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Featured local agent — North Utica, IL
Sarah Mitchell
Compass Real Estate · North Utica, IL
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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North Utica, IL Housing Market
The typical home in North Utica, IL is worth $216,041, rose 6.7% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $169,000, +72.5% year over year (through May 2026). With 7.0 months of supply and homes going under contract in about 197 days, North Utica is a buyer's market. At today's 6.66% 30-year fixed rate, 20% down on a $216,041 home is about $1,111/mo in principal and interest.
Key numbers for North Utica, IL
Typical home value
$216,041
+6.7% in 12 months
Zillow, July 2026
Median sale price
$169,000
+72.5% year over year
Redfin, through May 2026
Days on market
197
Slow-moving
Redfin, through May 2026
Active listings
7
7.0 months of supply
Redfin, through May 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$99,722
Home costs 2.2x income
U.S. Census ACS, 2023
Sale-to-list ratio
99.4%
Selling below asking
Redfin, through May 2026
Zillow figures are as of July 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is North Utica a buyer's or seller's market?
North Utica, IL is a buyer's market, based on 7.0 months of supply and homes selling in about 197 days. Above 5 months of supply, homes start accumulating faster than they clear, which is where buyers gain leverage on price, repairs, and closing costs.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the North Utica housing market data show?
Every row below is Redfin's final published month for North Utica, IL. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $169,000 |
| Median list price | $320,000 |
| Year-over-year price change | +72.5% |
| Median price per sq ft | $94/sq ft |
| Median days on market | 197 days |
| Active inventory | 7 listings |
| Months of supply | 7.0 months |
| Sale-to-list price ratio | 99.4% |
| Homes sold (that month) | 1 |
| New listings (that month) | 3 |
| Listings with a price cut | 14.3% |
| Market condition | Buyer's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for North Utica is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in North Utica is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have North Utica home prices moved?
Over the last three years the median sale price in North Utica, IL rose 33.6%, from $126,500 to $169,000. The live Zillow value series has rose 6.7% in the last 12 months, which is the more current read now that Redfin's series has stopped. 14.3% of North Utica listings cut their asking price in the final Redfin month — a modest share, which is what a market looks like when sellers are pricing close to where homes actually clear. For prices to fall meaningfully from here, supply would have to keep building past 7.0 months while the sale-to-list ratio slips below its current 99.4%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in North Utica?
Priced off the typical home value of $216,041 at the current 6.66% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $43,208 | $172,833 | $1,111/mo |
| 5% | $10,802 | $205,239 | $1,319/mo |
Zillow, July 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,111, that implies roughly $47,600 a year before you add taxes and insurance. The median household in North Utica earns $99,722, about $52,122 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 2.2x — close to the historical 3x norm, which is unusual in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in North Utica in the next 12 months?
Tell us your timeline. We send the North Utica market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in North Utica?
Zillow does not publish a rent index (ZORI) for North Utica, IL, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in North Utica?
Active listings in North Utica, IL went from 8 in October 2024 to 7 in May 2026, a -12.5% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| November 2024 | 8 | 1 |
| December 2024 | 10 | 4 |
| January 2025 | 10 | 1 |
| March 2025 | 8 | 2 |
| April 2025 | 7 | 1 |
| May 2025 | 9 | 3 |
| June 2025 | 8 | not published |
| September 2025 | 6 | 1 |
| October 2025 | 3 | 2 |
| January 2026 | 6 | 2 |
| April 2026 | 7 | not published |
| May 2026 | 7 | 3 |
Redfin, through May 2026
How does North Utica compare to Illinois and the U.S.?
North Utica homes sell for $169,000 — 50% below the Illinois median of $337,900. Against the national median of $410,700, North Utica runs 59% lower. Year-over-year, North Utica moved +72.5% against Illinois's +5.9% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| North Utica, IL | $169,000 | +72.5% | 197 days |
| Illinois statewide | $337,900 | +5.9% | 43 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in North Utica
What buyers should watch
- Months of supply, currently 7.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 14.3%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $208 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $216,041 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median North Utica listing goes under contract in 197 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 99.4% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month North Utica added 3 new listings against 1 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved +6.7% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside North Utica varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in North Utica
There are currently 7 homes listed for sale in North Utica, Illinois. The median listing price is $320K.
Active listings
7
Homes on market
Median list price
$320K
Avg. days on market
197
Days until sale
New this week
3
Newly listed
How much do homes cost in North Utica by property type?
How the North Utica, IL market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $199,000 | $114/sq ft | 3 | 51 days |
| Condo / co-op | $170,000 | $94/sq ft | 1 | 53 days |
| Townhouse | $169,000 | $94/sq ft | 1 | 197 days |
Who lives in North Utica?
American Community Survey estimates for North Utica. U.S. Census ACS, 2023
Population
1,215
Households
462
Median income
$99,722/yr
Median age
44.2 years
Owner-occupied
89.6%
Median home value
$212,000
Median gross rent
$1,239/mo
Mean commute
27.8 min
89.6% of occupied homes in North Utica are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $212,000 against Zillow's $216,041 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which cities are near North Utica, IL?
Ordered by distance from North Utica, not by size. Compare North Utica side by side with any of them.
North Utica housing market FAQ
Is North Utica a buyer's or seller's market?
North Utica, IL is currently a buyer's market. That read comes from 7.0 months of supply, homes going under contract in about 197 days, and sellers getting 99.4% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in North Utica?
The typical home in North Utica, IL is worth $216,041 (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $169,000, about $94 per square foot.
Is North Utica cheaper than the rest of Illinois?
North Utica's median sale price of $169,000 is 50% lower than the Illinois statewide median of $337,900, and 59% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in North Utica?
Homes in North Utica, IL spent a median of 197 days on market before going under contract, versus 43 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in North Utica?
At the current 30-year fixed rate of 6.66%, 20% down on a $216,041 home is about $1,111 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $47,600 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $99,722.
Are home prices rising in North Utica?
The typical home value in North Utica, IL rose 6.7% over the last 12 months, from $202,569 to $216,041 (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in North Utica?
North Utica ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in North Utica?
That depends on your timeline, not on a headline. What the data says today: North Utica, IL is a buyer's market with 7.0 months of supply, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
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