Below Average CostHigher than AverageUTICA CITY SCHOOL DISTRICT
Utica, New York · Quintin Soloviev / CC BY 4.0Stanley facade · Lisa / CC BY 2.0Liberty Bell, Utica, NY · Doug Kerr / CC BY-SA 2.0Utica 97 002 · Jmancuso of English Wikipedia / Public domain
Utica is a mid-sized city of 64,728 in New York, with a median household income of $48,212
and a 7.0% unemployment rate.
Its cost of living index is 92 (US average = 100), which is
8% below the national average.
Strengths:
Utica stands out for an affordable cost of living, below-average home prices, short average commutes.
Trade-offs:
Potential downsides include an elevated unemployment rate. Whether Utica is right for you depends on your priorities — the full breakdown is below.
All Utica city data on this page comes from official government sources —
the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 92.3
Utica's overall cost of living index is 92.3,
where 100 represents the US national average.
Living in Utica costs roughly 8% less than the average American city.
Metric
Utica, NY
National Avg
Median Home Value
$123,800
$244,900
Median Monthly Rent
$873
$1,163
Homeownership Rate
49.4%
65.9%
Median Household Income
$48,212
$74,755
Crime & Safety
Higher than Average
Utica's violent crime rate is 527.8 per 100,000 residents
— 39% higher than the national average of ~380 per 100,000.
Violent Crime
527.8 /100k
Property Crime
2949.4 /100k
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
Utica is served primarily by UTICA CITY SCHOOL DISTRICT.
The student-to-teacher ratio is 13.3:1
(better than the national average of ~16:1).
Metric
Utica, NY
National Avg
School District
UTICA CITY SCHOOL DISTRICT
—
Elementary Schools
10
—
Middle Schools
2
—
High Schools
1
—
Student/Teacher Ratio
13.3:1
16:1
Bachelor's Degree or Higher
20.6%
35.4%
High School Diploma or Higher
80.8%
91.1%
Weather & Climate
Utica sees average highs of 29.6°F in January
and 80.5°F in July,
with 48.0 inches of annual precipitation
and 164.0 inches of snow per year.
Utica's cost of living index is 92, where 100 is the national average.
That makes Utica roughly 8% less expensive than a typical US city — a meaningful affordability advantage.
The median home price is $123,800 and median rent is $873/month.
Utica's violent crime rate is 527.8 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 2949.4 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.
Public schools in Utica are operated by UTICA CITY SCHOOL DISTRICT.
The district has 10 elementary, 2 middle, and 1 high schools.
The student-to-teacher ratio is 13.3:1. 20.6% of adults 25+ hold a bachelor's degree or higher.
Utica, NY has a population of 64,728, a median household income of $48,212, and an unemployment rate of 7.0%.
It offers below-average costs of living, which stretches take-home pay further than in most American cities. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.
Utica averages 29.6°F in January and 80.5°F in July. Annual rainfall is 48.0 inches
with about 164.0 inches of snow per year.
Based on NOAA 30-year climate normals (1991–2020).
Utica, NY is covered by 2 ZIP codes: 13502, 13501.
The population of Utica, New York is 64,728 with a median age of 34.5. Source: US Census ACS 5-Year Estimates.
Key numbers for living in Utica: cost of living index 92 (100 = US average), median home $123,800, median household income $48,212, crime index 140 (100 = US average, lower is safer), schools rated C+. Whether these are benefits or drawbacks depends on where you're coming from — compare Utica side by side with your current city to see the trade-offs.
