New York vs Utica leftover
You'd keep $1,142 more a month in Utica
$2,384/mo leftover in Utica vs $1,242 in New York after tax and rent ($1,142 more). +$13,704 a year for the same registered nurse, the same household size, and the same number of bedrooms. Not a cost-of-living index.
New York leftover
$1,242
a month after tax and rent
Utica leftover
$2,384
+$1,142 vs New York
Compare New York to another metro
Same paycheck. Try a different city next to New York.
Monthly gap
New York → Utica
$1,142
more / month in Utica
$2,384 in Utica · $1,242 in New York · One adult, renting a 1-bedroom
Home
Only when you tap. We match the nearest metro and don't keep the coordinates.
Destination
In 2022-2023, 266 households moved New York → Utica (avg AGI $46,117). 121 went the other way. The whole move →
+$1,142 / mo
| Per month | New York | Utica | Difference |
|---|---|---|---|
| Gross pay | $9,292 | $7,324 | −$1,968 |
| Income and payroll tax | $2,886 | $1,825 | −$1,061 |
| Take-home pay | $6,405 | $5,499 | −$906 |
| Rent | $3,018 | $1,107 | −$1,911 |
| Getting around | $347 | $570 | +$223 |
| Groceries | $496 | $397 | −$99 |
| Healthcare | $558 | $446 | −$112 |
| Utilities | $310 | $248 | −$62 |
| Everything else | $434 | $347 | −$87 |
| Left over | $1,242 | $2,384 | +$1,142 |
To break even in Utica, you'd need to earn
$67,000
Household gross, versus $111,500 today. That's the salary that leaves you exactly as much at the end of the month as New York does now.
The tax difference alone
+$5,735
A year, in state and local income tax. Effective rates: 31.1% in New York, 24.9% in Utica.
More about Utica
New York, NY in full
The one place where skipping a car genuinely offsets the rent.
Utica, NY in full
State income tax topping out at 9.65%, a median 2-bedroom asking rent of $1,318 and 164 sunny days; commutes average 22 minutes.
The reverse move
Same two cities, but starting from Utica on Utica wages.
Utica → New York →Questions
Is the cost of living lower in Utica than New York?
A one-bedroom is about $3,018 in New York versus $1,107 in Utica. On a one-adult, one-bedroom household, leftover is about $1,142 a month higher in Utica. Change the job or household on the comparison to see your number.
Does Utica have state income tax?
Utica is in New York, which taxes wage income.
What changes if you move from New York to Utica?
Take-home pay is recalculated under New York tax, rent is priced at the same bedroom count, and leftover is the gap. The from-to page also lists IRS households that already made the move, when that data exists.
Leftover is take-home after federal, state and city wage tax, minus asking rent at the bedroom count you set, minus a modelled month of groceries, utilities, healthcare, transport and childcare. It is not a cost-of-living index and not a moving quote. The dollar gap between New York and Utica moves when you change the job, remote versus local pay, or bedrooms. How the math works · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.
Rent is Zillow's asking rent for each metro; taxes and living costs are modelled. An estimate, not a quote or tax advice. How this is calculated.