Cost of Living in Utica, MI

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A+
5%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
11%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Utica Michigan National
Cost of living9591100
Groceries9998100
Health care9597100
Housing8976100
Transportation9896100
Utilities100100100
Lifestyle & Entertainment9996100
Household Items9998100
Education & Childcare9695100
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Homes For Sale In Utica, MI

property for sale

54895 Starlite Dr

Shelby Township, MI
property for sale

3546 Eagle Creek Dr #8

Shelby Township, MI
property for sale

13823 Blue Beech Ln

Shelby Township, MI
property for sale

52598 Bordeaux Way

Shelby Township, MI
See the Newest Homes For Sale In Utica, MI

Cost Of Living Quick Facts

  • The cost of living in Utica is 5% higher than the Michigan average
  • The cost of living in Utica is 5% lower than the national average
  • Utica housing is 11% lower than the national average
  • Michigan general sales tax is 18% higher than the national average
  • Michigan state income tax is 64% higher than the national average

Most Affordable Places to Live in and Around Utica

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Compare Utica, MI Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$96,033$8,003$2,241$2,881
      Renters$54,732$4,561$1,277$1,642
      The affordability of the housing market in Utica, MI as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Utica homeowners, the median income is $96,033. This indicates that a monthly maximum of $2,241 should be spent by homeowners on all housing related costs. Renters have a median income of $54,732. This indicates that renters would have a maximum of $1,277 for their rent related monthly costs.

      Michigan Sales Tax

      State General Sales Tax With Max Surtax
      Michigan 6% 6%

      Michigan Income Tax

      State Income Tax (Low) Income Tax (High)
      Michigan 4.25% 4.25%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Pontiac, MI61,7648416.2%
      Center Line, MI8,3988614.0%
      Hazel Park, MI16,8458712.7%
      Eastpointe, MI33,0898812.3%
      Mount Clemens, MI16,6428911.5%
      Utica, MI5,196954.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Holbrook, AZ5,197909.7%
      Concordia, KS5,1978317.4%
      Chestertown, MD5,19711414.1%
      Grand Falls / Grand-Sault, NB5,197n/a 
      Montevideo, MN5,1988811.6%
      Utica, MI5,196954.7%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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