Utica vs New York leftover
Moving to New York costs you $1,141 a month
$1,249/mo leftover in New York vs $2,390 in Utica after tax and rent ($1,141 less). −$13,692 a year for the same registered nurse, the same household size, and the same number of bedrooms. Not a cost-of-living index.
Utica leftover
$2,390
a month after tax and rent
New York leftover
$1,249
−$1,141 vs Utica
Compare Utica to another metro
Same paycheck. Try a different city next to Utica.
Monthly gap
Utica → New York
$1,141
less / month in Utica
$1,249 in New York · $2,390 in Utica · 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, 121 households moved Utica → New York (avg AGI $55,587). 266 went the other way. The whole move →
−$1,141 / mo
| Per month | Utica | New York | Difference |
|---|---|---|---|
| Gross pay | $7,333 | $9,304 | +$1,970 |
| Income and payroll tax | $1,828 | $2,891 | +$1,063 |
| Take-home pay | $5,505 | $6,412 | +$907 |
| Rent | $1,107 | $3,018 | +$1,911 |
| Getting around | $570 | $347 | −$223 |
| Groceries | $397 | $496 | +$99 |
| Healthcare | $446 | $558 | +$112 |
| Utilities | $248 | $310 | +$62 |
| Everything else | $347 | $434 | +$87 |
| Left over | $2,390 | $1,249 | −$1,141 |
To break even in New York, you'd need to earn
$135,000
Household gross, versus $88,000 today. That's the salary that leaves you exactly as much at the end of the month as Utica does now.
The tax difference alone
−$5,743
A year, in state and local income tax. Effective rates: 24.9% in Utica, 31.1% in New York.
More about New York
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.
New York, NY in full
The one place where skipping a car genuinely offsets the rent.
The reverse move
Same two cities, but starting from New York on New York wages.
New York → Utica →Questions
Is the cost of living lower in New York than Utica?
A one-bedroom is about $1,107 in Utica versus $3,018 in New York. On a one-adult, one-bedroom household, leftover is about $1,141 a month lower in New York. Change the job or household on the comparison to see your number.
Does New York have state income tax?
New York is in New York, which taxes wage income, plus a local wage tax of 3.88%.
What changes if you move from Utica to New York?
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 Utica and New York 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.