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Chicago · Registered nurse · $98,500 · One adult, renting a 1-bedroom
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Albany skyline
Henry Bellagnome from Troy, New York, United States. CC BY-SA 2.0. Photo source · License
Utica skyline
Quintin Soloviev. CC BY 4.0. Photo source · License

Albany vs Utica

$306/mo less in Utica

Alabama: $2,168 left in a typical monthArizona: $2,126 left in a typical monthArkansas: $2,400 left in a typical monthCalifornia: $1,645 left in a typical monthColorado: $2,458 left in a typical monthConnecticut: $2,294 left in a typical monthDelaware: $1,980 left in a typical monthDistrict of Columbia: $2,913 left in a typical monthFlorida: $2,204 left in a typical monthGeorgia: $1,988 left in a typical monthIdaho: $2,056 left in a typical monthIllinois: $2,569 left in a typical monthIndiana: $2,407 left in a typical monthIowa: $2,838 left in a typical monthKansas: $2,391 left in a typical monthKentucky: $2,312 left in a typical monthLouisiana: $2,486 left in a typical monthMaine: $1,949 left in a typical monthMaryland: $2,359 left in a typical monthMassachusetts: $2,076 left in a typical monthMichigan: $2,360 left in a typical monthMinnesota: $2,600 left in a typical monthMississippi: $2,011 left in a typical monthMissouri: $2,581 left in a typical monthMontana: $2,222 left in a typical monthNebraska: $2,541 left in a typical monthNevada: $2,296 left in a typical monthNew Hampshire: $2,794 left in a typical monthNew Jersey: $1,864 left in a typical monthNew Mexico: $2,037 left in a typical monthNew York: $2,320 left in a typical monthNorth Carolina: $2,194 left in a typical monthNorth Dakota: $3,238 left in a typical monthOhio: $2,583 left in a typical monthOklahoma: $2,455 left in a typical monthOregon: $1,624 left in a typical monthPennsylvania: $2,380 left in a typical monthRhode Island: $2,094 left in a typical monthSouth Carolina: $2,108 left in a typical monthSouth Dakota: $2,780 left in a typical monthTennessee: $2,530 left in a typical monthTexas: $2,620 left in a typical monthUtah: $1,822 left in a typical monthVermont: $2,118 left in a typical monthVirginia: $2,326 left in a typical monthWashington: $2,473 left in a typical monthWest Virginia: $2,277 left in a typical monthWisconsin: $2,642 left in a typical monthWyoming: $2,849 left in a typical month
Less leftMore left

AlbanyUticaAbout 73 miles apart, close enough to drive.

  • Utica costs you more
  • Property tax 2.15%
  • Rent under 30% of pay

Same paycheck, two cities. $2,387/mo in Utica. $2,693/mo in Albany. −$3,672 a year.

Albany

$2,693

left each month

Utica

$2,387

−$306 vs Albany

Compare

Same paycheck, another city.

Utica wins 1 of 4Albany 3 · ties 0
$6,015Take-home · Albany$5,502
$1,367Rent · Utica$1,107
$1,955Other bills · Albany$2,008
$2,693Left over · Albany$2,387

Next

In 2022-2023, 100 households moved Albany → Utica (avg AGI $57,910). 160 went the other way. The whole move →

−$306 / mo

Alabama: $2,168 left in a typical monthArizona: $2,126 left in a typical monthArkansas: $2,400 left in a typical monthCalifornia: $1,645 left in a typical monthColorado: $2,458 left in a typical monthConnecticut: $2,294 left in a typical monthDelaware: $1,980 left in a typical monthDistrict of Columbia: $2,913 left in a typical monthFlorida: $2,204 left in a typical monthGeorgia: $1,988 left in a typical monthIdaho: $2,056 left in a typical monthIllinois: $2,569 left in a typical monthIndiana: $2,407 left in a typical monthIowa: $2,838 left in a typical monthKansas: $2,391 left in a typical monthKentucky: $2,312 left in a typical monthLouisiana: $2,486 left in a typical monthMaine: $1,949 left in a typical monthMaryland: $2,359 left in a typical monthMassachusetts: $2,076 left in a typical monthMichigan: $2,360 left in a typical monthMinnesota: $2,600 left in a typical monthMississippi: $2,011 left in a typical monthMissouri: $2,581 left in a typical monthMontana: $2,222 left in a typical monthNebraska: $2,541 left in a typical monthNevada: $2,296 left in a typical monthNew Hampshire: $2,794 left in a typical monthNew Jersey: $1,864 left in a typical monthNew Mexico: $2,037 left in a typical monthNew York: $2,320 left in a typical monthNorth Carolina: $2,194 left in a typical monthNorth Dakota: $3,238 left in a typical monthOhio: $2,583 left in a typical monthOklahoma: $2,455 left in a typical monthOregon: $1,624 left in a typical monthPennsylvania: $2,380 left in a typical monthRhode Island: $2,094 left in a typical monthSouth Carolina: $2,108 left in a typical monthSouth Dakota: $2,780 left in a typical monthTennessee: $2,530 left in a typical monthTexas: $2,620 left in a typical monthUtah: $1,822 left in a typical monthVermont: $2,118 left in a typical monthVirginia: $2,326 left in a typical monthWashington: $2,473 left in a typical monthWest Virginia: $2,277 left in a typical monthWisconsin: $2,642 left in a typical monthWyoming: $2,849 left in a typical monthAlbanyUtica
Less leftMore left
Utica · this breakdownAlbany · home
See full breakdown
Monthly and annual budget comparison between Albany, NY and Utica, NY
Per monthAlbanyUticaDifference
Gross pay$8,125$7,328−$797
Income and payroll tax$2,110$1,827−$284
Take-home pay$6,015$5,502−$513
Rent$1,367$1,107−$260
Getting around$517$570+$53
Groceries$397$397$0
Healthcare$446$446$0
Utilities$248$248$0
Everything else$347$347$0
Left over$2,693$2,387−$306

Salary to match Albany

$93,500

Gross pay in Utica that leaves the same amount as $97,500 in Albany.

Tax difference

+$570

A year, in state and local income tax. Effective rates: 26.0% in Albany, 24.9% in Utica.

More about Utica

Albany, NY in full

State income tax topping out at 9.65%, a median 2-bedroom asking rent of $1,627 and 178 sunny days; commutes average 23 minutes.

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 other way

Start in Utica.

Utica → Albany →

Questions

Is the cost of living lower in Utica than Albany?

For one adult in a one-bedroom, Utica leaves about $306 less a month. A one-bedroom is about $1,367 in Albany and $1,107 in Utica.

Does Utica have state income tax?

Utica is in New York, which taxes wage income.

What changes if you move from Albany to Utica?

The paycheck is taxed in New York. Rent stays at the same bedroom count. What you keep is the difference.

Left over each month is take-home pay minus rent and the rest of the bills. The gap between Albany and Utica changes with the job, remote or local pay, and bedrooms. How we figure this · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.

Estimate, not a quote. How we figure this.