Cost of Living Comparison for Utica, NY
Updated 2026 · Local data pre-filled
Utica's cost of living index is 80 — 20% cheaper than the national average. This factors in housing, groceries, utilities, transportation, and healthcare. Use this calculator to see how your purchasing power would change if you moved to another city.
✓ Calculator below is pre-filled with Utica local data
How Utica Compares to the National Average
Understanding how Utica stacks up helps you calibrate your financial planning.
| Metric | Utica, NY | US Average | Difference |
|---|---|---|---|
| Median Home Price | $135,000 | $420,800 | -67.9% |
| Median Monthly Rent | $850 | $1,713 | -50.4% |
| Median Household Income | $44,600 | $74,580 | -40.2% |
| Property Tax Rate | 2.50% | 1.10% | +127.3% |
| Cost of Living Index | 80 | 100 | -20.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Utica Financial Snapshot
- Population (Metro)
- 145,000
- Unemployment
- 5.0%
- Avg Commute
- 21 min
- Median Age
- 35.3
- Price-to-Rent Ratio
- 13.2x
- Annual Property Tax
- $3,375
Cost of Living Comparison in Other New York Cities
Frequently Asked Questions — Utica
What is the median home price in Utica, NY?
The median home price in Utica is $135,000 as of 2025–2026. This is below the national median of $420,800.
What is the average rent in Utica?
Median monthly rent in Utica is $850. That works out to $10,200/year, or 23% of the median household income — within the commonly recommended 30% of income guideline.
Is Utica affordable?
Utica's cost of living index is 80 vs. the national average of 100. With a median household income of $44,600/year and a median home price of $135,000, the price-to-income ratio is 3.0x. Utica remains relatively affordable compared to many US metros.
What is the property tax rate in Utica?
The effective property tax rate in Utica is 2.50% of assessed value. On the median home of $135,000, that's roughly $3,375/year ($281/month).