The median home in Utica, Minnesota is valued at $374,410, up 1.0% year over year. Utica is part of the Winona, MN metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$374,410

+1.0%

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$74,882 on $374,410

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

Out of reach38.3% of income

Need $102,557/yr to afford.

PITI$2,393

P/I38.3%

Afford$274K

Gap-$101K

P&I $1,893Tax $349Ins $150

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

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

Other cities in Minnesota

Compare Utica with other housing markets across Minnesota.

Minnetonka Beach$2.22M Woodland$1.62M Greenwood$1.6M Sunfish Lake$1.16M Orono$1.08M Medicine Lake$1.08M Tonka Bay$1.06M Deephaven$1.02M

Full Winona, MN analysis

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

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Utica, MN