Utica, NY home prices
Typical home $231,322 · +5.8% in a year · income needed $75,000
The Utica, NY metro area ranks 515 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +5.8% in a year and +39.7% over five years. With 20% down at 7.11%, the typical home costs about $1,750 a month including 2.02% property tax (Oneida County rate).
Mortgage on the typical Utica home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $46,264 | $185,058 | $1,245 | $0 | $505 | $1,750 | $75,000 |
| 10% down | $23,132 | $208,190 | $1,401 | $87 | $505 | $1,992 | $85,400 |
| 5% down | $11,566 | $219,756 | $1,478 | $92 | $505 | $2,075 | $88,900 |
| 3.5% down (FHA) | $8,096 | $227,132 | $1,528 | $102 | $505 | $2,135 | $91,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.02% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Utica area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Oneida County, NY | $237,718 | +5.6% | 2.02% |
| Herkimer County, NY | $204,078 | +6.2% | 2.1% |
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Frequently asked questions
How much is a house in Utica?
The typical home in the Utica, NY metro area is worth $231,322 (Zillow, September 2026).
What salary do you need to buy a house in Utica?
About $75,000 a year for the typical home with 20% down at 7.11%.