The typical owner-occupied home in Utica is worth about $33,600, 85% below the Kansas median of $217,200 and 90% below the national median of $332,700. Owners pay a median $1,115 a year in property taxes, about 3.32% of their home's value, higher than the Kansas rate of 1.29%. The median household earns $66,875 a year, so the median home costs 0.5 times the median income (2.9 times for Kansas). 75% of occupied homes here are lived in by their owners, and 20% of those owners still have a mortgage.
Utica at a glance
| Utica | Kansas | U.S. | |
|---|---|---|---|
| Median home value | $33,600 | $217,200 | $332,700 |
| Median property tax paid per year | $1,115 | $2,798 | $3,119 |
| Property tax as a share of value | 3.32% | 1.29% | 0.94% |
| Median household income | $66,875 | $74,275 | $80,734 |
| Homes lived in by their owners | 75% | 67% | 65% |
| Owner homes with a mortgage | 20% | 57% | 61% |
| Median monthly costs, owners with a mortgage | $988 | $1,689 | $1,963 |
| Those costs as a share of the owners' income | 16.8% | 19.4% | 21.0% |
| Median rent | – | $1,060 | $1,413 |
| Median year homes were built | 1956 | 1976 | 1980 |
| Vacant homes | 23.2% | 9.2% | 10.1% |
| Population | 135 | 2,947,197 | 334,922,499 |
What a typical home costs per month in Utica
At this week's average 30-year rate of 7.11%, buying the median Utica home of $33,600 with 20% down costs about $288 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $344, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $12,333 for the 20%-down payment. That payment is 5% of the median Utica household income of $66,875; at that income and 20% down, the 28% guideline points to a home of about $182,000.
| Down payment | $6,720 |
|---|---|
| Loan amount | $26,880 |
| Principal and interest | $181 |
| Property taxes (3.32% a year) | $93 |
| Homeowners insurance (our estimate, 0.5% a year) | $14 |
| PMI | $0 |
| Total per month | $288 |
Change the numbers in the calculator
| Down payment | $1,176 |
|---|---|
| Loan amount | $32,991 |
| Principal and interest | $222 |
| Property taxes (3.32% a year) | $93 |
| Homeowners insurance (our estimate, 0.5% a year) | $14 |
| FHA mortgage insurance | $15 |
| Total per month | $344 |
Change the numbers in the calculator
Questions about home buying in Utica
What is the median home value in Utica?
About $33,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Utica?
Homeowners pay a median $1,115 a year, which is about 3.32% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Utica?
For the median home with 20% down at 7.11%, the payment is about $288 a month. Keeping that under 28% of gross income takes about $12,333 a year.
More about Utica
- Mortgage Refinance in Utica
- Debt Relief in Utica
- Home Equity Loans in Utica
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data