In Utica, a typical home is worth $151,300 and typical rent is $951 a month. Compared with all of Oneida County, typical household income is 25% lower, the typical home value is 17% lower, and the share of households that own their home is 18 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $146,163 to $210,433.
Typical rent
$1,392a month
▲ 4.5% more than 12 months ago
Typical rent from Zillow, June 2024 to September 2026: from $1,218 to $1,392.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Utica is in Oneida 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 Oneida County. See the county
What this place has that others do not, from public data, most unusual first.
1
50% of households in Utica own their home, against 68% in Oneida County.
2
Nearby, in Ilion, the typical home value is $108,700: 28% less than in Utica ($151,300).
3
Nearby, in Ilion, the typical rent is $694: 27% less than in Utica ($951).
4
The typical household income in Utica is $52,484,25% less than in Oneida County as a whole ($70,154).
5
The typical home in Utica is worth $151,300,17% less than in Oneida County as a whole ($182,600).
Sources: U.S. Census Bureau (Average 2020–2024).
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
Oneida County
New York
United States
Kind of home: Utica and its comparisons
Measure
Utica
Oneida County
New York
United States
Detached house
43%
63%
41%
61%
Attached house
2%
2%
6%
6%
Building of 2 to 4
39%
19%
17%
8%
Apartments (5 or more)
16%
11%
35%
19%
Mobile home
Unreliable estimate
6%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Homes in Utica are varied: detached houses are the largest group, at 43%, against 63% in Oneida County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Utica
Oneida County
New York
United States
Year built: Utica and its comparisons
Measure
Utica
Oneida County
New York
United States
Before 1960
70%
54%
52%
26%
1960–1979
16%
21%
22%
24%
1980–1999
8%
16%
14%
25%
2000–2009
3%
6%
6%
14%
2010 or later
3%
5%
6%
11%
Homes in Utica are older: the typical year built is 1940; in Oneida County, 1958.
Homes in Utica are smaller: 60% have 3 bedrooms or more; in Oneida County, 64%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K27%
$100K–$200K46%
$200K–$300K17%
$300K–$500K6%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Utica and its comparisons
Measure
Utica
Under $100K
27%
$100K–$200K
46%
$200K–$300K
17%
$300K–$500K
6%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
At least 96% of owner-occupied homes in Utica are worth less than $500,000, below the FHA loan limit for Oneida County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50014%
$500–$99943%
$1,000–$1,49931%
HUD fair market rent, 2 bedrooms: $1,210
$1,500–$1,9996%
$2,000–$2,4994%
$2,500–$2,9991%
$3,000 or moreUnreliable
Monthly rent with utilities: Utica and its comparisons
Measure
Utica
Under $500
14%
$500–$999
43%
$1,000–$1,499
31%
$1,500–$1,999
6%
$2,000–$2,499
4%
$2,500–$2,999
1%
$3,000 or more
Unreliable estimate
HUD's 2-bedroom fair market rent (FMR) for Oneida County is $1,210; about 69% of rents in Utica are below it.
With a mortgage
$1,352 a month
Oneida County: $1,527 a month
Without a mortgage
$594 a month
Oneida County: $636 a month
Owners with a mortgage
51%
Oneida County: 51%
The typical cost for an owner with a mortgage in Utica is $1,352 a month, less than in Oneida County ($1,527); without one, $594.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Utica+58%
Oneida County+43%
New York+35%
United States+53%
Typical rent
Utica+31%
Oneida County+23%
New York+27%
United States+33%
Typical household income
Utica+39%
Oneida County+25%
New York+26%
United States+29%
Change since 2015–2019: Utica and its comparisons
Measure
Utica
Oneida County
New York
United States
Typical home value
+58%
+43%
+35%
+53%
Typical rent
+31%
+23%
+27%
+33%
Typical household income
+39%
+25%
+26%
+29%
Since 2015–2019, homes in Utica gained value faster than in Oneida County: 58% against 43%.
The typical rent in Utica rose 31% over the same time; in Oneida County, it rose 23%.
