Utica, OH—43080
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Utica, OH
As of Oct '25, the median home price in Utica, OH is $273,000, with a year-over-year change of 0.2%. This indicates that home prices in Utica, OH are flat. According to Zillow, the 1-year price projection is 2.0%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $273,000 | 0.2% |
| Single Family | $273,000 | 0.4% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $196,000 | 2.6% |
3 Bed | $287,000 | 0.7% |
4 Bed | $375,000 | 2.2% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Utica, OH
As of July '25, Rentcast reports the average rent in Utica, OH is $1,120, with a year-over-year rent change of 60.0%. Per bedroom, the median rent as of July '25 in Utica, OH is 1-bedrooms: $850, 3-bedrooms: $1,400. The most common rental property sizes in Utica, OH are 1-bedroom and 3-bedroom, accounting for 31.6% and 30.6% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $850 | $1,120 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $850 | $850 |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $1,400 | $1,400 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Utica, OH
As of Oct '25, Realtor.com reports that the median days on market for a home in Utica, OH is 54. This is a increase of 47.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $315,000 | -23.0% |
Listing Count | 15 | -20.0% |
| Listings as % of Homes | 0.2% | -20.0% |
Days on Market | 54 | 47.0% |
Demographics — Utica, OH
As of the latest ACS Survey released in 2023, Utica, OH has a population of 5,310, which has remained stable by 1.0% over the past 5 years. Utica, OH is a moderately popular place for families, as children make up 24.5% of the population. The area has a poorly educated workforce, with 15.6% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 5,310 | 1.0% |
% Under 18 | 24.5% | -8.2% |
% Seniors | 16.0% | -7.0% |
% WFH | 7.6% | 61.7% |
% w/ College Degree | 15.6% | 33.3% |
As of the latest ACS Survey released in 2023, Utica, OH is a predominantly white area, with 84.4% of the population identifying as white. The white population has shrunk by 12.9% in the last 5 years. The second most common race or ethnicity in Utica, OH is black, making up 8.0% of the population. Foreign-born residents account for 0.2% of the population in Utica, OH, and this percentage has decreased by 66.7% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 84.4% | -12.9% |
% Black | 8.0% | 700.0% |
% Hispanic | 0.2% | -71.4% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 0.2% | -66.7% |
Mortgage and Risk — Utica, OH
According to HUD data as of 2023, there were 245 mortgage originations in Utica, OH, of which 82.0% of loans were conventional mortgages. The average loan-to-value was 56.0%, with 23.0% above 90% LTV (very high). This implies large mortgage risk in Utica, OH. 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
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 245 |
% Conventional Loans | 82.0% |
% Government Loans | 18.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 17.0% |
Loan Activity
Rentals and Section 8 — Utica, OH
Utica, OH lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 47 |
Total Units Section 8 | 12 |
% Rentals under Section 8 | 1.9% |
% Occupied Section 8 | 85.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $190 | $850 | $1,040 |
| 2 Bedroom | N/A | N/A | $1,280 |
| 3 Bedroom | $170 | $1,400 | $1,570 |
| 4 Bedroom | N/A | N/A | $1,720 |
Affordability — Utica, OH
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.9 |
| Median Home Price | $273,000 |
| Median Household Income | $82,600 |