What is the cost of living in Utica, NY?
According to the most recent data on the cost of living, Utica has an overall cost of living index of 97, which is 1.0x lower than the national index of 100.
Compared to New York, Utica has a cost of living index that's 0.8x lower than New York's index of 121.
The standard of living in Utica ranks as #39 most affordable out of the 336 places we measured in New York. By definition, that implies Utica ranks as the #297 most expensive place in the Empire State.
For more reading on life in Utica, check out:
Utica Cost Of Living Vs. New York
Six factors go into calculating the cost of living index in Utica. Here is how it fares on each of the criteria:
The Services index in Utica is 107.
The Groceries index in Utica is 109.
The Health index in Utica is 62.
The Housing index in Utica is 116.
The Transportation index in Utica is 111.
The Utilities index in Utica is 113.
| Living Expense | Utica | New York | National Average |
|---|---|---|---|
| Overall | 97 | 121 | 100 |
| Services | 107 | 105 | 100 |
| Groceries | 109 | 108 | 100 |
| Health | 62 | 143 | 100 |
| Housing | 116 | 112 | 100 |
| Transportation | 111 | 114 | 100 |
| Utilities | 113 | 111 | 100 |
Utica Cost Of Living Compared To New York Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around New York, check out:
Protect your home budget Compare home warranties in Utica Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Utica, NY Housing Cost Breakdown
Housing swings affordability the most between places in New York, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Utica is $202,754.
The Median Rent in Utica is $951.
The Median Income in Utica is $52,484.
The Home Value To Income in Utica is 3.9x.
The Rent To Monthly Income in Utica is 0.22x.
Utica, NY Costs By Category
Detailed Utica Services costs vs. New York
Detailed Utica Groceries costs vs. New York
Detailed Utica Health costs vs. New York
Detailed Utica Transportation costs vs. New York
Utica SnackAbility
Cost Of Living In Cities Around Utica
The cost of living varies in the cities and towns around Utica. Here's a quick look at the cost of living in the most populous nearby places:
Rome, NY has a cost of living index of 98, 1.0x Utica.
Ilion, NY has a cost of living index of 92, 0.9x Utica.
Herkimer, NY has a cost of living index of 95, 1.0x Utica.
