Skip to main content
LiveWhere us
Utica-Rome, NY

Cost of living in Utica, New York

Oneida County, NY

Part of the Utica Metro Area

Estimated monthly cost
$3,121/mo
for a single person, all categories combined

Population 229,645 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $928 30%
Federal tax $542 17%
Healthcare $480 15%
Groceries $404 13%
Transport $320 10%
Energy $208 7%
State tax $184 6%
Water $55 2%

Rent in Utica

Fair Market Rents by bedroom count.

Studio
$922
per month
1 bedroom
$928
per month
2 bedroom
$1,159
per month
3 bedroom
$1,396
per month
4 bedroom
$1,651
per month

Source: HUD FMR FY2025

Income and earnings in Utica

Annual earnings figures from the Census ACS.

Household income
$68,819
per year
Individual earnings
$43,187
per year
Per capita
$36,865
per year

Source: ACS 2019-2023 5-Year.

Home values in Utica

Average values reported by homeowners.

Average home value
$171,100
Annual property tax
$3,646

Source: ACS 2019-2023 5-Year

Energy costs in Utica

Estimated monthly electricity and gas costs.

Electricity
$140
per month · 23.4¢/kWh
Natural gas
$68
per month
Annual total
$2,496
per year

Source: EIA

Healthcare in Utica

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
3.3%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Utica

State and local tax rates for New York.

State income tax
10.9%
Top marginal rate
State sales tax
4.0%
Combined sales tax
8.5%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Utica

Commute patterns and estimated costs.

Average commute
20.4 min
Drive alone
75.7%
Public transit
1.1%
Work from home
10.1%

Source: ACS

Monthly cost estimates for Utica

What it costs to live in Utica each month.

Single person
$3,121
per month
  • Rent $928
  • Energy $208
  • Water $55
  • Groceries $404
  • Transport $320
  • Healthcare $480
  • Federal tax $542
  • State tax $184
Couple
$4,525
per month
  • Rent $1,159
  • Energy $250
  • Water $65
  • Groceries $669
  • Transport $420
  • Healthcare $864
  • Federal tax $796
  • State tax $302
Family
$6,967
per month
  • Rent $1,396
  • Energy $312
  • Water $75
  • Groceries $1,016
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $796
  • State tax $302

Frequently asked questions about Utica

Common questions about cost of living, rent and salary.

What is the average rent in Utica?

In Utica, New York, a one-bedroom apartment averages $928 per month, a two-bedroom averages $1,159 per month, a three-bedroom averages $1,396 per month, according to HUD Fair Market Rent data.

What is the average salary in Utica?

In Utica, New York, the average household income is $68,819 per year and individual earnings for full-time workers average $43,187 per year, according to U.S. Census Bureau data.

What is the cost of living in Utica?

The estimated cost of living in Utica, New York is approximately $3,121 per month for a single person, $4,525 for a couple, $6,967 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Utica?

The combined sales tax rate in Utica, New York is 8.52%, which includes the New York state rate of 4.00% plus an average local rate of 4.52%.

Is Utica an affordable place to live?

Based on the data, a single person in Utica, New York would need approximately $3,121 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $68,819 per year ($5,735 per month). Utica has a moderate cost of living relative to local earnings.

How much does healthcare cost in Utica?

The ACA marketplace benchmark premium in Utica, New York is approximately $480 per month for an individual. Approximately 3.3% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Utica?

The average home value in Utica, New York is $171,100, with average annual property taxes of $3,646, according to U.S. Census Bureau data.

How does Utica compare to other areas?

You can compare Utica, New York with any other US county using our comparison tool at /compare. Utica is in the Utica-Rome, NY metro area.

Other counties in New York

Browse the full list of counties in New York, ranked by cost of living.

See all counties in New York

Compare Utica with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources