1st Advantage MortgageIn Genesee County, New York, the typical household earns $73,314 a year and the typical rent is $929. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Who lives in Genesee County
- How much Genesee County households make
- Jobs and commutes in Genesee County
- Genesee County housing compared with New York
- Places inside Genesee County
- Counties near Genesee County
- Budget math at the Genesee County median
- People and households in Genesee County
- Before borrowing in Genesee County
- Four steps for Genesee County borrowers
- Checking a lender's license in New York
- Related local guides
- Frequently asked questions
Who lives in Genesee County
Genesee County is home to about 57,787 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 44th most populous of 62 county-level areas in New York. Packed into 493 square miles, that is close to 117 residents for every square mile of land. No metropolitan area includes Genesee County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Batavia is the biggest of its 9 Census places, at roughly 15,097 people (26% of the county total).
How much Genesee County households make
Half of Genesee County households take in less than $73,314 a year and half take in more, 15% below the New York median of $85,974. Only 27 New York counties post a higher median.
| Income band | Share in Genesee County | Difference from New York |
|---|---|---|
| Under $35,000 | 21.4% | -0.7 pts |
| $35,000 to $99,999 | 44.1% | +10.1 pts |
| $100,000 to $199,999 | 28.9% | +2.1 pts |
| $200,000 or more | 5.6% | -11.5 pts |
The spread is wide: 34% of Genesee County households make $100,000 or more, and 21% make less than $35,000. Census counts 10.6% of Genesee County residents in poverty, against 14.0% across New York. The Gini index of income inequality is 0.404 (0 is perfect equality). For a borrower in Genesee County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
Jobs and commutes in Genesee County
By the Census industry count, 26% of employed Genesee County residents work in education and health care and 15% in manufacturing. The sharpest difference from the state is in manufacturing, at 15% locally and 6% for New York. The survey's unemployment rate for Genesee County averages 4.6% over 2020 to 2024 (state: 6.4%). Long commutes are the exception here: 12% of workers spend 45 minutes or longer getting to work.
| Where residents work | Genesee County | Difference from New York |
|---|---|---|
| Education and health care | 25.6% | -3.8 pts |
| Manufacturing | 15.1% | +9.4 pts |
| Retail trade | 11.5% | +1.9 pts |
| Construction | 7.9% | +2.2 pts |
| Arts, lodging and food service | 6.7% | -1.4 pts |
| Public administration | 6.2% | +1.5 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Genesee County should have bank statements and tax returns ready.
Genesee County housing compared with New York
Median gross rent, utilities included, comes to $929 in Genesee County versus $1,621 statewide. Rent takes 30% or more of income for 45% of renter households here. With a median value of $170,500, a typical Genesee County house costs 2.3 times what the median household earns in a year. 74% of Genesee County households own their home and 26% rent.
| Housing | Genesee County | New York statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $929/mo | $1,621/mo | $877/mo |
| Median home value | $170,500 | $423,800 | $185,300 |
| Owners | 74% | 54% | 75% |
| Rent-burdened renters | 45% | 52% | 45% |
| Burdened owners | 21% | 33% | n/a |
| Mobile homes | 5.5% | 2.1% | n/a |
| Vacant units | 5% | 10% | n/a |
In an owner-heavy county like Genesee County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
Places inside Genesee County
Here are the 9 most populous of the county's 9 Census places, with income and rent from the same 2020 to 2024 survey. About 46% of Genesee County residents live in one of the 9. Among places of 500 or more people, median income runs from $58,818 in Le Roy to $88,906 in Bergen. Rent is cheapest in Oakfield ($783) and steepest in Bergen ($933). This guide covers each of the 9 places and the rural areas around them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Batavia | city | 15,097 | $59,446 | $925 | 1 mi |
| Le Roy | village | 4,301 | $58,818 | $851 | 10 mi |
| Attica | village | 2,028 | $62,340 | $829 | 10 mi |
| Oakfield | village | 1,659 | $69,500 | $783 | 6 mi |
| Bergen | village | 1,360 | $88,906 | $933 | 14 mi |
| Pavilion | CDP | 751 | $86,649 | n/a | 12 mi |
| Corfu | village | 695 | $76,250 | $800 | 11 mi |
| Elba | village | 485 | $65,625 | $763 | 5 mi |
| Alexander | village | 404 | $91,750 | $1,094 | 8 mi |
CDPs are unincorporated communities the Census Bureau defines for counting.
