How much rent can you afford in Utica, NY?
Run your salary against Utica's current rent, or find the income you'd need for a target rent. Powered by live RentDataNow medians.
The 30% rent rule, in Utica
At a median rent of $1,365/mo, Utica is moderately stretched when measured against Utica median household income of $52,484/yr. Rent would consume roughly 31% of pre-tax income, and a salary of about $54,600 keeps rent at the recommended 30% threshold.
How Utica compares nearby
Median rent for the closest cities with data.
Frequently asked
How much rent can I afford in Utica?
On a $52,484 salary (the Utica median household income), the recommended ceiling is 30% of pre-tax income, or about $1,312/mo. Utica's median rent is $1,365/mo. Use the calculator on this page to run your own salary.
What salary do I need to live in Utica?
To keep Utica's $1,365/mo median rent under 30% of income, you'd need about $54,600/yr. Lower your target share (e.g. 25%) to need more, or raise it (e.g. 40%) to need less.
Is Utica affordable on the median New York income?
Utica is moderately stretched on a $52,484 income. Rent would take 31% of pre-tax pay, outside the recommended 30% threshold.
What's the 30% rent rule?
The 30% rule is a long-standing budgeting guideline that keeps rent at or below 30% of gross (pre-tax) income. It leaves enough room for utilities, transit, savings, and debt service. In high-cost markets, many renters exceed 30%, and the Census Bureau classifies households paying more than 30% of income on rent as "cost-burdened".