Utica, NY

Metro area in New York · Updated Jan 2026

12-Month Forecast ↑ +3.2%

Median Home Value

$213,496

↑ +6.7%

Year-over-year

Median Rent

$1,387/mo

↑ +3.7%

Year-over-year

Rental Yield

7.8%

Excellent for investors

5-Year Appreciation

+45.8%

Income Needed to Buy

$56,451

20% down, 30% DTI max

Active Listings

628

For-sale inventory

Price-to-Rent Ratio

12.8

Favors buying

Price Forecast

1 Month

↑ +0.4%

3 Months

↑ +1.1%

12 Months

↑ +3.2%

5-Year Price Trend

Calculate your mortgage for Utica, NY

See monthly payments for a $213,496 home →

Should you rent or buy in Utica, NY?

Price-to-rent ratio: 12.8x — Buying likely wins. Run a full breakeven analysis with Utica, NY numbers pre-filled →

Frequently Asked Questions