The story of this market
The typical home in ZIP 13501 sells for about $222,500, or $163 per square foot.
Prices are up +12.7% from a year ago, so sellers still have some momentum. Homes take about 42 days to sell. HUD's fair market rent for a two-bedroom is $877 a month.
ZIP 13501 — Utica
The Utica housing market is showing signs of strength with double-digit year-over-year price growth and a competitive pace of sales. While inventory remains tight, the market is benefiting from steady demand and relative affordability compared to broader state trends. Buyers are active, though the high tax environment remains a primary consideration for long-term ownership.
This ZIP is well-suited for budget-conscious buyers, investors seeking rental yield, and those who prefer an urban lifestyle with proximity to local employment hubs. It is less ideal for those seeking large suburban lots or top-tier school districts.
Median prices moved up 12.7% year over year.
Homes spend a median of 42 days on market with 4.2 months of supply — a fast-moving market.
11% of listings have cut prices · homes sell at 97.8% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 7.6% · poverty 27.0% — a mixed stability profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 8.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.9%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net outflow — more people moved out than in
ZCTA 13501, Oneida County NY
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in Utica are generally higher than the national average, with property crime being the most frequently reported issue. The city experiences regional challenges typical of older industrial centers in Upstate New York.
Schools serving the 13501 area are part of the Utica City School District, which faces challenges typical of urban districts including resource allocation and student performance variability.
The area is subject to standard New York climate risks, including heavy winter snowfall and potential localized flooding near the Mohawk River. Insurance premiums are generally stable but reflect regional weather-related risk factors.
Economic momentum is driven by healthcare, education, and government sectors, with ongoing efforts to revitalize the downtown core. Infrastructure projects focus on maintaining aging urban systems and improving connectivity within the Mohawk Valley.
Property taxes in Utica are levied by the city, county, and school district, with rates among the highest in the state due to the reliance on property tax to fund municipal services. Exemptions are available for seniors and veterans, but the overall burden remains a significant factor for homeowners.
Residents primarily rely on personal vehicles for commuting, with easy access to the New York State Thruway (I-90) and NY-8. Public transit is available via local bus services, though coverage is most robust within the city center.
The area features several local parks and proximity to the Adirondack foothills for outdoor activities. Shopping and dining are concentrated in the downtown district and nearby commercial corridors.
The rental market is characterized by high demand and low vacancy rates, driven by a large student population and limited new housing supply. Rents have seen steady upward pressure over the past year.
The economy is anchored by the healthcare sector (MVHS), higher education (Utica University), and government services. The region is transitioning toward a more diversified base including technology and manufacturing.
Utica serves as a regional transit hub with Amtrak service and access to major highway corridors. Local infrastructure is focused on urban renewal and improving pedestrian accessibility.
Development is focused on infill projects and the adaptive reuse of historic industrial properties within the city limits.
The Oneida County assessment office manages property valuations, with assessments typically updated periodically to reflect market changes.
Parcels are subject to city, county, and Utica City School District taxes, with additional special district levies for water and sewer services.
Property insurance costs are influenced by regional weather patterns, including heavy winter snow loads and flood risks in low-lying areas near the Mohawk River.
Data retrieved from data.census.gov ZCTA 13501 profile.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- The Family Fun Factory4.53.8 mi
- Billy Beez Sangertown Square4.44.9 mi
- Cayo Industrial Horror Realm4.414.2 mi
- Fun Nation Action Park4.84.8 mi
- Turning Stone Resort Casino4.319 mi
- NBT Bank Arena at the Utica Memorial Auditorium4.61.8 mi
- The Stanley Theatre4.71.5 mi
- Chesterfield's Tavolo4.41.9 mi
- Utica-Rome Speedway4.615 mi
- Herkimer Diamond Mines4.512.6 mi
- Utica Zoo4.41.3 mi
- Marquee Cinema - New Hartford, NY4.24.9 mi
- The Stanley Theatre4.71.5 mi
- 1888 Biergarten & Tavern4.62 mi
- Munson4.71.6 mi
- Oneida Community Mansion House4.619.5 mi
- Utica Children's Museum4.11.8 mi
- Irish Cultural Center4.72 mi
- Sherrill Brook Park4.65.2 mi
- Wilderness Park4.76.8 mi
- Lock 20 State Canal Park4.55.6 mi
- Oriskany Battlefield State Historic Site4.710.1 mi
- Kirkland Town Park4.79.2 mi
- ILION: Village Of Ilion Marina4.410.5 mi
- Frankfort Marina4.58.1 mi
- Little Falls Marina - Rotary Park4.718.1 mi
- Twin Ponds Golf & Country Club4.43.7 mi
- Stonebridge Golf & Country Club4.43.6 mi
- Golf Club of Newport4.711.2 mi
- Pine Hills Golf Course4.65.1 mi
- The Bunker New Hartford4.64.9 mi
- Sangertown Square4.14.9 mi
- Kohl's4.25 mi
- North Star Orchards4.79.1 mi
- T.J. Maxx4.34.7 mi
- Boscov's4.45 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Large municipal park offering trails and recreational facilities.
Historic venue hosting concerts and performing arts.
Prominent art museum and cultural center.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.