The typical owner-occupied home in Utica is worth about $112,500, 51% below the Missouri median of $230,300 and 66% below the national median of $332,700. Owners pay a median $1,013 a year in property taxes, about 0.90% of their home's value, higher than the Missouri rate of 0.85%. The median household earns $71,563 a year, so the median home costs 1.6 times the median income (3.3 times for Missouri). 94% of occupied homes here are lived in by their owners, and 31% of those owners still have a mortgage.
Utica at a glance
| Utica | Missouri | U.S. | |
|---|---|---|---|
| Median home value | $112,500 | $230,300 | $332,700 |
| Median property tax paid per year | $1,013 | $1,948 | $3,119 |
| Property tax as a share of value | 0.90% | 0.85% | 0.94% |
| Median household income | $71,563 | $70,702 | $80,734 |
| Homes lived in by their owners | 94% | 68% | 65% |
| Owner homes with a mortgage | 31% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $786 | $1,524 | $1,963 |
| Those costs as a share of the owners' income | 16.5% | 19.0% | 21.0% |
| Median rent | – | $1,033 | $1,413 |
| Median year homes were built | 1963 | 1978 | 1980 |
| Vacant homes | 11.8% | 11.2% | 10.1% |
| Population | 211 | 6,191,814 | 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 $112,500 with 20% down costs about $737 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $924, 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 $31,572 for the 20%-down payment. That payment is 12% of the median Utica household income of $71,563; at that income and 20% down, the 28% guideline points to a home of about $255,000.
| Down payment | $22,500 |
|---|---|
| Loan amount | $90,000 |
| Principal and interest | $605 |
| Property taxes (0.90% a year) | $84 |
| Homeowners insurance (our estimate, 0.5% a year) | $47 |
| PMI | $0 |
| Total per month | $737 |
Change the numbers in the calculator
| Down payment | $3,938 |
|---|---|
| Loan amount | $110,462 |
| Principal and interest | $743 |
| Property taxes (0.90% a year) | $84 |
| Homeowners insurance (our estimate, 0.5% a year) | $47 |
| FHA mortgage insurance | $50 |
| Total per month | $924 |
Change the numbers in the calculator
Questions about home buying in Utica
What is the median home value in Utica?
About $112,500 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 $1,013 a year, which is about 0.90% 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 $737 a month. Keeping that under 28% of gross income takes about $31,572 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