Residential comparison · 13 facts
Schenectady, NY vs Utica, NY
Compare the housing, tax, cost, income, safety, school, and climate facts that are available for both places. The table shows the numbers without declaring one city universally better.
A household earning $85,000 in Schenectady needs about $80,500 in Utica to keep the same lifestyle.
Coming from Utica, $85,000 of lifestyle costs about $89,500 in Schenectady.
A few differences
- Schenectady is higher on median household income ($58,399 vs $52,484).
- Utica is lower on cost of living index (88 vs 92).
- Utica is lower on 2-bedroom rent ($976/mo vs $1,154/mo).
Schenectady vs Utica · facet by facet
| Facet | Schenectady, NY | Utica, NY |
|---|---|---|
| Median home price | $168,800 | $151,300 |
| 2-bedroom rent | $1,154/mo | $976/mo |
| Property tax rate | 1.6% | 1.6% |
| State & local income tax | 4.07% | 4.07% |
| Sales tax | 8.5% | 8.5% |
| Cost of living index | 92 | 88 |
| Groceries index | 108 | 108 |
| Utilities | $190/mo | $190/mo |
| Median household income | $58,399 | $52,484 |
| Unemployment rate | 4.3% | 4.3% |
| Crime index | 40/100 | 40/100 |
| School rating | 6.5/10 | 6.5/10 |
| Sunny days / year | 180 days | 180 days |
Data: Census ACS 2024 · BLS · Tax Foundation 2024 brackets · HUD/Zillow · NOAA 1991–2020 · FEMA NRI · Values are shown as reported; no universal winner is implied.
Full profiles: Schenectady, NY · Utica, NY
Questions & answers
- Is Schenectady cheaper than Utica?
- Utica has the lower day-to-day cost index (88 vs 92 against a national 100). The other differences are shown facet by facet in the table.
- What household income in Utica equals $85,000 in Schenectady?
- A household earning $85,000 in Schenectady needs about $80,500 in Utica to keep the same lifestyle; coming the other way, $85,000 of Utica lifestyle costs about $89,500 in Schenectady.