Sep 2026
$237K
+0.3% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
Utica, NY housing market
Utica, NY metro median sale price $237K in Sep 2026, up 0.3% year over year. Also days on market, price cuts, affordability and ZIP-code figures.
The median sale price in the Utica, NY metro is $237K as of Sep 2026, up 0.3% from a year earlier. FHFA's repeat-sales index for the metro shows a larger change, up 8.8% through Q2 2026, 8.4 points apart; Price reconciliation below shows both.
On median sale price, Utica ($237K) ranks 11th of the 13 New York metros Pecan Street tracks, between Watertown ($250K) and Binghamton ($220K). On median days on market, Utica (52 days) ranks 9th of the 13 New York metros, between Syracuse (53 days) and Binghamton (48 days). On share of listings with a price cut, Utica (31%) ranks 5th of the 13 New York metros, between Elmira (35%) and Ithaca (31%).
Listings spent a median 52 days on market in Sep 2026, fewer than in most of the 385 U.S. metros Pecan Street ranks on this measure. 31% of active listings carry a price cut, 0.1 points more than a year earlier. That share is lower than in most of the 385 metros. Median asking prices sit about 12% above the median sale price.
At the 7.29% 30-year fixed rate with 20% down, principal and interest on a median-priced home come to $1,301 a month; at 28% of gross income, that takes about $56K a year. The median sale price equals about 14 years of HUD Fair Market Rent, a ratio down 2.3% from a year earlier. That ratio is lower than in most of the 373 metros. Active listings ask a median $164 per square foot, up 5.1% from a year earlier.
In six of the 11 ZIP codes in the table below, median list prices are higher than a year earlier; five are lower.
Headline
Oct 15, 2026
7.29%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$1,301/mo
$56K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How Utica compares to other U.S. metros
| Asking-vs-sale gap | ↑45th of 292 (top 16%) |
|---|---|
| Price-to-rent | ↓285th of 373 |
| Price cuts | ↓289th of 385 |
| Home-price growth | ↓274th of 383 |
| Days on market | ↓260th of 385 |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 14 -2.3% YoY ↓285th of 373 |
|---|---|
| Asking price / sq ft | $164 +5.1% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 31% +0.1 pts YoY ↓289th of 385 |
|---|
The median asking price $265K runs about 12% above the median sale price $237K.
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. Asking is the median list price of active listings (Realtor.com, this month); sale is the headline median of recent closings (Redfin, a rolling 3-month median) — distinct sources and windows, so the gap is a directional read, not a like-for-like difference. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 11 shown of 62 |
|---|---|
| MLS board of record | — |
| Price methodology | Redfin vs FHFA HPI |
| Data as of | Sep 2026 |
Recent signals
No signals flagged for this market right now.
Price reconciliation
red · 8.4ppRedfin (metro) +0.3% | FHFA HPI · Q2 2026 +8.8% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
More markets in NY
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Try it freeZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 13316 | $262K↑ | 35↑ | 6↓ | 8↑ | 49↓ | $201K↑ |
| 13323 | $347K↓ | 26↑ | 4↑ | 4↑ | 58↓ | $306K↑ |
| 13350 | $195K↓ | 33↑ | 4↓ | 14↑ | 38↓ | $163K↑ |
| 13357 | $110K↓ | 28↑ | 14↑ | 6↑ | 46↓ | $156K↑ |
| 13365 | $185K↑ | 40↑ | 12 | 12↑ | 62↓ | $173K↑ |
| 13413 | $493K↑ | 46↑ | 12↑ | 12↑ | 56↑ | $311K↑ |
| 13420 | $649K↑ | 29↑ | 6↓ | 6↑ | 89↑ | $532K↑ |
| 13440 | $242K↓ | 104↑ | 42↑ | 48↑ | 43↓ | $212K↑ |
| 13492 | $262K↓ | 27↑ | 8↑ | 12↑ | 47↑ | $267K↑ |
| 13501 | $240K↑ | 61↑ | 22↑ | 18↓ | 55↓ | $211K↑ |
| 13502 | $237K↑ | 42↓ | 14↓ | 24↓ | 59↑ | $210K↑ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.