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City Report · NY

Utica

Pop. 64,217·110th most expensive in New York·Utica rents are up 10.6% over the past year
Median rent (all units)
$1,365/mo
Year-over-Year
+10.6%
Month-over-Month
Stable
vs US Median
-$600
Stable (Monthly)
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Most AffordableMost Expensive
Utica · $1,365
More affordable than 84% of US cities · National median $1,965/mo
Affordability
31% of income
MODERATE
0%30% benchmark60%+

At $1,365/mo, rent takes about 31% of the local median household income, slightly above the 30% benchmark.

Income to afford
$55,000/yr
Local median income
$52,484/yr
Based on the 30%-of-income rule using Utica's median rent and household income. See the full affordability breakdown →
Medians by bedroom

Rent by unit size

Studio
$885
1 BR
$895
2 BR
$1,115
3 BR
$1,345
4 BR+
$1,590
Research median
$1,115/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: July 20, 2026

Annual cost
$16,380/yr
At $1,365/mo median
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 10.6% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+10.6% YoY, +0.1% MoM), not inventory.
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Demographics

Who lives here

Utica, NY is roughly split between renters and owners, has a large share of families with children, has a median income below the national average, 22.4% of residents hold a bachelor's degree or higher.

Population
64,217
Median income
$52,484
Median age
35.2
Renters
50.3%
Age distribution
25.4%
24.4%
23.9%
15.2%
Under 1825.4%
18–3424.4%
35–5423.9%
55–6411.2%
65+15.2%
Gender
49%
51%
Male49%
Female51%
Race & ethnicity
55.2%
16.6%
14.5%
White55.2%
Black16.6%
Hispanic14.5%
Asian11.2%
Other2.5%
Education (25+)
18.7%
29.9%
29.1%
22.4%
No HS diploma18.7%
HS diploma29.9%
Some college29.1%
Bachelor's+22.4%
Housing tenure
49.7%
50.3%
Owner49.7%
Renter50.3%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How Utica, NY has changed in 5 years

Income
$43,509 → $52,484
up 20.6%
Population
64,723 → 64,217
down 0.8%
Renter share
48.9% → 50.3%
+1.4 pts
Bachelor's+
19.4% → 22.4%
+3.0 pts
Median age
34.5 → 35.2
+0.7 yrs

Census figures show median household income at $52,484 today, compared with $43,509 five years earlier. Educational attainment has shifted as well, with the share of adults holding a bachelor's degree or higher climbed from 19.4% to 22.4%.

Community

Discussions about Utica

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View Utica rent history (2015–2026) →
Salary vs rent

Can you afford rent in Utica on your salary?

At $1,365/mo, how Utica rent compares to typical pay (30% rule).

By apartment size

Utica rent by bedroom count

Median rent for each apartment size in Utica. Click any size for full breakdown.

Local insights

Tips for renters in Utica

About renting in Utica, NY

Last updated: July 20, 2026

The median rent in Utica is $1,365/mo as of July 2026. A studio apartment averages $885/mo while a 2-bedroom runs $1,115/mo. One-bedroom apartments average $895/mo and 3-bedroom units go for $1,345/mo.

At 31% of local median household income ($52,484/yr), Utica ranks as moderate compared to the national benchmark of 30%. Rents have increased 10.6% over the past year.

FAQ

Frequently asked questions

Is Utica an affordable city for renters?

Utica is considered moderate for renters. At $1,365/mo, rent takes approximately 31% of the local median household income ($52,484/yr). The standard benchmark is 30%. Utica slightly exceeds that threshold, so budgeting carefully matters here.

How much income do you need to rent in Utica?

To keep rent at or below 30% of gross income, you would need to earn at least $55,000/year (~$26/hour full-time) to afford the median rent of $1,365/mo in Utica. The local median household income is $52,484/yr, meaning the typical Utica household falls short of that threshold.

Is rent going up or down in Utica?

Rent in Utica has increased 10.6% over the past year as of July 2026, putting upward pressure on renter budgets.

Which Utica neighborhoods have the lowest rent?

The most affordable ZIP codes in Utica are 13501 ($1,348/mo), and 13502 ($1,358/mo). Citywide, the median rent in Utica is $1,365/mo.

How does Utica rent compare to other cities in New York?

Utica is one of the more affordable cities in New York for rent, ranking #110 out of 126 tracked cities at $1,365/mo.

What percentage of Utica residents rent vs. own?

According to Census data, approximately 50.3% of Utica households are renters, while 49.7% are owner-occupied. With a majority renter population, Utica has a strong rental market.

How does Utica rent compare to the national average?

Utica's median rent of $1,365/mo is $600 (31%) below the US national median of $1,965/mo. Within New York, it ranks #110 out of 126 tracked cities.
Income Affordability
31%
MODERATE

At $1,365/mo, rent takes ~31% of Utica's median household income ($52,484/yr). The standard benchmark is 30%.

Utica 31%Benchmark 30%
State income tax4–10.9%
Run the Utica affordability calculator →
Lowest-rent ZIP codes in Utica
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Neighborhoods

Estimated from ZIP-level data

Schools nearby

Public schools near Utica, NY

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