In Utica, a typical home is worth $231,100 and typical rent is $1,131 a month. Compared with all of Macomb County, typical household income is 25% lower, typical rent is 7% lower, and the share of households that own their home is 16 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $218,980 to $251,738.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Utica is in Macomb County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Macomb County. See the county
What this place has that others do not, from public data, most unusual first.
1
59% of households in Utica own their home, against 75% in Macomb County.
2
Nearby, in Fraser, the typical rent is $843: 25% less than in Utica ($1,131).
3
The typical household income in Utica is $58,718,25% less than in Macomb County as a whole ($77,837).
4
According to Zillow, in the 12 months to September 2026 the typical home value in Utica barely changed; in Michigan, it rose 3.8%.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Utica
What homes there are in Utica, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Utica
Macomb County
Michigan
United States
Kind of home: Utica and its comparisons
Measure
Utica
Macomb County
Michigan
United States
Detached house
36%
68%
72%
61%
Attached house
23%
10%
5%
6%
Building of 2 to 4
8%
4%
5%
8%
Apartments (5 or more)
32%
14%
13%
19%
Mobile home
Unreliable estimate
4%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
No kind of home is the majority in Utica; the largest group, detached houses, adds up to 36%, less than in Macomb County (68%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Utica
Macomb County
Michigan
United States
Year built: Utica and its comparisons
Measure
Utica
Macomb County
Michigan
United States
Before 1960
25%
25%
36%
26%
1960–1979
34%
33%
26%
24%
1980–1999
19%
24%
22%
25%
2000–2009
15%
12%
10%
14%
2010 or later
Unreliable estimate
6%
6%
11%
By age, homes in Utica look like those in Macomb County: the typical year built is 1976.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K23%
$100K–$200KUnreliable
$200K–$300K54%
$300K–$500K17%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Utica and its comparisons
Measure
Utica
Under $100K
23%
$100K–$200K
Unreliable estimate
$200K–$300K
54%
$300K–$500K
17%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99940%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Utica and its comparisons
Measure
Utica
Under $500
Unreliable
$500–$999
40%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,575 a month
Macomb County: $1,628 a month
Without a mortgage
$659 a month
Macomb County: $643 a month
Owners with a mortgage
63%
Macomb County: 62%
In Utica, 63% of owners have a mortgage; their typical cost is $1,575 a month, about the same as in Macomb County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Utica+47%
Macomb County+46%
Michigan+50%
United States+53%
Typical rent
Utica+28%
Macomb County+26%
Michigan+30%
United States+33%
Typical household income
UticaNo clear change
Macomb County+24%
Michigan+28%
United States+29%
Change since 2015–2019: Utica and its comparisons
Measure
Utica
Macomb County
Michigan
United States
Typical home value
+47%
+46%
+50%
+53%
Typical rent
+28%
+26%
+30%
+33%
Typical household income
No clear change
+24%
+28%
+29%
Much as in Macomb County, the typical home value in Utica rose 47% since 2015–2019.
Much as in Macomb County, the typical rent in Utica rose 28% since 2015–2019.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Utica and its comparisons
Measure
Utica
Macomb County
Michigan
United States
Rental vacancy
Unreliable estimate
2.9%
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.8%
1.6%
3.4%
People per household
2.05
2.43
2.42
2.53
Drive alone
78%
76%
74%
69%
Carpool
Unreliable estimate
8%
8%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
11%
13%
14%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Utica are smaller: 2.05 people on average; in Macomb County, 2.43.
To get to work, 78% of workers in Utica drive alone; in Macomb County, 76%.
Do the math
What would you pay each month for a home in Utica?
A typical home costs more than the typical income allows
We start with a typical home in Utica, worth $231,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Utica, which is $58,718 a year. For that payment to be 28% of income, a household would need to earn about $86,272 a year.
The calculator's FHA and conventional loan limits are those of all of Macomb County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Utica. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $8,089 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,013
at 7.18% · 30 years
Loan amount
$226,914
Total interest
$326,476
Paid off in
November 2056
Includes $3,903 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,370 a month
Tight
$1,370 to $1,762 a month
Hard
more than $1,762 a month
Your payment · 41%
Compared with the typical household income in Utica ($58,718 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,537
Property tax
$277
Home insurance
$96
FHA mortgage insurance (MIP)
$102
You need at least $8,089 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $2,013; principal and interest $1,537.
The city and its county
Utica and Macomb County
Utica is in Macomb County, Michigan. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Utica
Map of Macomb County, Michigan, with Utica marked. Around it, the neighboring counties.
Utica
Macomb County
Other cities with a page
Utica's own numbers
Typical home value
$231,100
Typical monthly rent
$1,131
Typical yearly household income
$58,718
Households that own their home
59%
Effective property tax rate
1.44%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Macomb County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,459
Price change over 5 years (FHFA)
+47%
Homes in a high flood-risk zone
1.2%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Macomb County.
A typical home in Utica is worth $231,100: 5% below the county and about the same as Michigan. With the typical household income in Utica ($58,718 a year), a typical home costs 3.9 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Utica3.9 years
Macomb3.1 years
Michigan3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Macomb County
According to FHFA’s house price index, home prices in Macomb County rose 92% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Macomb County.
