Market Overview
Home Prices in North Utica, IL
The median home value in North Utica, IL is $211,969 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.6% compared to a year ago and up 3.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in North Utica are priced48% below average. North Utica is part of the Ottawa, IL metro area.
Over the past five years, North Utica home values have risen by approximately22.6%, reflecting strong long-term appreciation in this market.
Price History
North Utica Home Price Trend
City Comparison
North Utica vs. National Median
At $211,969, homes in North Utica cost 48% below the national median of $410,000. This makes North Utica a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in North Utica?
20% Down Payment
$42,394
on $211,969
Monthly P&I
$1,106/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,405/mo
incl. taxes & insurance
Income Needed
$56,200
gross annual (30% rule)
10% Down Option
$21,197
+ PMI applies
Loan Amount (20% dn)
$169,575
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in North Utica, IL?
The median home value in North Utica is $211,969 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.6% year-over-year.
How much have home prices changed in North Utica?
Over the past year, home values in North Utica have increased by 5.6%. Over five years, prices have risen approximately 22.6%.
How much do I need to earn to buy a home in North Utica?
To comfortably afford the median home price of $211,969 with a 20% down payment ($42,394) at today's rates (6.8%), you'd need a gross annual income of approximately $56,200. This assumes keeping total housing costs at or below 30% of gross income.
How does North Utica compare to the national average home price?
The national median home value is approximately $410,000. At $211,969, homes in North Utica are 48% below the national average.
What metro area is North Utica part of?
North Utica is part of the Ottawa, IL metropolitan area. Home prices and market conditions can vary across the broader metro region.