The median home in Utica, Kentucky is valued at $236,631, up 2.5% year over year. Utica is part of the Owensboro, KY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$236,631

+2.5%

Prices rising — worse for buyers.

Affordability

Enter your income for Utica.

Income (annual)

Down Payment

$47,326 on $236,631

Example: $75,000 household income. Change it above to see your own.

Affordable24.5% of income

Under the 28% guideline.

PITI$1,533

P/I24.5%

Afford$270K

Room+$33K

P&I $1,197Tax $170Ins $167

6.50% 30yr, 20% down, county tax + KY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Kentucky

Compare Utica with other housing markets across Kentucky.

Prospect$595K Finchville$481K Goshen$474K Crestwood$467K River Bluff$446K Wilsonville$445K Union$444K Buckner$429K

Full Owensboro, KY analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Owensboro, KY metro.

View Owensboro, KY metro

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Utica, KY