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Utica city, NY

ZIP 13502 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 13502

Median Home Value
$149,600
Median Rent
$808
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$961/mo PITI).

16%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 13502 in Utica city, NY, a household would need roughly $41,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $961. That sits below the local median household income ($59,530), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
60.2%-8% vs US avg
x
Vacancy Rate
10.7%+4% vs US avg
x
Broadband Access
86.9%-0% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
7.8%-39% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
24.7%-50% vs US avg
x
Mortgage-Free
46.3%+21% vs US avg
x
$149,600
Home Value
$808
Rent
1953
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached55.2%
  • 1-unit attached3.5%
  • 2-9 units27.3%
  • 10+ units10.3%
  • Mobile home & other3.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$149,600
Median rent$808
Owner-occupied60.2%
Vacant10.7%
Price-to-income2.5x
Est. income to buy$41,000