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Utica, KY—42376

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$238,000
5.1% YoY Growth
Household Income
$78,400
25.9% YoY Growth
Days on Market
69
17.0% Shorter YoY
Home Price Forecast
1.7%
Median Rent
$1,800
15.1% YoY Growth
1-Bed Rent
N/A
N/A
2-Bed Rent
N/A
N/A
3-Bed Rent
$1,800
15.1% YoY Growth
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Utica, KY

As of Dec '25, the median home price in Utica, KY is $238,000, with a year-over-year change of 5.1%. This indicates that home prices in Utica, KY are increasing. According to Zillow, the 1-year price projection is 1.7%, suggesting an increase housing market in the next year.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$238,0005.1%
Single Family $238,0004.8%
Condos N/AN/A

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed
  • Affordability
  • Rentals and Section 8
    • N/A
    N/A
    2 Bed
    		$154,0004.8%
    3 Bed
    		$251,0004.6%
    4 Bed
    		$359,0005.6%
    5 Bed N/AN/A
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    % of Housing Stock

    1 Bedroom
    5.3%
    2 Bedrooms
    19.9%
    3 Bedrooms
    54.9%
    4 Bedrooms
    17.2%
    5+ Bedrooms
    2.8%

    Rental Trends — Utica, KY

    As of July '25, Rentcast reports the average rent in Utica, KY is $1,800, with a year-over-year rent change of -15.1%. Per bedroom, the median rent as of July '25 in Utica, KY is 3-bedrooms: $1,800. The most common rental property sizes in Utica, KY are 2-bedroom and 3-bedroom, accounting for 50.4% and 25.9% of the rental stock.

    TypeMedian RentAverage Rent
    Average Rent$1,800$1,800
    Studio Rent N/AN/A
    1 Bed Rent N/AN/A
    2 Bed Rent N/AN/A
    3 Bed Rent $1,800$1,800
    4 Bed Rent N/AN/A
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    % of Rental Stock

    1 Bedroom
    16.1%
    2 Bedrooms
    50.4%
    3 Bedrooms
    25.9%
    4 Bedrooms
    7.7%

    Property Listings — Utica, KY

    As of Dec '25, Realtor.com reports that the median days on market for a home in Utica, KY is 45. This is a decrease of -15.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 19.0%, representing a small inventory and little supply pressure on home prices.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$258,000-1.0%
    Listing Count
    		21-17.0%
    Listings as % of Homes1.1%-17.0%
    Days on Market
    		69-17.0%
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    Demographics — Utica, KY

    As of the latest ACS Survey released in 2023, Utica, KY has a population of 6,800, which has increased by 13.4% over the past 5 years. Utica, KY is a popular place for families, as children make up 26.6% of the population. The area has a poorly educated workforce, with 20.1% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.3% reporting working from home.

    MetricLatest CensusYoY % Change
    Population
    		6,80013.4%
    % Under 18
    		26.6%-3.6%
    % Seniors
    		17.1%40.2%
    % WFH
    		6.3%110.0%
    % w/ College Degree
    		20.1%3.6%
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    As of the latest ACS Survey released in 2023, Utica, KY is a predominantly white area, with 94.7% of the population identifying as white. The white population has shrunk by 0.6% in the last 5 years. The second most common race or ethnicity in Utica, KY is hispanic, making up 2.4% of the population. Foreign-born residents account for 1.0% of the population in Utica, KY, and this percentage has increased by 150.0% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.

    Race and Ethnicity

    MetricLatest Census5-Year % Change
    % White
    		94.7%-0.6%
    % Black
    		0.8%14.3%
    % Hispanic
    		2.4%41.2%
    % Asian
    		0.3%∞%
    % Foreign Born
    		1.0%150.0%
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    Mortgage and Risk — Utica, KY

    According to HUD data as of 2023, there were 156 mortgage originations in Utica, KY, of which 67.0% of loans were conventional mortgages. The average loan-to-value was 64.0%, with 35.0% above 90% LTV (very high). This implies large mortgage risk in Utica, KY. Investor activity is low, as 1.0% of loans were by investors. 17.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

    Mortgages

    MetricZip Code Average
    Total Loan Originations
    		156
    % Conventional Loans
    		67.0%
    % Government Loans
    		33.0%
    % Investor Loans
    		1.0%
    % Second Loans
    		0.0%
    % Cash Out Refinance
    		17.0%
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    Rentals and Section 8 — Utica, KY

    Utica, KY lacks sufficient Section 8 program data for analysis.

    Section 8 Market Size

    Total Units under HUD
    		N/A
    Total Units Section 8
    		N/A
    % Rentals under Section 8
    		0.4%
    % Occupied Section 8
    		N/A

    Section 8 Opportunity

    Home SizeHUD PremiumMarket RentMax HUD Rent
    1 BedroomN/AN/A$840
    2 BedroomN/AN/A$1,100
    3 Bedroom-$360$1,800$1,440
    4 BedroomN/AN/A$1,480

    Affordability — Utica, KY

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio2.7
    Median Home Price$238,000
    Median Household Income$78,400

    Utica, KY — ZIP Code Boundary Map

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    Nearby ZIP Codes

    Livermore, KY

    42352

    Owensboro, KY

    42303

    Philpot, KY

    42366

    Island, KY

    42350

    Owensboro, KY

    42301

    Frequently Asked Questions