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Utica borough, PA

ZIP 16362 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 16362

Median Home Value
$161,300
Median Rent
$479
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,036/mo PITI).

9%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

28.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 16362 in Utica borough, PA, a household would need roughly $44,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,036. That sits below the local median household income ($63,750), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.9%+30% vs US avg
x
Vacancy Rate
21.3%+107% vs US avg
x
Broadband Access
77.2%-11% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
3.9%-70% vs US avg
x
Built Post-2014
0.4%-95% vs US avg
x
Rent Burden >30%
1.6%-97% vs US avg
x
Mortgage-Free
52.6%+38% vs US avg
x
$161,300
Home Value
$479
Rent
1980
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached83.1%
  • 1-unit attached0.2%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other16.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$161,300
Median rent$479
Owner-occupied84.9%
Vacant21.3%
Price-to-income2.5x
Est. income to buy$44,000