Market Overview
Home Prices in Utica, PA
The median home value in Utica, PA is $173,653 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 6.2% 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 Utica are priced58% below average. Utica is part of the Oil City, PA metro area.
Over the past five years, Utica home values have risen by approximately22.2%, reflecting strong long-term appreciation in this market.
Price History
Utica Home Price Trend
2020
$116,007
$116K
—
2021
$142,065
$142K
+22.5%
2022
$164,749
$165K
+16.0%
2023
$157,721
$158K
-4.3%
2024
$158,321
$158K
+0.4%
2025
$163,491
$163K
+3.3%
2026
$173,653
$174K
+6.2%
City Comparison
Utica vs. National Median
🏠 Utica
$173,653
National Median
$410,000
At $173,653, homes in Utica cost 58% 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
$34,731
on $173,653
Monthly P&I
$906/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,151/mo
incl. taxes & insurance
Income Needed
$46,040
gross annual (30% rule)
10% Down Option
$17,365
+ PMI applies
Loan Amount (20% dn)
$138,922
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, PA?
The median home value in Utica is $173,653 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 6.2% year-over-year.
How much have home prices changed in Utica?
Over the past year, home values in Utica have increased by 6.2%. Over five years, prices have risen approximately 22.2%.
How much do I need to earn to buy a home in Utica?
To comfortably afford the median home price of $173,653 with a 20% down payment ($34,731) at today's rates (6.8%), you'd need a gross annual income of approximately $46,040. 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 $173,653, homes in Utica are 58% below the national average.
What metro area is Utica part of?
Utica is part of the Oil City, PA metropolitan area. Home prices and market conditions can vary across the broader metro region.