| Metric | Latest | Detail |
|---|---|---|
| Median listing price | $264,950 | +6.0% YoY |
| Median price per sq ft | $164 | 1,633 sq ft median |
| Median days on market | 52 | -3% YoY |
| Active listings | 785 | +20% YoY |
| New listings this month | 268 | September 2026 |
| Listings with a price cut | 14% | Share of active |
| Median sale price (closed) | $229,000 | -4.4% YoY · closed sales, July 2026 |
| Sale-to-list ratio | 98.5% | Closed sales, July 2026, seasonally adjusted |
| Pending-to-active ratio | 94.6% | 743 pending |
| Inventory vs 2019 | 86% | Active listings vs same month in 2019 |
| Gross rental yield | 5.3% | 2BR fair market rent |
Metropolitan market · New York · September 2026 data
What is the Utica, NY real estate market doing?
As of September 2026, the median home listed in Utica, NY asks $264,950, up 6.0% year over year. Homes spend a median of 52 days on market, with 785 active listings and 14% carrying a price cut; pending contracts equal 95% of active listings, and inventory sits at 86% of the same month in 2019 — a balanced market. Estimated gross rental yield on the median listing is 5.3%. Figures come from public records and industry data, updated monthly.
Median listing price
$264,950
▲ 6.0% YoY
Median $ / sq ft
$164
1,633 sq ft median
Median days on market
52
September 2026
Active listings
785
For sale now
New listings
268
September 2026
Listings with price cuts
14%
Share of active
Inventory vs 2019
86%
Same month, 2019 = 100
Pending / active
95%
Contract activity
Median sale price (closed)
$229,000
▼ 4.4% YoY · closed sales · July 2026
Sale-to-list ratio
98.5%
Closed sales · July 2026, seasonally adjusted
Homes sold / month
218
Closed sales · July 2026, seasonally adjusted
What is the Utica, NY housing market doing right now?
The Utica, NY housing market lists at a $264,950 median as of September 2026, up 6.0% year over year, with a 52-day median market time and 785 homes for sale (14% with a price cut). Active inventory is 86% of the 2019 level, reading as a balanced market under WealthyBud's published buyer/seller rule. Gross rental yield is about 5.3%.
Utica housing market statistics
The table summarizes Utica's key housing figures for September 2026 — median listing and closed-sale prices, market pace, inventory and rental yield — each computed from public records and industry data. Closed-sale figures are Redfin's July 2026 data, the latest settled month Redfin reports for Utica.
How have home prices changed in Utica?
Utica home prices are up 6.0% year over year and -1.7% month over month as of September 2026, at a $264,950 median listing price. The chart tracks the trailing eight-quarter trend in the metro's median asking price.
Median listing price, Utica NY · trailing 8 quarters · source: public records and industry data.
The 10-year view
10-year median listing price, Utica NY · June of each year, 2017–2026 · source: public records and industry data.
How much inventory is on the market in Utica?
Utica has 785 active listings, 268 new this month, 743 pending as of September 2026. About 14% of active listings have cut their price, and inventory sits at 86% of its 2019 level — a balanced market by pace.
Is Utica a good real estate investment?
Utica scores 68/100 on WealthyBud's composite Investor Score, ranking #126 of 933 covered U.S. metros as of September 2026. The score blends price momentum, value, rental yield, supply and market heat into one percentile. It is a research opinion, not advice.
Investor Score
68/100
#126 of 933 covered metros
Price volatility
Low
σ 4.8% · 20-yr price-index swings
Utica scores 68/100 on our composite Investor Score (#126 of 933 covered metros), a percentile blend of momentum, value, rental yield, supply and market-heat readings; the metro's long-run house price index has it up 59% over five years and +106% over ten, leaving prices 49% above its own 2000–2019 trend; at the published FY2026 fair market rent of $1,172/mo for a two-bedroom, the gross rental yield on the median listing is about 5.3%; active inventory sits at 86% of its June 2019 level, so supply is still below pre-pandemic norms; listing prices are up 6.0% year over year; all against a national 30-year fixed mortgage rate of 7.28% (national weekly average, 2026-10-01).
Scores are percentile ranks (0–100) across all covered U.S. metros, computed from the public data cited on this page — formulas here. They are data-derived opinions, not investment advice. See how Utica ranks on the trending markets index.
