Safe Rate Local
Learn about the people, housing, costs and businesses in Utica, New York
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Utica.
True all-in cost — P&I, taxes, insurance & utilities for homes in Utica.
Find and compare lenders active near Utica.
As of today, the 30-year fixed mortgage rate for Utica is approximately 7.064% (7.117% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for UticaThe median home value in Utica is $137k. The median monthly rent is $1,110. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Utica have increased 19.5% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $980/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $42k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Utica is $54k/year.
Calculate your buying powerThe largest employment sectors in Utica are public administration (30%) and retail (9%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.