CitytisticsShortlist

Cost of living, pay and housing

38.34° N · 85.66° W · GEOID 1878110

Utica

Clark County, Indiana · part of the Louisville/Jefferson County, KY metro

Limited data population under 5,000

IndianaUtica, INUticaUtica

The short answer

Utica is home to 1,028 people. Median household income is $84,886 a year and median rent is $1,375 a month, 19.4% of income (a ratio of two medians, not any one household's burden). Rent pressure is lighter than in most places. The median home is valued at $241,300, about 2.8x annual median household income.

Median gross rent
$1,375
1% above the median place
Median household income
$84,886
6% above the median place
Median home value
$241,300
24% below the median place
Unemployment
4.0%
18% below the median place

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

What stands out about Utica

  • The population has grown 47.8% since 2020, faster than in 98% of the 1,634 places under 10,000 people we track. It is the 3rd-highest of 124 Indiana places.
  • Household income has grown 10.7% a year across the last five survey releases, faster than in 93% of places its size.
  • Half the homes were built after 2002, newer housing than in 92% of places its size.
  • Owning with a mortgage costs only about $171 a month more than the median rent, a smaller gap than in 86% of places its size.
01

Moving to Utica

Clark County gains about 7.2 residents per 1,000 a year to moves between counties.

Moved in6,950
Moved out6,204
Net+746

Where people come from and where they go, top counties

Floyd County, IN1,6921,745−53
Jefferson County, KY1,7311,063+668
Scott County, IN245304−59
Harrison County, IN265253+12

Within Indiana, other states or abroad

Arrivals
Leavers
Within IndianaOther states

Income per tax return

Arrivals$55K
Leavers$54K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of Clark County; flows under 20 returns are not published.

Who moves here
5.3% of residents arrived from another county in the past year, 3.3% from another state. County figure.
Who arrives and who leaves
Households moving into Clark County report $55,300 a year in income on average; those leaving, $54,300.
Income you would need
$55,000 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $1,375 a month; owners with a mortgage pay $1,546 a month including taxes and insurance, on a median home of $241,300.
Getting to work
23 minutes each way on average; 12.8% work from home.
If it is close but not quite
Holt, MI matches it on character. Compare the two
Income of households moving out8
$54,279
23% below the median place
Income of households moving in8
$55,332
22% below the median place
Net movers per 1,000 people8
7.2
above the median place (median -0.6)
All 5 moving measures
MeasureUticaAmong 6,645 placesVs median
Moved here in the past year1County figure5.3%7% below
Moved from another state1County figure3.3%65% above
Net movers per 1,000 people8County figure7.2above (median -0.6)
Income of households moving in8County figure$55,33222% below
Income of households moving out8County figure$54,27923% below
02

What it costs to live here

Median year built is 2002, 1% above the median place.

Utica19.4%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$55,000
a year, at the 30% line
Rent to income
19.4%
5% below the median place
Home price to income
2.8x
25% below the median place

Could you afford it?

The median rent would take
19%
comfortably under the 30% line
Left after rent, in US prices
$71,300
a year
Vs the typical household here
Same
as the median household

Uses the median rent in Utica, $1,375 a month, and local prices for everything else (96.0 against a US average of 100). It runs in your browser and stores nothing.

Moving from somewhere else? Work out the salary you would need in Utica.

Sponsored · exampleMoving to Utica? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Median year built1
2002
1% above the median place
Property tax paid (median)1
$1,481
55% below the median place
Property tax rate1
0.6%
33% below the median place
All 16 cost and housing measures
MeasureUticaAmong 6,645 placesVs median
Median gross rent1$1,3751% above
Rent to income119.4%5% below
Property tax rate10.6%33% below
Home price to income12.8x25% below
Prices vs US average2Metro figure93.18% below
Fair market rent, 2 bedrooms3County figure$1,27621% below
HUD area median income4County figure$99,0008% below
Property tax paid (median)1$1,48155% below
Median home value1$241,30024% below
Home prices, 1-year change5County figure1.5%52% below
Home prices, 5-year change5County figure46.8%9% below
Homeownership181.3%22% above
Renters paying 30%+1County figure45.4%10% below
Owner costs with a mortgage1$1,54617% below
Vacant homes1County figure6.9%2% below
Median year built120021% above
03

Work and pay

Commutes by transit is 0.0%, below the median place (median 0.8%).

