Brokers — List your Company Here
Featured local agent — Utica, PA
Sarah Mitchell
Compass Real Estate · Utica, PA
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
This spot is open. Be the only brokerage featured on this page — one slot, no auction.
Claim this spot* Example only — dummy agent for illustration. Your logo, name, tagline, link, and lead routing replace this content.
Utica, PA Housing Market
The typical home in Utica, PA is worth $176,886, rose 7.2% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $40,000 (through May 2026). With homes going under contract in about 172 days, Utica is a buyer's market. At today's 7.03% 30-year fixed rate, 20% down on a $176,886 home is about $944/mo in principal and interest.
Key numbers for Utica, PA
Typical home value
$176,886
+7.2% in 12 months
Zillow, August 2026
Median sale price
$40,000
Last published period
Redfin, through April 2026
Days on market
172
Slow-moving
Redfin, through April 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$54,583
Home costs 3.2x income
U.S. Census ACS, 2023
Sale-to-list ratio
80.8%
Selling below asking
Redfin, through April 2026
Zillow figures are as of August 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 Utica a buyer's or seller's market?
Utica, PA is a buyer's market and homes selling in about 172 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Utica housing market data show?
Every row below is Redfin's final published month for Utica, PA. Redfin, through April 2026
| Metric | Value |
|---|---|
| Median sale price | $40,000 |
| Median price per sq ft | $25/sq ft |
| Median days on market | 172 days |
| Sale-to-list price ratio | 80.8% |
| Homes sold (that month) | 1 |
| 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 Utica is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in 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 Utica home prices moved?
Across the 4 months we hold for Utica, PA, the median sale price rose 60.0%, from $25,000 in August 2021 to $40,000. The live Zillow value series has rose 7.2% in the last 12 months, which is the more current read now that Redfin's series has stopped.
Redfin, through April 2026 — the chart ends at Redfin's final published month.
Get Utica market alerts
Weekly updates on prices, inventory, and trends. Free forever.
What does it cost to buy a home in Utica?
Priced off the typical home value of $176,886 at the current 7.03% 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% | $35,377 | $141,509 | $944/mo |
| 5% | $8,844 | $168,042 | $1,121/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 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 $944, that implies roughly $40,471 a year before you add taxes and insurance. The median household in Utica earns $54,583, about $14,112 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 3.2x — close to the historical 3x norm, which is unusual in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Utica in the next 12 months?
Tell us your timeline. We send the 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 Utica?
Zillow does not publish a rent index (ZORI) for Utica, PA, 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 Utica?
We hold fewer than two months of inventory readings for Utica, PA, so there is no trend to report yet.
How does Utica compare to Pennsylvania and the U.S.?
Utica homes sell for $40,000 — 88% below the Pennsylvania median of $330,200. Against the national median of $410,700, Utica runs 90% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Utica, PA | $40,000 | not published | 172 days |
| Pennsylvania statewide | $330,200 | +5.3% | 30 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through April 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Utica
What buyers should watch
- The gap between 5% and 20% down here is $177 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $176,886 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 Utica listing goes under contract in 172 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 80.8% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- Your equity moved +7.2% 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 Utica varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Utica
Explore homes currently listed for sale in Utica, Pennsylvania across major real estate platforms.
How much do homes cost in Utica by property type?
How the Utica, PA market breaks down across single-family homes, condos and townhouses. Redfin, through April 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $40,000 | $25/sq ft | 1 | 172 days |
Who lives in Utica?
American Community Survey estimates for Utica. U.S. Census ACS, 2023
Population
150
Households
71
Median income
$54,583/yr
Median age
48.7 years
Owner-occupied
70.4%
Median home value
$65,000
Mean commute
37 min
70.4% of occupied homes in 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 $65,000 against Zillow's $176,886 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which cities are near Utica, PA?
Ordered by distance from Utica, not by size. Compare Utica side by side with any of them.
Utica housing market FAQ
Is Utica a buyer's or seller's market?
Utica, PA is currently a buyer's market based on the supply, pace-of-sale and sale-to-list data we hold for this city. Redfin's public market tracker last published in May 2026, so this classification will not move until a new source fills that gap.
How much do homes cost in Utica?
The typical home in Utica, PA is worth $176,886 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $40,000, about $25 per square foot.
Is Utica cheaper than the rest of Pennsylvania?
Utica's median sale price of $40,000 is 88% lower than the Pennsylvania statewide median of $330,200, and 90% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Utica?
Homes in Utica, PA spent a median of 172 days on market before going under contract, versus 30 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 Utica?
At the current 30-year fixed rate of 7.03%, 20% down on a $176,886 home is about $944 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $40,471 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $54,583.
Are home prices rising in Utica?
The typical home value in Utica, PA rose 7.2% over the last 12 months, from $165,039 to $176,886 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Utica?
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 Utica?
That depends on your timeline, not on a headline. What the data says today: Utica, PA is a buyer's market, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
Be the brokerage on this page
1 slot per pageGet featured on Utica, PA
Your logo, brokerage name, and direct link to your site — featured at the top of this page in front of every visitor researching this whole city. One brokerage, no rotation, no bidding war.
- Goes live in 24 hours
- Cancel anytime
- Do-follow backlink to your site
Keep researching Utica
Nearby markets
Get the Utica market brief
Get the Utica, PA market brief
One email: what homes are actually clearing at around $176,886, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.