The typical owner-occupied home in Utica is worth about $86,700, 66% below the Pennsylvania median of $254,500 and 74% below the national median of $332,700. Owners pay a median $1,333 a year in property taxes, about 1.54% of their home's value, higher than the Pennsylvania rate of 1.30%. The median household earns $48,929 a year, so the median home costs 1.8 times the median income (3.3 times for Pennsylvania). 78% of occupied homes here are lived in by their owners, and 53% of those owners still have a mortgage.
Utica at a glance
| Utica | Pennsylvania | U.S. | |
|---|---|---|---|
| Median home value | $86,700 | $254,500 | $332,700 |
| Median property tax paid per year | $1,333 | $3,311 | $3,119 |
| Property tax as a share of value | 1.54% | 1.30% | 0.94% |
| Median household income | $48,929 | $77,971 | $80,734 |
| Homes lived in by their owners | 78% | 69% | 65% |
| Owner homes with a mortgage | 53% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,313 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 24.5% | 19.4% | 21.0% |
| Median rent | $379 | $1,209 | $1,413 |
| Rent as a share of renters' income | 13.8% | 29.2% | 30.6% |
| Median year homes were built | 1944 | 1965 | 1980 |
| Vacant homes | 27.5% | 9.2% | 10.1% |
| Population | 157 | 13,018,639 | 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 $86,700 with 20% down costs about $614 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $758, 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 $26,313 for the 20%-down payment. That payment is 15% of the median Utica household income of $48,929; at that income and 20% down, the 28% guideline points to a home of about $161,000.
The median rent here is $379 a month, so owning the median home costs about $235 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $17,340 |
|---|---|
| Loan amount | $69,360 |
| Principal and interest | $467 |
| Property taxes (1.54% a year) | $111 |
| Homeowners insurance (our estimate, 0.5% a year) | $36 |
| PMI | $0 |
| Total per month | $614 |
Change the numbers in the calculator
| Down payment | $3,034 |
|---|---|
| Loan amount | $85,130 |
| Principal and interest | $573 |
| Property taxes (1.54% a year) | $111 |
| Homeowners insurance (our estimate, 0.5% a year) | $36 |
| FHA mortgage insurance | $38 |
| Total per month | $758 |
Change the numbers in the calculator
Questions about home buying in Utica
What is the median home value in Utica?
About $86,700 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 $1,333 a year, which is about 1.54% 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 $614 a month. Keeping that under 28% of gross income takes about $26,313 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