Utica - NY housing market
The Utica metro has a typical home value of $233,378, up 6.8% from a year ago. Homes are moving fast at 17 days on market, a strong seller's market. 25% of listings have had a price cut. Data from Zillow Research, updated monthly.
Utica housing market, October 2026
The typical Utica home is worth $233,378 as of August 2026, up 0.3% from the prior month, up 1.5% over three months, and up 6.8% from a year ago. Over the past two years values have ranged from $206,613 to $233,378.
Homes are going pending in about 17 days, slower than the 15 days seen three months earlier. There are roughly 868 homes for sale, 18% more than a year ago. 24.7% of listings have taken a price cut (up from 19.7% three months ago).
Typical rent is $1,432 a month, up 3.5% year over year, which puts the price-to-rent ratio at 13.6.
At this week's 7.40% mortgage rate with 20% down ($46,676), the typical Utica home costs about $1,584 a month including tax and insurance, which needs a household income of roughly $67,900 to stay under a 28% payment-to-income ratio.
Income needed to buy assumes 20% down, a 30-year fixed mortgage at 7.4% (Freddie Mac weekly average), property tax at 1.1% and insurance at 0.4% of value per year, and a 28% payment-to-income cap. Local taxes and insurance vary; treat it as a comparison figure across metros, not a lender's answer. All metros ranked →
How to read this data
The typical home value ($233,378) is the Zillow Home Value Index for the Utica - NY metro area: a smoothed, seasonally adjusted estimate of the typical value for middle-tier homes (33rd to 67th percentile) across single-family and condo properties.
Prices are up 6.8% over the past year. In Utica - NY, that means a home worth $218,519 last year is now worth roughly $233,378.
The median sale price, what homes actually close for, is $231,827. Homes are selling at 98.4% of list price, meaning buyers have room to negotiate.
Homes listed in Utica - NY sit on the market for roughly 17 days before going pending. Shorter = seller's market; longer = buyer's market.
About 24.7% of current listings have had at least one price cut. High price-cut shares signal sellers are adjusting expectations downward.
Roughly 305 new listings hit the market each month in Utica - NY. There are currently 868 homes for sale, up 17.8% from a year ago.
The typical monthly rent in Utica - NY is $1,432, up 3.5% year over year. On the Rent vs Buy Index that is a price-to-rent ratio of 13.6x, buying territory (#173 of 195 metros). The mortgage on a typical home here, 20% down at today's 7.4% 30-year rate, runs about $1,293 a month in principal and interest, $139 less than renting before taxes, insurance and upkeep. The two break even at a 8.47% rate.
What's not on this page
This is market-level data, not property-level. We don't list individual homes for sale. For that, go to Zillow, Redfin, or your local MLS.
Data: Zillow Research (ZHVI and market indicators), refreshed monthly at the source. This page was rebuilt October 2026. Methodology →
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Other metros in NY
| Metro | Home value | 1-yr change | Days on market |
|---|---|---|---|
| New York - NY | $735,075 | +4.7% | 30.0d |
| Buffalo - NY | $291,683 | +4.1% | 11.0d |
| Rochester - NY | $286,834 | +4.9% | 9.0d |
| Albany - NY | $375,358 | +5.3% | 8.0d |
| Syracuse - NY | $270,832 | +6.7% | 8.0d |
| Binghamton - NY | $204,127 | +6.7% | 13.0d |