Commutes by transit1
0.0%
below the median place (median 0.8%)
Mean commute1
23 min
8% below the median place
Income per person1
$43,909
10% above the median place

More on work and pay, against the typical place

Poverty rate9.4% −12%
Median household income$84,886 +6%
Works from home12.8% +3%
All 10 work and pay measures
MeasureUticaAmong 6,645 placesVs median
Median household income1$84,8866% above
Income per person1$43,90910% above
Unemployment1County figure4.0%18% below
Average annual pay6County figure$56,01415% below
Pay growth, 1 year6County figure-1.0%below (median 3.7%)
Jobs6County figure59,95260% below
Poverty rate19.4%12% below
Mean commute123 min8% below
Works from home112.8%3% above
Commutes by transit10.0%below (median 0.8%)
04

Who lives here

Population change since 2020 is 47.8%, above the median place (median 1.1%).

Population change since 20207
47.8%
above the median place (median 1.1%)
Bachelor's or higher1
39.1%
22% above the median place
High school or higher1
93.2%
1% above the median place

More about who lives here, against the typical place

Household size2.6 +2%
Median age39.5 +1%
Homes with broadband92.8% +0%
All 9 people measures
MeasureUticaAmong 6,645 placesVs median
Population11,0286646th largest
Population change since 2020747.8%above (median 1.1%)
Median age139.51% above
Bachelor's or higher139.1%22% above
High school or higher193.2%1% above
Household size12.62% above
Born abroad1County figure4.2%53% below
No health insurance1County figure6.7%5% above
Homes with broadband192.8%0% above
05

Life in Utica

3 sites are on the National Register of Historic Places.

  • Howes', Mitchell P., Lime Kiln and Quarry listed 2013
  • Starkweather's, Samuel, Lime Kiln and Quarry listed 2013
  • Tyler, Moses H., Company Lime Kiln and Quarry No. 1 listed 2013

Out the door, against the typical place

Parks per 10k residents58.4 5.7×
Playgrounds per 10k0.0 −100%
Grocery stores per 10k0.0 −100%
Restaurants, cafes and bars per 10k9.7 −13%
Libraries per 10k0.0 −100%
Named paths and bike trails3 km +35%
Bus and rail stops per sq mi0.0 −100%

Mapped by volunteers in OpenStreetMap inside the city limits (Census boundaries), so coverage is fuller in some places than others. Map data © OpenStreetMap contributors, ODbL.

Businesses per 10,000 residents (county figures)

Restaurants and bars18.1 −13%
Shops33.5 +11%
Arts, recreation and fitness2.7 −34%
Doctors' offices and clinics18.0 −11%
Child care centers1.8 −22%

Counts businesses with paid staff, so small owner-run shops are not included.

Arts, recreation and fitness per 10k9
2.7
34% below the median place
Child care centers per 10k9
1.8
22% below the median place
Public school students12
23,737
385% above the median place
All 16 schools and local life measures
MeasureUticaAmong 6,645 placesVs median
Public schools12County figure31244% above
Public school students12County figure23,737385% above
Students per teacher12County figure18.017% above
Restaurants and bars per 10k9County figure18.113% below
Shops per 10k9County figure33.511% above
Arts, recreation and fitness per 10k9County figure2.734% below
Doctors' offices and clinics per 10k9County figure18.011% below
Child care centers per 10k9County figure1.822% below
Parks per 10k1058.4above (median 10.2)
Playgrounds per 10k100.0below (median 9.4)
Grocery stores per 10k100.0below (median 2.1)
Restaurants, cafes and bars per 10k109.713% below
Libraries per 10k100.0below (median 0.9)
Named paths and bike trails102.735% above
Transit stops per sq mi100.0below (median 0.2)
National Register listings11377% below
06

Safety, weather and risk

Wildfire risk is 20.7, 66% below the median place.