Yearly change in FHFA’s price index in Macomb County, 2016 to 2025
2016: +5.5% +5.5% 2016
2017: +7.4% +7.4% 2017
2018: +6.5% +6.5% 2018
2019: +4.5% +4.5% 2019
2020: +3.6% +3.6% 2020
2021: +12.4% +12.4% 2021
2022: +11.7% +11.7% 2022
2023: +5.3% +5.3% 2023
2024: +6.8% +6.8% 2024
2025: +4.1% +4.1% 2025
Change in FHFA’s price index in Macomb County, Michigan and the United States
Period
County
Michigan
U.S.
Last year (2025)
+4.1%
+4.7%
+2.9%
5 years (2020–2025)
+47%
+52%
+47%
10 years (2015–2025)
+92%
+97%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Utica next to Macomb County, Michigan and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Utica$231,100
Macomb$243,900
Michigan$231,600
United States$332,700
Typical monthly rent
Utica$1,131
Macomb$1,211
Michigan$1,129
United States$1,413
Typical yearly household income
Utica$58,718
Macomb$77,837
Michigan$72,875
United States$80,734
See the full table
Utica next to Macomb County and Michigan
Measure
Utica
Macomb County
Michigan
U.S.
Typical home value
$231,100 ▼5% below the county
$243,900
$231,600
$332,700
Typical monthly rent
$1,131 ▼7% below the county
$1,211
$1,129
$1,413
Typical yearly household income
$58,718 ▼25% below the county
$77,837
$72,875
$80,734
Households that own their home
59% ▼16 points below the county
75%
73%
65%
Typical yearly property tax
$3,334 ▼2% below the county
$3,404
$2,904
$3,119
Effective property tax rate
1.44% ▲0.04 points above the county
1.4%
1.25%
0.94%
Renters with high rent for their income
56% ▲5 points above the county
51%
50%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Macomb County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Utica
For a typical $231,100 home in Utica, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Utica's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,013a month
Least cash to close
Down payment
$8,089
Cash to close
$15,022
Rate
7.18%
Mortgage insurance
FHA MIP · $102
Conventional, 5% down$1,971a month
Down payment
$11,555
Cash to close
$18,488
Rate
7.18%
Mortgage insurance
PMI · $110
Conventional, 20% down, no PMI$1,626a month
Down payment
$46,220
Cash to close
$53,153
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,840a month
Down payment
$34,665
Cash to close
$41,598
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Utica
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,013
$8,089
$226,914
7.18%
FHA MIP · $102
$15,022
580
Conventional, 5% down
$1,971
$11,555
$219,545
7.18%
PMI · $110
$18,488
620*
Conventional, 20% down, no PMI
$1,626
$46,220
$184,880
7.18%
None
$53,153
620*
ITIN, 15% down (example)
$1,840
$34,665
$196,435
8.18%
None
$41,598
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Utica is $1,131 a month: 7% below the county. In Utica, 56% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Macomb County, by unit size. To pay the 2-bedroom one ($1,459 a month) without spending more than 30% of your income, you would need to earn $28.06 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Macomb County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,047
$20.13
$41,880
1 bedroom
$1,167
$22.44
$46,680
2 bedrooms
$1,459
$28.06
$58,360
3 bedrooms
$1,777
$34.17
$71,080
4 bedrooms
$1,929
$37.10
$77,160
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Utica
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Utica has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,550 in 48315 to $1,580 in 48317.
2 of the 2 are above the fair market rent for Macomb County ($1,459).
Fair market rent by ZIP code and size in Utica, fiscal year 2027.
48315
$1,110
$1,240
$1,550
$1,890
$2,050
48317
$1,130
$1,260
$1,580
$1,920
$2,090
ZIP code2 bd3 bd
48315 $1,550$1,890
48317 $1,580$1,920
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Utica when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 2 HUD-approved agencies with an office in Macomb County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Utica or Macomb County. The ones below are statewide in Michigan: they work in Utica the same as in the rest of the state.
Michigan state agency loan of up to $10,000, with no interest and no monthly payments, for the down payment, closing costs and prepaid expenses; it goes with MSHDA's MI Home Loan mortgage and is repaid in certain cases, such as when you pay off the first mortgage, sell or refinance the home, or no longer live in it.Offered by Michigan State Housing Development Authority (MSHDA).
Michigan state authority certificate that lets you take 20% of the interest you pay each year on your mortgage off your federal taxes, for the life of the loan; you apply with an approved lender before you buy.Offered by Michigan State Housing Development Authority (MSHDA).
No legal help resource on our list is for Utica or Macomb County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Utica and all of Macomb County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Utica?
The typical home value in Utica is $231,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Macomb County it is $243,900.
How much does it cost to rent in Utica?
Typical rent in Utica is $1,131 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Macomb County is $1,459.
What is the FHA loan limit in Utica?
Utica uses the FHA limit for all of Macomb County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Utica?
The typical homeowner in Utica pays $3,334 a year, according to the U.S. Census Bureau. That is 1.44% of the home’s value; in Macomb County, the rate is 1.4%.
Where can I find free help to buy or rent in Utica?
There are 2 HUD-approved counseling agencies with an office in Macomb County. They can help you get ready to buy, with your credit, or with rent.
