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Utica, NY Utility & Living Guide
Utica is a city in the state of New York, and the county seat of Oneida County. The tenth-most populous city in New York, its population was 65,283 in the 2020 census. It is located on the Mohawk River in the Mohawk Valley at the foot of the Adirondack Mountains, approximately 95 mi (153 km) west-no
Monthly Utility Costs
$110/mo
$60/mo
$40/mo
$20/mo
$70/mo
Housing Market
| Rent & Property | |
|---|---|
| 1 Bedroom | $950/mo |
| 2 Bedrooms | $1200/mo |
| 3 Bedrooms | $1500/mo |
| Median Home Price | $180,000 |
| Property Tax Rate | 2.8% |
| Avg Childcare/mo | $800 |
Utica’s housing market remains affordable compared to national averages, with a mix of historic homes and newer developments. Inventory is tight for move-in ready homes under $200k.
Cost of Living
85
-15% below national average
88
90
95
$800
Tax Rates
| Tax Overview | |
|---|---|
| Total Sales Tax | 8.75% |
| Property Tax Rate | 2.8% |
| <p>State 4% + County 4.75%</p> | |
NY state income tax ranges from 4-8.82% based on income brackets
Family & Relocation
55
6/10
$800/mo
City Pulse
Limited public transit options. Some sidewalks need repair but most parks have stroller access.
- Utica Zoo
- Munson-Williams-Proctor Arts Institute
- Val Bialas Ski Area
Best Neighborhoods for Families
Household Budget Calculator
Estimate your real monthly cost of living in Utica based on your household profile.
📰 Live Local News
No plastic bag ban. Short-term rental regulations require registration.
Financial Tools
- Income Tax CalculatorEstimate take-home pay by state
- Mortgage CalculatorMonthly payment estimator
- Affordability CalculatorHow much home can you afford?
- Childcare Cost EstimatorCompare daycare costs by city
- Retirement PlannerRetirement readiness check
- Car Lease CalculatorMonthly lease payment estimator
- Savings CalculatorGrow your emergency fund
- City Comparison ToolCompare cities side by side
Find Another City Guide
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📊 Utica — Census & Demographic Data
Official data from the US Census Bureau, American Community Survey.
☀️ Seasonal Utility Costs
Winter heating costs can double gas bills from December-February. Summer AC use increases electric bills by 30-40%.
🏛️ Local Tax Details
Oneida County property tax rates average $30 per $1,000 assessed value. Utica has no additional local income taxes.
👶 Family & Stroller Friendliness
6/10: Decent park access but some sidewalk gaps. Limited elevator access in older buildings.
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