1st Advantage MortgageIn Livingston County, New York, the typical household earns $74,001 a year and the typical rent is $931. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's New York license first.
On this page
- Who lives in Livingston County
- Paychecks and income spread in Livingston County
- Housing costs in Livingston County
- How Livingston County residents earn a living
- Counties near Livingston County
- Livingston County towns compared
- Livingston County residents: age, schooling, coverage
- What the numbers mean for Livingston County borrowers
- What a median Livingston County budget can carry
- A Livingston County borrower's checklist
- New York rules that apply in Livingston County
- More guides for Livingston County
- Frequently asked questions
Who lives in Livingston County
Livingston County is home to about 61,498 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 39th most populous of 62 county-level areas in New York. Packed into 632 square miles, that is close to 97 residents for every square mile of land. It is one of the counties that make up the Rochester, NY metropolitan statistical area (OMB, 2023). Of the 35 Census places inside Livingston County, Geneseo leads by population with about 7,701; 9 of the 35 are incorporated.
Paychecks and income spread in Livingston County
Half of Livingston County households take in less than $74,001 a year and half take in more, 14% below the New York median of $85,974.
| Band | Livingston County | Compared with New York |
|---|---|---|
| Under $35,000 | 21.2% | -1.0 pts |
| $35,000 to $99,999 | 43.0% | +9.1 pts |
| $100,000 to $199,999 | 28.4% | +1.6 pts |
| $200,000 or more | 7.4% | -9.7 pts |
Some 21% of households here live on less than $35,000 a year; 36% have six-figure incomes. Census counts 11.1% of Livingston County residents in poverty, against 14.0% across New York. Income inequality, measured by the Gini index, comes to 0.424 here. If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Livingston County median.
Housing costs in Livingston County
Renters in Livingston County pay a median of $931 a month, 43% below the New York figure of $1,621. By the Census definition, 56% of Livingston County renters are cost-burdened. Home values center on $174,600, or 2.4 years of median income. The ownership rate is 76%. The median home was built in 1970, so roofs, wiring and heating systems are a common source of repair bills.
| Housing | Livingston County | New York statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $931/mo | $1,621/mo | $877/mo |
| Median home value | $174,600 | $423,800 | $185,300 |
| Owners | 76% | 54% | 75% |
| Rent-burdened renters | 56% | 52% | 45% |
| Burdened owners | 19% | 33% | n/a |
| Vacant units | 10% | 10% | n/a |
In an owner-heavy county like Livingston 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. When half or more of renters are already stretched, a new payment needs a stress test: what happens if a paycheck is a week late?
How Livingston County residents earn a living
By the Census industry count, 28% of employed Livingston County residents work in education and health care and 12% in retail trade. Manufacturing stands out: 12% of workers here, versus 6% statewide. Averaged over the five survey years, 5.2% of the labor force was out of work and looking. Long commutes are common here: 16% of workers spend 45 minutes or longer getting to work. Only 5.8% of homes here go without a vehicle.
| Industry (employed residents 16+) | Livingston County | Gap to New York |
|---|---|---|
| Education and health care | 27.6% | -1.7 pts |
| Retail trade | 12.0% | +2.4 pts |
| Manufacturing | 11.6% | +5.8 pts |
| Professional and administrative services | 8.7% | -4.6 pts |
| Construction | 8.6% | +2.9 pts |
| Arts, lodging and food service | 7.8% | -0.3 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Livingston County should have bank statements and tax returns ready.
