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Example household · $83,730 · same pay · 1 adult

Utica

Housing in Utica, NY: Rent, Home Prices & Property Tax

$2,196 left/mo

$1,107/mo (1 bd) in Utica. Median home $163,400. Property tax 2.15%.

Pick a home cityHow we figure this
Rent (1-bedroom)
$1,107
/mo
Buy
$1,333
Mortgage, tax, insurance
Buying costs more
$226
/mo

To buy

  • 20% down payment$32,680
  • Mortgage at 7.24%$891
  • Property tax (2.15% of value)$293/mo · $3,513/yr
  • Insurance and upkeep$150
  • Monthly total$1,333

Months to 20% down

$2,196 left each month. About 15 months (1.3 years) to save $32,680.

Rent is Zillow asking rent. The price is the Census median home value. The mortgage is a 30-year fixed at 7.24%, the Freddie Mac PMMS average for the week of Oct 29, 2026, with 20% down.

Guide: state tax and rent when you compare cities

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