Compare Current Utica, New York Mortgage Rates

Compare Utica, NY mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Utica.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Utica. Plus, shopping lenders is free and there is no obligation.

Utica, NY Mortgage Rates as of November 30, 2022
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Data provided by Icanbuy. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.


Compare Today's Utica, NY Mortgage Rates

November 30, 2022

Current mortgage rates in Utica, NY are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)

Mortgage Program
Utica, NY Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Utica, New York?

Below we provide helpful information on the real estate market, home prices and housing affordability in Utica. Understand how much you need to earn to afford a home in Utica, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Utica fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Utica is right for you.

The median home value for Utica, NY (Oneida County) is $172,951

Based on current mortgage rates and a 10% down payment, you need to make $28,337 per year to buy the median priced home in Utica

With this income, you could qualify for a $155,656 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Utica is $656

The median household income for Utica, NY (Oneida County) is $62,032

Based on this income, you can afford a home valued at approximately $378,601

The home price you can afford to buy based on household income in Utica is 219% of the median home value which means housing prices are affordable. Utica (Oneida County) ranks 29 out of 62 counties in New York and 1,355 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Utica, NY is affordable


Loan Limits for Utica, New York

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Utica (Oneida County) below.

Conforming loan limits for Utica, NY

1 unit: $647,200
2 units: $828,700
3 units: $1,001,650
4 units: $1,244,850

FHA loan limits for Utica, NY

1 unit: $420,680
2 units: $538,650
3 units: $651,050
4 units: $809,150

VA loan limits for Utica, NY

1 unit: $647,200

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