Counties near Livingston County
Six nearby counties, 23 to 36 miles away by the straight-line distance between their centers. Ontario County leads the group on income ($82,324), Allegany County trails ($62,869), and Livingston County out-earns 4 of the six.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Livingston County | - | $74,001 | $931/mo | 76% |
| Wyoming County, NY | 23 mi | $69,110 | $802/mo | 76% |
| Ontario County, NY | 26 mi | $82,324 | $1,150/mo | 74% |
| Genesee County, NY | 28 mi | $73,314 | $929/mo | 74% |
| Yates County, NY | 35 mi | $69,701 | $834/mo | 77% |
| Allegany County, NY | 36 mi | $62,869 | $763/mo | 79% |
| Monroe County, NY | 36 mi | $76,382 | $1,173/mo | 64% |
Livingston County towns compared
The table lists the 14 largest of 35 Census places in Livingston County, by population. Together all 35 hold about 35,161 people, so roughly 43% of residents live outside any named place. Hemlock has the highest median household income on the list ($109,159) and Geneseo the lowest ($46,589), counting places with at least 500 residents. Live in one of these Livingston County communities, or between them? This is your local guide.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Geneseo | village | 7,701 | $46,589 | $971 | 5 mi |
| Dansville | village | 4,653 | $57,329 | $906 | 12 mi |
| Avon | village | 3,417 | $71,771 | $898 | 13 mi |
| Mount Morris | village | 3,146 | $51,125 | $737 | 5 mi |
| Conesus Lake | CDP | 2,424 | $95,357 | $1,294 | 6 mi |
| Caledonia | village | 2,120 | $83,563 | $915 | 17 mi |
| Lima | village | 2,064 | $69,420 | $830 | 15 mi |
| Livonia | village | 1,580 | $71,563 | $839 | 8 mi |
| Nunda | village | 1,242 | $54,779 | $753 | 13 mi |
| Hemlock | CDP | 778 | $109,159 | n/a | 10 mi |
| East Avon | CDP | 611 | $92,917 | n/a | 13 mi |
| Springwater | CDP | 584 | $75,551 | $979 | 11 mi |
| Leicester | village | 499 | $86,667 | $967 | 7 mi |
| Groveland Station | CDP | 463 | $79,542 | n/a | 5 mi |
A CDP is a named community without its own municipal government.
Livingston County residents: age, schooling, coverage
Degree holders: 31% of adults over 25. About 4% go without health insurance.
| Livingston County | New York | U.S. county median | |
|---|---|---|---|
| Median age | 41.5 | 39.8 | 41.5 |
| Bachelor's or higher | 30.6% | 40.2% | 22.2% |
| No high school diploma | 7.4% | 12.0% | n/a |
| No health insurance | 3.9% | 5.1% | 7.8% |
| No vehicle | 5.8% | 29.2% | 5.4% |
| Work from home | 8.6% | 14.9% | 8.7% |
| Poverty rate | 11.1% | 14.0% | 13.2% |
| Unemployment (ACS) | 5.2% | 6.4% | 4.4% |
| One-way commute | Share of Livingston County workers |
|---|---|
| Under 15 min | 32.2% |
| 15 to 29 min | 30.7% |
| 30 to 44 min | 21.1% |
| 45 to 59 min | 9.5% |
| 60+ min | 6.6% |
What the numbers mean for Livingston County borrowers
Based on the Livingston County data above, these borrowing questions are most likely to matter locally.
- Tight rental budgets. With 56% of Livingston County renters cost-burdened, test a new payment against a lean month.
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
- Debt consolidation. One fixed payment can save money only if the written APR and fees beat what you pay now (guide).
What a median Livingston County budget can carry
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Livingston County household at the medians it works out like this; treat it as an illustration only.
- $6,167 a month: gross income for a household at the Livingston County median
- Median rent: $931, or 15 cents of every gross dollar
- $1,227: what a 35% ratio leaves once rent is paid
- At 45%, room after rent is $1,844 a month
Two-income households and single earners in Livingston County land in very different places on this math, so run it for your own budget.
A Livingston County borrower's checklist
Quick steps for Livingston County:
- Know the exact dollar figure you need before talking to a lender.
- Prequalify with soft pulls where offered, then compare in writing.
- Verify the New York license before giving out your Social Security number.
- Read the final agreement; it must match the offer.
New York rules that apply in Livingston County
Livingston County borrowers fall under statewide rules, enforced by the New York State Department of Financial Services. Problems with a lender can also go to the CFPB. Statewide data and rules: New York guide.
More guides for Livingston County
The New York guide covers the whole state.
Frequently asked questions
What is the median household income in Livingston County?
$74,001 a year in the 2020 to 2024 Census survey, versus $85,974 for New York. It ranks 26th of 62 in the state.
How much is rent in Livingston County?
Median gross rent, utilities included, is $931 a month; 56% of renters spend 30% or more of income on it.
I own my home in Livingston County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 76% of homes owner-occupied here, many readers can compare both in writing.
Which towns does the Livingston County guide cover?
Every community in the county, unincorporated areas included. The largest of its 35 Census places: Geneseo, Dansville, Avon, Mount Morris, Conesus Lake.
Are Livingston County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.