commute
- 13%work from home
What residents work in
Employed residents by industry, from the Census survey. Oneida County had 101,447 jobs in 2025, 1.1% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 30° and lows near 13°; warmest in July, with highs near 81° and lows near 60°. About 44 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Rome Griffiss Airfield weather station, 4 miles away (NOAA).
Largest workplaces in Rome
- Rome City School DistrictSchool district925FTE
- Rome Memorial HospitalGeneral hospital652FTE
- The Grand of RomeNursing homes365
- Deployed ResourcesFacilities support services319
- Family Dollar, LLC DC208General warehousing and storage289
- Orgill Rome Distribution CenterHardware merchant wholesalers247
- Betsy Ross Nursing and Rehab CenterNursing homes186
- Germanium Corporation of AmericaBar, nonferrous metals, made from purchased metals in wire drawing plants or in integrated secondary smelting and rolling, drawing, or extruding plants156
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 27 workplaces with 20 or more staff, 3,083 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Winter weatherRelatively high
- Ice stormsRelatively moderate
- Strong windRelatively moderate
- Cold wavesRelatively moderate
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Rome’s census tracts, against the rest of the country; all of them together, very low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Oneida County and the Utica-Rome, NY metro.
Rome home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Rome$213,310
- New York$524,942
- United States$366,157
Sellers are cutting prices on about 1 in 4 Rome listings, and the typical home goes pending in 19 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Rome27.18%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Rome19
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Rome127
New listings per month
Sellers arriving at the market.
- Rome47
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Rome$220,247
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Rome99.33%
Zip codes with a Rome address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Rome — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.