Cost Of Living in Utica, MN

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7%

Overall NAT. AVG.

0%

Groceries NAT. AVG.

26%

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	Minnesota	National
Cost of living	93	100	100
Groceries	100	100	100
Health care	99	100	100
Housing	74	100	100
Transportation	102	100	100
Utilities	108	104	100
Lifestyle & Entertainment	96	100	100
Household Items	100	100	100
Education & Childcare	102	99	100

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Cost Of Living Quick Facts

The cost of living in Utica is 7% lower than the Minnesota average
The cost of living in Utica is 7% lower than the national average
Utica housing is 26% lower than the national average
Minnesota general sales tax is 35% higher than the national average
Minnesota state income tax is 106% higher than the national average

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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	$110,312	$9,193	$2,574	$3,310
Renters	$97,151	$8,096	$2,267	$2,915

Minnesota Sales Tax

State	General Sales Tax	With Max Surtax
Minnesota	6.875%	7.875%

Minnesota Income Tax

State	Income Tax (Low)	Income Tax (High)
Minnesota	5.35%	9.85%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Peterson, MN	267	87	13.0%
Altura, MN	461	93	6.6%
Winona, MN	27,459	94	6.4%
Plainview, MN	3,395	95	5.1%
Goodview, MN	4,275	95	5.3%
Utica, MN	262	93	6.9%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Whittier, AK	262	100	0.2%
Waverly, AL	262	99	1.0%
Caryville, FL	262	78	22.0%
Cumberland, IA	262	80	19.5%
Hickory, KY	262	97	3.0%
Utica, MN	262	93	6.9%