Utica - NY housing market
The Utica metro has a typical home value of $231,322, up 5.8% from a year ago. Homes are moving fast at 18 days on market, a strong seller's market. 26% of listings have had a price cut. Data from Zillow Research, updated monthly.
Utica housing market, October 2026
The typical Utica home is worth $231,322 as of September 2026, down 0.1% from the prior month, up 0.8% over three months, and up 5.8% from a year ago. Over the past two years values have ranged from $206,013 to $231,505.
Homes are going pending in about 18 days, slower than the 13 days seen three months earlier. There are roughly 919 homes for sale, 19% more than a year ago. 25.9% of listings have taken a price cut (up from 21.1% three months ago).
Typical rent is $1,424 a month, up 4.1% year over year, which puts the price-to-rent ratio at 13.5.
At this week's 7.40% mortgage rate with 20% down ($46,264), the typical Utica home costs about $1,570 a month including tax and insurance, which needs a household income of roughly $67,300 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 ($231,322) 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 5.8% over the past year. In Utica - NY, that means a home worth $218,641 last year is now worth roughly $231,322.
The median sale price, what homes actually close for, is $231,963. Homes are selling at 98.6% of list price, meaning buyers have room to negotiate.
Homes listed in Utica - NY sit on the market for roughly 18 days before going pending. Shorter = seller's market; longer = buyer's market.
About 25.9% of current listings have had at least one price cut. High price-cut shares signal sellers are adjusting expectations downward.
Roughly 295 new listings hit the market each month in Utica - NY. There are currently 919 homes for sale, up 18.6% from a year ago.
The typical monthly rent in Utica - NY is $1,424, up 4.1% year over year. On the Rent vs Buy Index that is a price-to-rent ratio of 13.5x, buying territory (#176 of 195 metros). The mortgage on a typical home here, 20% down at today's 7.4% 30-year rate, runs about $1,281 a month in principal and interest, $143 less than renting before taxes, insurance and upkeep. The two break even at a 8.51% 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 | $730,949 | +4.9% | 33.0d |
| Buffalo - NY | $287,359 | +3.6% | 13.0d |
| Rochester - NY | $281,279 | +4.9% | 10.0d |
| Albany - NY | $373,057 | +5.0% | 10.0d |
| Syracuse - NY | $268,949 | +6.6% | 9.0d |
| Binghamton - NY | $203,310 | +6.9% | 14.0d |