Cost of Living in Utica, NY
Overall index: 65 (100 = US national average). Data source: US Census ACS 2023 & BLS OEWS 2025, 2025.
Overall Cost of Living Index
Overall
65
↓ -35% vs US
Cost Breakdown by Category
Housing
38
↓ -62% vs US
$635 Median rent (1BR)
Transportation
107
↑ +7% vs US
$3.50 Gas price (gal)
Food
69
↓ -31% vs US
$283 Groceries / month
Utilities
69
↓ -31% vs US
$68 Utilities / month
Healthcare
69
↓ -31% vs US
$49 Doctor visit
| Category | Index | vs US avg | Sample cost |
|---|---|---|---|
| Housing | 38 | -62% | $635 |
| Transportation | 107 | +7% | $3.50 |
| Food | 69 | -31% | $283 |
| Utilities | 69 | -31% | $68 |
| Healthcare | 69 | -31% | $49 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in Utica?
A single adult living comfortably in Utica, NY needs approximately $22,750 / year after taxes.
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Frequently Asked Questions
What is the cost of living in Utica, NY?
The overall cost of living in Utica, NY is 35% lower than the US national average (index: 65 where 100 = national average).
How much is rent in Utica, NY?
Average rent for a 1-bedroom apartment in Utica, NY is about $635/month.
Is Utica, NY expensive to live in?
No, Utica, NY is affordable (below national average).
What salary do I need to live in Utica, NY?
A single adult needs roughly $22,750/year to cover basic living costs in Utica, NY.