| Index | Utica | New York | National |
| Cost of living | 96 | 121 | 100 |
| Groceries | 106 | 106 | 100 |
| Health care | 109 | 110 | 100 |
| Housing | 62 | 144 | 100 |
| Transportation | 115 | 113 | 100 |
| Utilities | 110 | 112 | 100 |
| Lifestyle & Entertainment | 113 | 111 | 100 |
| Household Items | 104 | 106 | 100 |
| Education & Childcare | 119 | 118 | 100 |
The cost of living in Utica affects the quality of life one can afford in this new location. It allows people to assess whether they can maintain their preferred lifestyle, including housing, leisure activities and dining options. Your total monthly expenditures can varry depending on the area, as well as many other factors. The cost of living in Utica is 96, which is 4% lower than the national average. Knowledge of the cost of living can help individuals make informed decisions about retirement savings, investments, and financial goals.
The cost of living in Utica closely mirrors the national average in comparison to other cities nationwide. Essential items such as groceries, houshold expenses, health care and utilities are priced at a level consistent with similar urban areas. This means that residents of Utica can anticipate that their daily expenses will remain reasonably in line with those of an average city, contributing to a manageable cost of living.
Nobody knows their city better than the people who actually live there. So, we asked 7 local residents how they would rate the cost of living in Utica and this is how they responded. 71% of people said that the cost of living was affordable, with prices decreasing, while 29% of people said that the cost of living was very expensive and prices continue to rise.
Is Utica affordable? This is a pivotal question, especially when mulling over a move, as affordability carries substantial weight in your decision-making process. Factors such as the cost of living index (discussed earlier), housing expenses and income levels all contribute to a location's affordability. For instance, in Utica, the median home price is 44.6% lower than the national average and monthly rent prices are 22.9% lower than the typical rates. Additionally, the median income levels play a role in affordability, with Utica boasting a median household income of $63,273, 22.2% lower than the national average.
Groceries: Grocery costs have continued to increase significantly over the last 2-3 years. In some markets the cost of food has gone up by more than 20% in that period. While other markets have managed to see only a moderate uptick. These food costs can have a major impact on the cost of living in any area. In Utica, the groceries index is 5.8% higher than the national average.
Utilities: Similar to the prices of any goods or services, utility expenses can fluctuate widely, contingent on variables such as climate, available energy sources, geographical location and state regulations. Costs associated with electricity, water, heating, and waste disposal can differ in magnitude, depending on the specific city or state. In Utica, the utilities index registers at 10% higher than the national average.
Housing: A sought-after location with high housing demand often leads to increased property values and rental rates, which can significantly inflate the overall cost of living. Conversely, areas with low housing demand, particularly in less desirable locales, tend to experience the opposite effect, causing prices to drop and contributing to a more affordable cost of living. In Utica, the housing index stands at 38% lower than the national average.
The cost of living data for Utica shown above is based on a U.S. average baseline score of 100, making it easier to compare how far your dollar may go from one city to another. Housing uses U.S. Census home price and rental data, while all remaining values are AI-assisted estimates informed by regional pricing, climate, transportation dynamics, and local economic factors. These scores are best used for directional comparisons between cities.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $89,887 | $7,491 | $2,097 | $2,697 |
| Renters | $37,930 | $3,161 | $885 | $1,138 |
| State | General Sales Tax | With Max Surtax |
| New York | 4% | 8.875% |
| State | Income Tax (Low) | Income Tax (High) |
| New York | 4% | 10.9% |
| City | Population | Cost of Living Index | National Avg. |
| Westmoreland, NY | 511 | 110 | 9.6% |
| Mohawk, NY | 2,642 | 93 | 7.5% |
| Ilion, NY | 8,039 | 93 | 7.4% |
| Middleville, NY | 784 | 94 | 6.2% |
| Frankfort, NY | 2,591 | 94 | 5.9% |
| Utica, NY | 61,299 | 96 | 4.2% |
| City | Population | Cost of Living Index | National Avg. |
| Gardena, CA | 61,310 | 154 | 53.7% |
| Ocala, FL | 61,352 | 98 | 1.6% |
| Cupertino, CA | 61,240 | 329 | 228.9% |
| Lancaster, PA | 61,208 | 93 | 7.3% |
| Bartlett, TN | 61,391 | 104 | 3.8% |
| Utica, NY | 61,299 | 96 | 4.2% |
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