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Utica, NY Rent Affordability Calculator

The median rent in the Utica, NY area is $925 a month including utilities, which takes 16% of the median household income ($69,779). Paying it on 30% of income needs about $37,000 a year.

On $70,000 a year, 30% of income is $1,750 a month for rent. A $930 rent takes 15.9% of gross income; many landlords want income of 40 times the rent, $37,200.

Rent you can afford
$1,750 a month
That rent takes
15.9% of income
Income a landlord may ask for (40× rent)
$37,200

Rent you can afford in Utica, NY by income (30% rule)

IncomeAffordable rentAgainst the median rent
$40,000$1,0008.1%
$60,000$1,50062.2%
$80,000$2,000116.2%
$100,000$2,500170.3%
$150,000$3,750305.4%

How this calculator works

Median gross rent and median household income for the Utica-Rome, NY metropolitan area, from the Census Bureau's American Community Survey 2020–2024 5-year estimates. Affordable rent is 30% of gross monthly income.

What it assumes

  • Medians across all rentals, of every size and age; new listings usually ask more.

Questions people ask

What is the average rent in Utica, NY?

The median gross rent is $925 a month, including utilities (Census American Community Survey 2020–2024 5-year estimates).

What salary do I need to live in Utica, NY?

To rent at the median on 30% of income, about $37,000 a year; many landlords ask for 40 times the rent, $37,000.

Is rent affordable in Utica, NY?

The median rent takes 16% of the median household income there, within the 30% guideline.

How does the cost of living in Utica, NY compare?

Overall prices are 7.3% below the US average, and housing 33.9% below (BEA, 2024).

Nearby and large metro areas

Related calculators

  • Rent Affordability CalculatorThe rent your income supports under the 30% guideline, what a given rent takes of your pay, and the income landlords often ask for, with median rents in large metro areas.
  • Utica, NY Cost of Living CalculatorPrices in the Utica, NY area are 7.3% below the US average, and housing 33.9% below (BEA, 2024). Compare a salary here with anywhere else.
  • Rent vs Buy CalculatorWhether buying or renting leaves you better off after the years you plan to stay, counting mortgage interest, tax, upkeep, selling costs and what a renter earns investing the down payment.

Sources

Updated by the RateHerald team. The maths is tested against worked examples; report a problem.