Uprootmap

Utica, NY

Modelled metro

Cost of living in Utica: $2,390 leftover

Cost of living in Utica, as leftover, is $2,390 a month for one adult, renting a 1-bedroom on local pay — take-home after tax minus rent of $1,107 and the rest of the modelled month. A price index would say non-housing costs sit near the US average (index 0.99). New York taxes wage income on a bracket schedule. Utica is a modelled metro: rent, wages and prices come from Zillow, Census and BEA, not a hand-written city essay.

Compare vs ChicagoHow the math works

These figures start from one adult in a one-bedroom, on local pay of about $98,500. Change the job, the pay, or how many bedrooms you need, and leftover changes. This is a monthly budget, not a cost-of-living index.

The month, in dollars

Take-home is $5,505 after tax. These lines are the modelled bills, then what is left. The monthly costs page is the same household inside the city hub.

Monthly costs and leftover in Utica
Rent$1,107
Groceries$397
Transport$570
Healthcare$446
Utilities$248
Childcare$0
Everything else$347
Total costs$3,115
Leftover$2,390

Sales tax is about 8.5%. Property tax is modelled at 2.15% of a $163,400 median home. Non-housing lines scale a national baseline by this metro's cost index (0.99).

Asking rent by bedroom

Turnover asking rent in Utica, not the Census median of occupied stock. Rent versus buying.

  • Studio

    $949

  • 1 bedroom

    $1,107

  • 2 bedrooms

    $1,318

  • 3 bedrooms

    $1,727

  • 4 bedrooms

    $2,043

Leftover in other metros nearby

Same household. Each leftover is take-home after that metro's tax minus its rent.

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. Change the job, remote versus local pay, or bedrooms and the ranking is a different city. How the math works · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.

Cost of living in Utica

What is the cost of living in Utica?

On the default one-adult, one-bedroom household, leftover in Utica, NY is about $2,390 a month after tax and rent. Asking rent is about $1,107 for a one-bedroom and $1,318 for a two-bedroom. That is a budget, not a cost-of-living index.

How does Utica compare with a cost-of-living index?

A price index would say non-housing costs sit near the US average (index 0.99). Leftover still depends on your tax bill and bedroom count, which an index does not. Utica is a modelled metro: rent, wages and prices come from Zillow, Census and BEA, not a hand-written city essay.

Where is take-home pay in Utica calculated?

The take-home page for Utica splits federal, payroll, state and local wage tax, then subtracts rent. The city paycheck page is the same leftover math with the map.

Popular compares from Utica

Moving from Utica

Other New York metros

Other metros in New York, with leftover, rent, and day-to-day pages.

All New York metros