No crime figure yet. Either the city police department did not report to the FBI for the latest year, or our monthly fetch has not reached Utica. Larger places are fetched first.

Wildfire risk14
20.7
66% below the median place
Hurricane risk14
14.6
79% below the median place
Heat wave risk14
59.5
34% below the median place
All 11 weather and risk measures
MeasureUticaAmong 6,645 placesVs median
July average high13County figure87°F0% above
January average low13County figure24°F6% below
Average temperature13County figure56°F1% above
Annual precipitation13County figure49.6 in13% above
Natural hazard risk14County figure81.412% below
Hurricane risk14County figure14.679% below
Tornado risk14County figure95.217% above
Wildfire risk14County figure20.766% below
Heat wave risk14County figure59.534% below
Median air quality index15County figure467% above
Good air days15County figure58.1%15% below
08

Utica in 2030: where the trends point

If recent trends hold, the median rent will take about 20% of the median income in 2030, about the same as 19% now.

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$1,375/mo (2024)$1,800/mo$1,480 to $2,190/mo+4.6%
Median household income$84,886 (2024)$110,000$93,000 to $130,000+4.4%
Median home value$241,300 (2024)$361,000$262,000 to $498,000+7.0%
Population1,298 (2025)1,6101,550 to 1,680+4.4%

The median home would be worth 3.3 years of the median income in 2030, against 2.8 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like Utica

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
Holt, MI$1,317$86,472Compare
Jeffersontown, KY$1,320$81,506Compare
Alabaster, AL$1,372$91,357Compare
Martinez, GA$1,284$81,602Compare
Martinez, GAAlabaster, ALJeffersontown, KYHolt, MIUtica, INUticaHoltJeffersontownAlabasterMartinezUticaHoltJeffersontownAlabasterMartinez

Common questions

Is Utica a good place to live?

It depends on what you need, so here is what the numbers say. The population has grown 47.8% since 2020, faster than in 98% of the 1,634 places under 10,000 people we track. It is the 3rd-highest of 124 Indiana places. Household income has grown 10.7% a year across the last five survey releases, faster than in 93% of places its size. On cost, space and class size it scores 83 out of 100 for families. See how it ranks with your own weights.

Is Utica expensive to live in?

The median rent takes 19.4% of the median household income, against 20.4% in the typical place we track. Housing is a lighter load here than usual. The median home is valued at $241,300.

What salary do you need to live in Utica?

To rent the median home without spending more than 30% of income on rent, a household needs about $55,000 a year. Work it out from your current city.

What places are similar to Utica?

On income, rent, home value, education and age, the closest matches are Holt, MI, Jeffersontown, KY, Alabaster, AL and Martinez, GA.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Regional Price Parities · US Bureau of Economic Analysis · Latest release, retrieved 2026-11-14
  3. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  4. Income Limits · US Department of Housing and Urban Development · Fiscal year 2026
  5. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  6. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  7. Population Estimates · US Census Bureau · Vintage 2025
  8. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  9. County Business Patterns · US Census Bureau · 2023 data
  10. OpenStreetMap · © OpenStreetMap contributors, available under the Open Database License (ODbL) · Map data as of 2026-11
  11. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  12. Common Core of Data · National Center for Education Statistics · 2024 release
  13. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  14. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  15. Air Quality System, annual AQI by county · US Environmental Protection Agency · 2025 dataAirData download files

Derived by Citytistics from the tables above: rent to income (B25064, B19013); property tax rate (B25103, B25077); home price to income (B25077, B19013).

What stands out compares Utica with places of a similar size, using only figures measured for Utica itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/utica-indiana

Citytistics. “Utica, Indiana.” Data as of 2026-11-14. https://www.citytistics.com/city/utica-indiana/

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.