Housing in Utica

A typical Utica home is worth roughly $243,000

Typical home value

$243K

IL $298K

Estimate

2-bedroom rent

$1,350

a month, utilities in · HUD

Median tax bill

$5,072

IL $5,298

What kind of housing town is Utica?

Read from the numbers below. The page puts what stands out first.

Your money goes further18% below the Illinois typical home.A town of owners91% of households own their home.

★ What stands out · Affordability

A typical home costs 2.1 years of income

Less than across Illinois (3.6 years). Try your own numbers below.

You could afford about

$377,000

Typical Utica home $243K

That covers a typical Utica home, with $135K to spare.

The typical home, each month

$1,690

Loan $1,200Tax $420Insurance $70

A two-bedroom rents for about $1,350 a month here, $340 less than owning.

Where your budget reaches nearby

Waltham$264K LaSalle$123K Ottawa$140K LaSalle$143K

An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Utica’s typical property tax (2.09% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.

The homes

91% of Utica households own their home

Half of Utica’s homes were built before 1988.

Owners and renters

Own 91%Rent 9%

Illinois: 67% own.

1988

typical home built · IL 1971

$5,072

median property tax bill · IL $5,298

2.09%

of a home’s value, a year in tax · IL 2.01%

of homes are seasonal or vacation homes

U.S. Census Bureau, American Community Survey 2020-2024.

Renting

A two-bedroom rents for about $1,350

Renters already here pay a median of $971, so moving in tends to cost more than staying put.

Fair Market Rent a month, utilities included

Studio$960

1 bedroom$1,030

2 bedrooms$1,350

3 bedrooms$1,800

4 bedrooms$2,120

of households rent · IL 33%

renter households

32%

of renters spend 30%+ of income on rent · IL 48%

14%

of the median income, for a two-bedroom

$971

median rent paid today · Census

U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (La Salle County, IL): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.

Next door

Utica vs. its neighbors

Utica is the 2nd priciest of 5 neighboring towns. Tap one to see its housing page.

Waltham$264K Utica$243K LaSalle$143K Ottawa$140K LaSalle$123K

Compare more

Town	Typical value	1-yr change	2-bed rent	New homes 2025	Median income
Utica	$243K*	—	$1,350	—	$113,060
Deer Park	—	+14.1%†	$1,010	—	$91,429
Waltham	$264K*	—	$1,360	—	$82,321
LaSalle	$123K*	+13.3%†	$1,070	—	$61,240
Ottawa	$140K*	+7.8%†	$1,130	—	$70,008
LaSalle	$143K	+6%	$1,170	7	$57,732

Typical value: Zillow Home Value Index; * Census median home value where Zillow has none. † FHFA price index change where Zillow has none. Rent: HUD Fair Market Rent. New homes: Census building permits.

On the market in Utica

Listed in the past 60 days. Each opens on the listing site.

1104 N 29th RdZillow · Sep 14 ↗2643 N IL Route 178 Unit 267Realtor.com · Sep 11 ↗200 E Grove StZillow · Sep 9 ↗800 Burgess DrZillow · Sep 7 ↗3233 E 7th RdZillow · Aug 28 ↗2643 N State Route 178 #233Zillow · Aug 22 ↗

Neighbors talk housing

What Utica buyers, sellers and renters are saying.

Town Square →

Weigh in

Is Utica still affordable for young families?

Your answer becomes a post in Town Square.

Start the conversation

Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. Listings link to their publishers. The calculator is an estimate, not a loan offer.