Market Overview
Home Prices in Utica, MS
The median home value in Utica, MS is $125,513 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.2% compared to a year ago and down 0.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Utica are priced69% below average. Utica is part of the Jackson, MS metro area.
Over the past five years, Utica home values have fallen by approximately11.6%, reflecting softening conditions in this market.
Price History
Utica Home Price Trend
2020
$119,683
$120K
—
2021
$141,979
$142K
+18.6%
2022
$151,516
$152K
+6.7%
2023
$137,353
$137K
-9.3%
2024
$127,706
$128K
-7.0%
2025
$127,047
$127K
-0.5%
2026
$125,513
$126K
-1.2%
City Comparison
Utica vs. National Median
🏠 Utica
$125,513
National Median
$410,000
At $125,513, homes in Utica cost 69% below the national median of $410,000. This makes Utica a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Utica?
20% Down Payment
$25,103
on $125,513
Monthly P&I
$655/mo
30-yr @ 6.8%
Total Monthly Est.
~$832/mo
incl. taxes & insurance
Income Needed
$33,280
gross annual (30% rule)
10% Down Option
$12,551
+ PMI applies
Loan Amount (20% dn)
$100,410
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 Utica, MS?
The median home value in Utica is $125,513 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.2% year-over-year.
How much have home prices changed in Utica?
Over the past year, home values in Utica have decreased by 1.2%. Over five years, prices have fallen approximately 11.6%.
How much do I need to earn to buy a home in Utica?
To comfortably afford the median home price of $125,513 with a 20% down payment ($25,103) at today's rates (6.8%), you'd need a gross annual income of approximately $33,280. This assumes keeping total housing costs at or below 30% of gross income.
How does Utica compare to the national average home price?
The national median home value is approximately $410,000. At $125,513, homes in Utica are 69% below the national average.
What metro area is Utica part of?
Utica is part of the Jackson, MS metropolitan area. Home prices and market conditions can vary across the broader metro region.