Counties near Genesee County
Wyoming County is closest, 21 miles from center to center; the sixth, Niagara County, is 36 miles off. Monroe County leads the group on income ($76,382), Orleans County trails ($65,969), and Genesee County out-earns 4 of the six.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Genesee County | - | $73,314 | $929/mo | 74% |
| Wyoming County, NY | 21 mi | $69,110 | $802/mo | 76% |
| Orleans County, NY | 23 mi | $65,969 | $874/mo | 77% |
| Livingston County, NY | 28 mi | $74,001 | $931/mo | 76% |
| Monroe County, NY | 30 mi | $76,382 | $1,173/mo | 64% |
| Erie County, NY | 34 mi | $72,839 | $1,090/mo | 66% |
| Niagara County, NY | 36 mi | $69,633 | $899/mo | 71% |
Budget math at the Genesee County median
How much room does a median Genesee County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Median income divided by twelve: $6,110 before taxes
- Median rent: $929, or 15 cents of every gross dollar
- 36% debt-to-income limit: $1,270 left for all other debt payments
- Under a 43% cap, $2,627 total minus rent leaves $1,698
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Genesee County's.
People and households in Genesee County
College graduates make up 24% of the adult population. 3.7% of residents have no health coverage.
| Indicator | Genesee County | All of New York | U.S. county median |
|---|---|---|---|
| Median age | 42.4 | 39.8 | 41.5 |
| Bachelor's or higher | 23.8% | 40.2% | 22.2% |
| No high school diploma | 7.1% | 12.0% | n/a |
| No health insurance | 3.7% | 5.1% | 7.8% |
| No vehicle | 8.8% | 29.2% | 5.4% |
| Work from home | 6.7% | 14.9% | 8.7% |
| Poverty rate | 10.6% | 14.0% | 13.2% |
| Unemployment (ACS) | 4.6% | 6.4% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 34.5% |
| 15 to 29 min | 34.0% |
| 30 to 44 min | 19.5% |
| 45 to 59 min | 7.8% |
| 60+ min | 4.2% |
Before borrowing in Genesee County
What the Genesee County figures suggest, and what to check first:
- Advance-fee offers. No legitimate lender asks a Genesee County borrower to pay first (scam signs).
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
- Consolidating cards in Genesee County. Compare the total repaid, not the monthly figure (how).
Four steps for Genesee County borrowers
Four checks before you sign anything:
- Get a written quote for whatever you are paying for in Genesee County.
- Shop at least three lenders, including one Genesee County-area credit union.
- Verify the New York license before giving out your Social Security number.
- Ask a Genesee County credit union about member loans.
Checking a lender's license in New York
Licensing happens at the state level, so a lender working with Genesee County borrowers answers to the New York State Department of Financial Services. The Consumer Financial Protection Bureau accepts complaints nationwide. Statewide data and rules: New York guide.
Related local guides
For statewide rules and data, see the New York guide.
Frequently asked questions
How much do households in Genesee County earn?
The median is $73,314; 34% earn $100,000 or more and 21% under $35,000. A lender uses your own documented income, not this figure.
How does Genesee County rent compare with New York?
$929 locally versus $1,621 for the state, 43% below.
Should Genesee County homeowners use home equity instead?
Maybe, but weigh the risk: 74% of Genesee County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Does this page cover Batavia?
Yes, along with the other 8 Census places in Genesee County, such as Le Roy, Attica, Oakfield.
Can Genesee County residents use the questionnaire?
Yes. It asks the same questions in every New York county, lists every requirement up front and does not affect your credit score.