The median home in Utica, Pennsylvania is valued at $162,265, up 4.2% year over year. Utica is part of the Oil City, PA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$162,265

+4.2%

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$32,453 on $162,265

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

Affordable18.4% of income

Under the 28% guideline.

PITI$1,151

P/I18.4%

Afford$247K

Room+$84K

P&I $821Tax $214Ins $117

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

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

Other cities in Pennsylvania

Compare Utica with other housing markets across Pennsylvania.

Gladwyne$1.5M Villanova$1.47M Merion Station$1.04M Edgeworth$957K Devon$952K Berwyn$918K Wayne$902K New Hope$898K

Full Oil City, PA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Oil City, PA metro.

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Utica, PA