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Utica city, MI

ZIP 48317 — 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 48317

Median Home Value
$248,700
Median Rent
$1,090
Affordability Snapshot
$68,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,598/mo PITI).

18%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

19.0 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 48317 in Utica city, MI, a household would need roughly $68,000 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 $1,598. That is roughly in line with the local median household income ($72,465). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
57.3%-12% vs US avg
x
Vacancy Rate
5.0%-52% vs US avg
x
Broadband Access
93.2%+7% vs US avg
x
4+ Bedrooms
1.4%-90% vs US avg
x
Built Pre-1939
3.1%-76% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
25.3%-49% vs US avg
x
Mortgage-Free
32.4%-15% vs US avg
x
$248,700
Home Value
$1,090
Rent
1977
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached53.5%
  • 1-unit attached10.3%
  • 2-9 units20.4%
  • 10+ units13.8%
  • Mobile home & other2.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$248,700
Median rent$1,090
Owner-occupied57.3%
Vacant5.0%
Price-to-income3.4x
Est. income to buy$68,000