Cost of Living in Utica, NY
Population 64,440 · New York · Data vintage 2023
(100 = US avg)
The Utica cost-of-living profile is closer to the US median than most headline-grabbing metros — typical homes around $133,000, rents near $907 a month. A poverty rate near 28% adds context to the income figures — well above the US average, and worth factoring into any comparison with cities on the coasts or in the Rockies.
Geographically, Utica is about 45 miles east of Syracuse, the nearest large metro. Housing prices track closely with Syracuse's $125,000 median.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Utica
The median home value in Utica is $133,400 — 56% below the national median of $305,000. Median rent runs $907/month, 31% lower than the national median of $1,314/month. The median household income of $51,513/year is 31% lower than the US median of $74,580. The local unemployment rate is 7.2%, above the national average of 4.8%. New York's top state income tax rate is 10.9% and the combined sales tax is 8.5%. The climate averages highs of 56.0°F and lows of 37.4°F. Overall, Utica has a cost of living index of 54 versus the US average of 100, meaning it is 46% less expensive.
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 30 | 32 | 41 | 55 | 68 | 76 | 81 | 79 | 72 | 59 | 46 | 35 |
| Low °F | 14 | 15 | 23 | 35 | 46 | 55 | 60 | 58 | 51 | 41 | 31 | 21 |
| Precip" | 2.65 | 2.26 | 3.02 | 3.91 | 3.88 | 4.47 | 4.18 | 4.68 | 3.47 | 4.29 | 3.63 | 3.56 |
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
🏫 Schools
NCES CCD 2019 — public school district data
Frequently Asked Questions
What is the cost of living in Utica, NY?
Utica has a cost index of 54 (100 = national average). It is 46% below the national average.
What is average rent in Utica, NY?
The median gross rent in Utica is $907 per month based on 2023 Census data.
What is the average home price in Utica?
The median home value in Utica is $133,400 according to Zillow and Census data.
What is the median income in Utica?
The median household income in Utica is $51,513 per year (2023 ACS 5-year estimates).
What is the sales tax in Utica, NY?
The combined state and local sales tax rate in Utica is 8.5%. The New York state income tax top rate is 10.9%.
Is Utica, NY affordable?
Yes, Utica is generally considered affordable, with a cost of living index of 54 — about 46% below the US national average of 100.
What is the weather like in Utica?
Utica has average high temperatures of 56.0°F and average lows of 37.4°F. Annual precipitation is 44". Data from NOAA 1991–2020 Climate Normals.
Utica at a Glance
- Population
- 64,440
- Median Income
- $51,513
- Home Value
- $133,400
- Median Rent
- $907/mo
- Unemployment
- 7.2%
- Avg High Temp
- 56.0°F
- Sales Tax
- 8.5%
Nearby Cities
Explore county-level cost of living data
New York Rankings
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