salaryRent is lower than in 84% of U.S. cities. A typical house costs under 3 years of household income, which is easy by U.S. standards. Commutes are short, about 19.5 minutes.
How much money do I need?
To rent here comfortably, you should earn about $42,320 a year. That is $20 an hour at a full-time job.
Is rent cheaper than other New York cities?
Yes. Rent here is cheaper than in most of New York. It is number 21 of 343 cities from cheapest to most expensive.
How much do households earn in Utica?
Share of households by yearly income. 12.8% of households earn $100,000 or more.
Rent by apartment size in Utica
| Size | Utica | U.S. average |
|---|---|---|
| Studio | $657 | $1,338 |
| 1 bedroom | $841 | $1,324 |
| 2 bedrooms | $1,077 | $1,509 |
| 3 bedrooms | $1,111 | $1,698 |
| 4 bedrooms | $1,217 | $2,098 |
Median monthly rent plus utilities for all renters, by number of bedrooms.
How expensive is Utica overall?
Everyday prices in the Utica-Rome metro area are 7% below the U.S. average (index 92.7, U.S. = 100).
Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024.
Taxes and bills in Utica
Life in Utica
What jobs pay in Utica
| Job | Median pay | Rent / pay |
|---|---|---|
| Physician Assistant | $140,300 | 9.0% |
| Nurse Practitioner | $135,790 | 9.3% |
| Lawyer | $130,100 | 9.8% |
| Pharmacist | $129,870 | 9.8% |
| Software Developer | $113,390 | 11.2% |
| Operations Manager | $98,350 | 12.9% |
| Computer Systems Analyst | $97,100 | 13.1% |
| Dental Hygienist | $95,480 | 13.3% |
| Registered Nurse | $94,300 | 13.5% |
| Civil Engineer | $91,370 | 13.9% |
| Accountant | $79,830 | 15.9% |
| Elementary School Teacher | $77,010 | 16.5% |
| Firefighter | $75,060 | 16.9% |
| Plumber | $72,810 | 17.4% |
| Market Research Analyst | $70,170 | 18.1% |
| Licensed Practical Nurse | $61,880 | 20.5% |
| HVAC Technician | $61,880 | 20.5% |
| Electrician | $61,660 | 20.6% |
| Police Officer | $60,510 | 21.0% |
| Carpenter | $59,540 | 21.3% |
| Truck Driver | $57,650 | 22.0% |
| Server (Waiter/Waitress) | $45,950 | 27.6% |
| Customer Service Representative | $45,250 | 28.1% |
| Medical Assistant | $44,020 | 28.8% |
| Nursing Assistant | $43,560 | 29.1% |
| Warehouse Worker | $41,650 | 30.5% |
| Restaurant Cook | $38,150 | 33.3% |
| Retail Salesperson | $34,530 | 36.8% |
| Cashier | $33,070 | 38.4% |
Is it cheaper to rent or buy in Utica?
About the same. Renting and owning cost within $8 of each other each month.
Owning assumes a typical $151,300 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $15,130 for the down payment.
Frequently asked questions
What is the average rent in Utica, NY?
Renting in Utica costs a median of about $1,058 a month in 2026, including utilities. The New York median is $2,177.
How much do I need to make to live in Utica?
To keep rent under 30% of income, you need about $42,320 a year, or $20 an hour at a full-time job.
Is Utica cheap or expensive?
Utica is rated OK: rent takes 22.4% of the typical household income of $56,604. It ranks 21st cheapest of 343 New York cities we track.
How much are property taxes in Utica?
The median homeowner in Utica pays $3,246 a year in property taxes, about 2.15% of the median home value.
Is Utica more expensive than the national average?
Overall prices in the metro area are 7% 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 $151,300, about 2.7 times the typical yearly household income.
64,217 people live in Utica. Numbers are typical (middle) values.