The median home in Utica, New York is valued at $195,616, up 8.5% year over year. Typical monthly rent is $1,271, producing a price-to-rent ratio of 12.8x — below the national average of 18x. Utica is part of the Utica-Rome, NY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$195,616
+8.5%
Rent$1,271/mo
AFFORDABILITYRenting $149/mo cheaper ($1,271 rent)6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.
Enter your income for Utica.
$39,123 on $195,616
Affordable — 22.7% of income
Under the 28% guideline.
PITI$1,420
P/I22.7%
Afford$241K
Room+$45K
P&I $989Tax $280Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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Full Utica-Rome, NY analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Utica-Rome, NY metro.
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