How much is a monthly mortgage payment in Utica?
A home at Utica's $264,950 median listing runs about $1,450 a month in principal and interest — 20% down on a 30-year fixed loan at the current 7.28% national average rate. Taxes, insurance and HOA are extra.
If rates fall 1% · 6.28%
$1,309/mo
−$141/mo vs today
At today's rate · 7.28%
$1,450/mo
National weekly average
If rates rise 1% · 8.28%
$1,597/mo
+$147/mo vs today
Principal & interest on the $264,950 median listing with 20% down and a 30-year fixed loan — excludes taxes, insurance and HOA. Current rate: 7.28% (national weekly average, 2026-10-01). Model a full deal in the deal analyzer.
How much income do you need to buy a home in Utica?
To buy Utica’s $264,950 median listing with 20% down, a household needs about $82,000 a year in gross income, keeping principal, interest and property tax ($1,925/mo) at 28% of income. That is 1.2× the area’s $68,830 median household income, so a typical Utica household cannot afford the median listing on these terms.
| Item | Amount | Basis |
|---|---|---|
| Median listing price | $264,950 | September 2026 |
| Down payment (20%) | $52,990 | Assumption |
| Principal & interest (7.28%, 30-yr fixed) | $1,450/mo | Rate as of 2026-10-01 |
| Property tax (2.15% effective rate) | $475/mo | Census ACS |
| Income needed (28% rule) | $82,000 | Gross household income / yr |
| Median household income | $68,830 | Census ACS 2023 ACS 5-year |
Excludes homeowners insurance, HOA dues and mortgage insurance, so the true income needed is higher. Compare every market in the income-needed ranking and the price-to-income ranking.
What is driving the Utica housing market?
Longer-run demand in Utica shows up in 281 homes permitted in 2025; net migration of -760 residents; 0.0% job growth. Natural-hazard risk rates Relatively Moderate. These federal supply-pipeline, migration and jobs signals shape where prices head next.
Building permits (2025)
281
▲ 8.9% vs 2024
1.0 per 1,000 residents
Net migration (2022–2023)
-760
▼ people, via tax-return records
net income flow −$38.4M/yr
Job growth (YoY)
0.0%
122.7k nonfarm jobs · August 2026
Natural-hazard risk
Relatively Moderate
National hazard index · top hazard: Riverine flooding
Based on public government records — building-permit, tax-return migration, employment and natural-hazard statistics, aggregated to the metro. Details on /methodology.
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ReadUtica housing market FAQ
What is the median home price in Utica?
As of September 2026, the median listing price in Utica, NY is $264,950, up 6.0% year over year (source: public records and industry data). Figures cover the Utica-Rome, NY metro area.
How much does it cost to buy a home in Utica?
The median home listed in Utica asks $264,950 as of September 2026. With 20% down on a 30-year fixed loan at the current 7.28% national average rate, that runs about $1,450 a month in principal and interest, before taxes, insurance and HOA.
How fast are homes selling in Utica?
The median property in Utica spends 52 days on the market, with 785 homes actively listed and 14% of them carrying a price cut — a balanced market as of September 2026.
Is it a buyer's or seller's market in Utica?
With a median 52 days on market and 14% of active listings carrying a price cut, pending contracts at 95% of active listings, Utica reads as a balanced market as of September 2026. Labels use WealthyBud's published DOM / sale-to-list / price-cut / pending rule. Conditions shift monthly.
Is Utica a good place to invest in real estate?
Utica scores 68/100 on WealthyBud's Investor Score, ranking #126 of 933 covered U.S. metros as of September 2026. The score blends price momentum, value, rental yield, supply and market heat. It is a data-derived research opinion, not investment advice.
Who are the top real estate agents in Utica?
See WealthyBud directories for the top-producing agents, teams and brokerages serving Utica and the wider New York market, ranked by recent sales from public profile data.
Based on public records and industry data, September 2026 — see our methodology for how every figure is computed. Figures cover the Utica-Rome, NY metro area. Figures change monthly — verify current conditions with a local agent or MLS. Portions of market data courtesy of Realtor.com and Redfin; additional statistics from U.S. government sources.
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