HomeNew YorkOneida CountyUtica city
Utica city, New York: commercial real estate data.
Utica city is a Census city of 64,217 people across 16.72 square miles of land, in Oneida County. Median household income is $52,484, 49.7 percent of occupied homes are owned, and the SBA record carries 52 7(a) approvals to borrowers here worth $13.5 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Utica
What Utica is
- Census place typecity
- Land area16.72 sq mi
- Water area0.26 sq mi
- Population per square mile of land3,840
- County holding the largest share of its areaOneida County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Utica
How many people live in Utica
- Population64,217
- Median age35.2
- Population under 1816,283
- Share under 1825.4 percent
- Population 65 and over9,756
- Share 65 and over15.2 percent
- Households25,606
- Family households14,231
- Share of households that are families55.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Utica
Income and work in Utica
- Median household income$52,484
- Per capita income$27,402
- Civilian labor force28,149
- Employed25,837
- Unemployed2,312 plus or minus 488
- Unemployment rate8.2 percent plus or minus 1.7
- Adults 25 and over40,860
- Adults 25 and over with a high school diploma or higher81.3 percent
- Adults 25 and over with a bachelor degree or higher22.4 percent
- Adults 25 and over with a graduate degree9.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Utica
Housing in Utica
- Housing units28,364
- Occupied units25,606
- Vacant units2,758
- Vacancy rate9.7 percent
- Owner occupied12,734
- Renter occupied12,872
- Ownership rate49.7 percent
- Median owner-occupied home value$151,300
- Median gross rent, monthly$951
- Annual rent as a share of median income21.7 percent
- Single family units12,875
- Share single family45.4 percent
- Units in buildings of two or more15,379
- Share in buildings of two or more54.2 percent
- Mobile homes110 plus or minus 106
- Median year structure built1940
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Utica
How Utica gets to work
- Workers 16 and over who commute23,155
- Commuting under 15 minutes11,089
- Share commuting under 15 minutes47.9 percent
- Commuting 30 minutes or more4,862
- Share commuting 30 minutes or more21.0 percent
- Drove alone67.7 percent
- Carpooled13.7 percent
- Public transport3.4 percent plus or minus 1.0
- Walked5.1 percent plus or minus 1.1
- Worked from home7.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Utica
SBA loans in Utica (7(a))
- Approvals52
- Gross approval$13,490,300
- Average approval$259,429
- Median approval$60,000
- Ninetieth percentile approval$552,300
- Largest approval$2,873,000
- Jobs supported371
- Jobs per approval7.1
- Loans with a final outcome9
- Paid in full7
- Charged off2
- Median term120 months
- Share on real estate terms of 20 years or more7.7 percent
- Share to franchises0.0 percent
- Distinct lenders14
- Distinct industries by NAICS29
A charge-off rate is not published here. only 9 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Utica
SBA loans in Utica (504)
- Approvals10
- Gross approval$4,083,000
- Average approval$408,300
- Median approval$473,000
- Largest approval$853,000
- Jobs supported210
- Loans with a final outcome2
- Charged off0
- Median term240 months
- Distinct CDCs3
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Utica
Flood risk in Utica
- Listed NFIP communities1
- Of those, participating1
- NFIP community number360558
- Currently effective map date09/27/13
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Oneida County, not Utica
Oneida County context, not Utica figures
These are Oneida County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Utica measurements.
- Establishments in Oneida County4,713
- Employment at those establishments, Oneida County85,570
- Covered employment, Oneida County102,542
- Average annual pay, Oneida County$61,102
- Average weekly wage, Oneida County$1,175
- Housing units permitted, Oneida County221
- Of those, single family, Oneida County125
- County product, 2024, Oneida County$14,679,920,000
- County product change over the prior year, Oneida County5.0 percent
- Average income of an arriving household, Oneida County$52,417
Every figure in this section is published for Oneida County as a whole and is not a measurement of Utica. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Utica questions, answered from the record.
How many people live in Utica, New York?
64,217, in 25,606 households. Utica city covers 16.72 square miles of land, which is 3,840 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Utica in?
Oneida County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Utica?
$52,484. The median owner-occupied home is valued at $151,300. Median gross rent is $951 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Utica businesses?
52 7(a) approvals totalling $13.5 m, across 14 lenders, median approval $60,000, plus 10 504 approvals worth $4.1 m. These count approvals to borrowers whose address is in Utica, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Utica borrowers get paid back?
No rate is published for Utica. only 9 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Utica in the National Flood Insurance Program?
Yes. Utica appears in the FEMA Community Status Book as community 360558, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Utica figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Oneida County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Utica.
Is zoning published for Utica?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.