To compare: typical income in Utica rose 39%; the home, +58%; the rent, +31%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Utica and its comparisons
Measure
Utica
Oneida County
New York
United States
Rental vacancy
4.4%
4.4%
3.8%
5.5%
Homeowner vacancy
1.5%
1.0%
1.1%
0.9%
More than one person per room
4.6%
2.2%
5.3%
3.4%
People per household
2.39
2.28
2.49
2.53
Drive alone
68%
74%
49%
69%
Carpool
14%
9%
6%
9%
Public transit
3%
1%
22%
3%
Walk or bike
6%
3%
6%
3%
Work from home
8%
11%
15%
15%
Other means
2%
1%
2%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
In Utica, the rental vacancy rate is 4.4%, about the same as in Oneida County.
In Utica, 4.6% of households live with more than one person per room, against 2.2% in Oneida County.
By size, households in Utica look like those in Oneida County: 2.39 people on average.
Carpooling is common in Utica: 14% of workers get to work that way, against 9% in Oneida County.
Do the math
What would you pay each month for a home in Utica?
A typical home is tight for the typical income
We start with a typical home in Utica, worth $151,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Utica, which is $52,484 a year. For that payment to be 28% of income, a household would need to earn about $60,319 a year.
The calculator's FHA and conventional loan limits are those of all of Oneida 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 $5,296 (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
$1,407
at 7.18% · 30 years
Loan amount
$148,559
Total interest
$213,742
Paid off in
November 2056
Includes $2,555 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,225 a month
Tight
$1,225 to $1,575 a month
Your payment · 32%
Hard
more than $1,575 a month
Compared with the typical household income in Utica ($52,484 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,006
Property tax
$271
Home insurance
$63
FHA mortgage insurance (MIP)
$67
You need at least $5,296 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 $1,407; principal and interest $1,006.
The city and its county
Utica and Oneida County
Utica is in Oneida County, New York. 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 Oneida County, New York, with Utica marked. Around it, the neighboring counties.
Utica
Oneida County
Other cities with a page
Utica's own numbers
Typical home value
$151,300
Typical monthly rent
$951
Typical yearly household income
$52,484
Households that own their home
50%
Effective property tax rate
2.15%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Oneida County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,210
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
1.8%
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 Oneida County.
A typical home in Utica is worth $151,300: 17% below the county and 64% below New York. With the typical household income in Utica ($52,484 a year), a typical home costs 2.9 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.
Utica2.9 years
Oneida2.6 years
New York4.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Oneida County
According to FHFA’s house price index, home prices in Oneida County rose 92% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Oneida County.
Yearly change in FHFA’s price index in Oneida County, 2016 to 2025
2016: +2.9% +2.9% 2016
2017: +3.4% +3.4% 2017
2018: +5.6% +5.6% 2018
2019: +3.7% +3.7% 2019
2020: +5.6% +5.6% 2020
2021: +10.5% +10.5% 2021
2022: +15.0% +15.0% 2022
2023: +9.3% +9.3% 2023
2024: +5.7% +5.7% 2024
2025: +6.3% +6.3% 2025
Change in FHFA’s price index in Oneida County, New York and the United States
Period
County
New York
U.S.
Last year (2025)
+6.3%
+6.0%
+2.9%
5 years (2020–2025)
+56%
+52%
+47%
10 years (2015–2025)
+92%
+86%
+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 Oneida County, New York and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Utica$151,300
Oneida$182,600
New York$423,800
United States$332,700
Typical monthly rent
Utica$951
Oneida$944
New York$1,621
United States$1,413
Typical yearly household income
Utica$52,484
Oneida$70,154
New York$85,974
United States$80,734
See the full table
Utica next to Oneida County and New York
Measure
Utica
Oneida County
New York
U.S.
