Affordability evidence
Utica, NY home values, income, and owner costs
A borrower-focused reading of the latest ACS value, income, and owner-cost evidence for Utica, NY.
Source: U.S. Census Bureau
Last updated . Article facts reviewed through this date. Time-sensitive figures show their own as-of dates.
In Utica, NY, the 2024 ACS reports a median owner-occupied home value of $151,300, median household income of $52,484, and median selected monthly owner costs of $1,352 for owners with a mortgage. For the decision at hand, together, those three reference points may help a borrower identify which search-price, income, and recurring-cost assumptions need current verification first. They remain separate medians, not the finances of one representative household, and the $1,352 measure combines recurring ownership expenses rather than real estate taxes alone. In practical terms, a useful affordability review starts with $151,300, $52,484, and $1,352, then replaces them with the borrower's documented income, cash, debts, property taxes, insurance, association charges, loan terms, and intended occupancy.
Utica, NY's $151,300 median home-value estimate is below the statewide $423,800 estimate, with a reported city-to-state gap of 64.3%.