States › Michigan › Utica

Is Utica, MI expensive to live in?

OKRent takes 24 cents of every $1 people earn here.
🏠 Rent per month (2026)$1,25129% lower than U.S. average
💵 Families earn per year (2026)$63,327about $5,277/month · 27% lower than U.S. average
🔑 House price$231,10031% lower than U.S. average

Rent is lower than in 72% of U.S. cities. A typical house costs about 3.6 years of household income.

How much money do I need?

To rent here comfortably, you should earn about $50,040 a year. That is $24 an hour at a full-time job.

Is rent cheaper than other Michigan cities?

Yes. Rent here is cheaper than in most of Michigan. It is number 80 of 179 cities from cheapest to most expensive.

Utica
$1,251
Eaton Rapids
$1,034
Allegan
$1,233
Frankenmuth
$2,634
Kingsford
$1,014
Gladstone
$553
Springfield
$981

How much do households earn in Utica?

Under $25k
15.9%
$25k–50k
33.6%
$50k–100k
27.6%
$100k–150k
15.9%
$150k+
6.0%

Share of households by yearly income. 21.9% of households earn $100,000 or more.

Rent by apartment size in Utica

SizeUticaU.S. average
Studio$1,219$1,338
1 bedroom$999$1,324
2 bedrooms$1,385$1,509
3 bedrooms$2,653$1,698

Median monthly rent plus utilities for all renters, by number of bedrooms.

How expensive is Utica overall?

Everyday prices in Michigan overall are 4% below the U.S. average (index 96.2, U.S. = 100).

Housing
82
Goods (food, clothes…)
96
Utilities
100
Other services
101
U.S. average
100

Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for Utica, so the Michigan figure is shown.

Taxes and bills in Utica

🏛️ Property tax$3,334a year · 1.44% of home value · U.S. $3,119
⚡ Electric bill$100a month (typical) · U.S. $156

Life in Utica

Commute to work23.8 minU.S.: 26.4 min
College degree32%U.S.: 35.7%
Own their home59.1%U.S.: 65.2%
Below poverty line7.5%U.S.: 12.5%
Unemployment2.2%U.S.: 5.2%

Is it cheaper to rent or buy in Utica?

Renting is cheaper right now: about $353 a month less.

Renting
$1,251
Owning
$1,604

Owning assumes a typical $231,100 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $23,110 for the down payment.

Frequently asked questions

What is the average rent in Utica, MI?

Renting in Utica costs a median of about $1,251 a month in 2026, including utilities. The Michigan median is $1,314.

How much do I need to make to live in Utica?

To keep rent under 30% of income, you need about $50,040 a year, or $24 an hour at a full-time job.

Is Utica cheap or expensive?

Utica is rated OK: rent takes 23.7% of the typical household income of $63,327. It ranks 80th cheapest of 179 Michigan cities we track.

How much are property taxes in Utica?

The median homeowner in Utica pays $3,334 a year in property taxes, about 1.44% of the median home value.

Is Utica more expensive than the national average?

Overall prices in Michigan are 4% below the U.S. average, according to the U.S. Bureau of Economic Analysis.

How much does a house cost in Utica?

The median home value in Utica is $231,100, about 3.6 times the typical yearly household income.

5,180 people live in Utica. Numbers are typical (middle) values.