Typical home value
$151,300 ▼17% below the county
$182,600
$423,800
$332,700
Typical monthly rent
$951
$944
$1,621
$1,413
Typical yearly household income
$52,484 ▼25% below the county
$70,154
$85,974
$80,734
Households that own their home
50% ▼18 points below the county
68%
54%
65%
Typical yearly property tax
$3,246 ▼12% below the county
$3,690
$6,582
$3,119
Effective property tax rate
2.15% ▲0.13 points above the county
2.02%
1.55%
0.94%
Renters with high rent for their income
53% ▲7 points above the county
46%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Oneida 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 $151,300 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$1,407a month
Least cash to close
Down payment
$5,296
Cash to close
$9,835
Rate
7.18%
Mortgage insurance
FHA MIP · $67
Conventional, 5% down$1,380a month
Down payment
$7,565
Cash to close
$12,104
Rate
7.18%
Mortgage insurance
PMI · $72
Conventional, 20% down, no PMI$1,154a month
Down payment
$30,260
Cash to close
$34,799
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,294a month
Down payment
$22,695
Cash to close
$27,234
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
$1,407
$5,296
$148,560
7.18%
FHA MIP · $67
$9,835
580
Conventional, 5% down
$1,380
$7,565
$143,735
7.18%
PMI · $72
$12,104
620*
Conventional, 20% down, no PMI
$1,154
$30,260
$121,040
7.18%
None
$34,799
620*
ITIN, 15% down (example)
$1,294
$22,695
$128,605
8.18%
None
$27,234
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 $951 a month: about the same as the county. In Utica, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Oneida County, by unit size. To pay the 2-bedroom one ($1,210 a month) without spending more than 30% of your income, you would need to earn $23.27 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 Oneida County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$857
$16.48
$34,280
1 bedroom
$946
$18.19
$37,840
2 bedrooms
$1,210
$23.27
$48,400
3 bedrooms
$1,442
$27.73
$57,680
4 bedrooms
$1,636
$31.46
$65,440
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 $1,170 in 13501 to $1,300 in 13502.
1 of the 2 is above the fair market rent for Oneida County ($1,210).
Fair market rent by ZIP code and size in Utica, fiscal year 2027.
13501
$830
$910
$1,170
$1,390
$1,580
13502
$920
$1,020
$1,300
$1,550
$1,760
ZIP code2 bd3 bd
13501 $1,170$1,390
13502 $1,300$1,550
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)
HUD lists 33 buildings with rents for lower incomes in Utica. These are the largest.
Adrean Terr.,nd Peters, & FX Matts1736 Armory Dr, Utica 13501333 low-income homes · Run by Utica Housing Authority · Average payment: $398 a month · Average wait: 13 months(315) 735-5246
Gillmore/Humphrey/Hamilton/Dup929 Hillcrest Ave, Utica 13502341 homes, 331 low-income · Run by Utica Housing Authority · Average payment: $477 a month · Average wait: 15 months · Homes at several sites(315) 735-5246
Kennedy Plaza Apts700 Cornelia ST, Utica 13502204 homes, 200 low-income · Studio: 40 · 1 bd: 164 · In service since 2011
Roosevelt Residences509 2nd St, Utica 13501163 homes, 158 low-income · 1 bd: 6 · 2 bd: 23 · 3 bd: 19 · 4 bd: 2 · In service since 2020 · Run by Utica Housing Authority · Average payment: $354 a month · Average wait: 11 months(315) 735-5246
Six Nations Apts609 Jay St, Utica 13501136 homes, 133 low-income · For families(315) 732-3438
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 is 1 HUD-approved agency with an office in Oneida County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Utica or Oneida County. The ones below are statewide in New York: they work in Utica the same as in the rest of the state.
SONYMA second loan with no interest, forgiven after ten years, for the down payment with a SONYMA mortgage in New York.Offered by State of New York Mortgage Agency (SONYMA).
SONYMA mortgage at a very low fixed rate for low-income first-time buyers in New York, with a minimal down payment.Offered by State of New York Mortgage Agency (SONYMA).
No legal help resource on our list is for Utica or Oneida 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 Oneida 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 $151,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Oneida County it is $182,600.
How much does it cost to rent in Utica?
Typical rent in Utica is $951 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Oneida County is $1,210.
What is the FHA loan limit in Utica?
Utica uses the FHA limit for all of Oneida 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 $3,246 a year, according to the U.S. Census Bureau. That is 2.15% of the home’s value; in Oneida County, the rate is 2.02%.
Where can I find free help to buy or rent in Utica?
There is 1 HUD-approved counseling agency with an office in Oneida County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
